Soraya's complaint:
December 10, 2012

Insurance Company: Blue Cross and Blue Shield Association
Coverage Type: Health Insurance

• Underwriting - Premium Too High
• Underwriting - Unfair Surcharge
• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Delays/No Response
• PolicyHolder Service - Unfair Negotiation

I applied for Health Insurance with Blue Cross Blue Shields and the premium that was given to me in my application was $549.50 per month. When I received the approval letter they had raised my premium to $670.00 per month because my husband is on Aciphex which is a medication for Acid Reflux.

My complain is not the pre-existing condition which is not deadly, but the fact that they took upon themself to cashed the $549.50 check without calling first to advised me on the higher premium and to see if I agreed to the $670.00 per month.

I called to complained and to cancel the policy and they said it will take two weeks for the check to be refunded. No one called me to go over the higher premium of $120.00 per month.

I have Humana One and they are great, they placed a two year pre-existing condition on the Aciphex, but my premium never went up. the reason why I was trying to go with Blue Cross Blue Shields was because the 100% coverage after the deductible, but now I have for $12.00 per month a critical illness insurance to cover my deductible and the maximun out of pocket with Humana is $7,500.00 per year.

I'm dissapointed at Blue Cross Blue shields for the lack of good customer Service. Now I'm $550.00 short on my account right for the Christmas Holiday. They should it have immediately reimborsed my money and not make me wait two weeks, which it will be three weeks by the time I get my money.

This is my personal opinion as it is not intended to harm in any way Blue Cross Blue Shields, but they should at least change the way that they conduct their business by advising the customer of the higher premium, just in case the customer cannot afford the new premium.

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