JOHN's complaint:
December 11, 2012

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

• PolicyHolder Service - Inadequate Service
• PolicyHolder Service - Inadequate Reimbursement

I had a scuba diving accident in August 2012. I was transported to Tallahasee from Panama city because our local hospital no longer has the funds for dive emergencies even though they have a Chamber. My complaint is that while I am incapacitated, I was ambulance transported to Tallahasee by a ambulance service that is out of network! The bill is over $2500.00. The fact that I had met my deductible and out of pocket expenses for the year, BCBS would only pay a small portion. The left over expense along with other procedures not covered, but medically nessesary is financially overwhelming. I pay $420.00 a month for individual health plan and I am a healthy person. I am to understand that BCBS of florida does not have ANY 911 services in network!! How can that be legal? Every claim I ever have with BCBS is problematic. I was twice denied for foot issues which they said was because of a rider on my policy. My rider is for my lower back, has nothing to do with Podiatry. These people are in the health field?? I would glady change companies but they are the one of few accepted in Florida. Having insurance is no piece of mind when you can be driven to bankruptsy because of regulations that do not protect the consumer.

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