By the way of almost every single review BCBSTX does not care about people. Politicians don’t care about people, they care about profits. Self employed people have one option in this state and it’s not even close to even an actual option.
500.00 a month and 5000.00 deductible. Still they don’t pay saying “Bills submitted before I discharged from the hospital aren’t covered because they submitted two days before i paid my deductible in full.” …
Pretty Horrid to be honest. I went to their website to find a PCP and numbers are wrong doctors don’t work at the locations that are stated and choices are VERY limited. The website and care provider information is out of date and not kept …
One of the worst customer services and technology oriented companies. Website mostly not working, System Error, useless instructions, can’t pay bills on line, drops connections frequently, and doesn’t provide customer interaction on-line. …
worst nightmare if you try to call them ! just try to call them to ask a question !! my call literally was redirected to 10 people!! I have been on the phone from 9:30 to 11:30 to answer one damn general question !!! one of them hung up one me
Nice Customer services Rep- they knew there job very well and she was very punctual on the question i had for her and her responded was very professionalism with outstanding methodology.
My mom has being trying to get a Doctor who speak Spanish well their site of list of doctor is not updated all the doctor that state they speak Spanish they don’t and is so bad that they have on their list of providers a doctor who has passed away in 2015 when it’s already 2019 you have to be kidding me
This is probably the worst insurance company with worst customer service you can find. I would sincerely suggest any individual or company looking for health insurance to stay away from them.
They hung up the phone on me 3 times after waiting for 10 min each time. They pick up and claim they can’t hear or they pick up and hang up or they hang up without picking up. Poor service and customer customer service
Probably the worst customer service. Can never get a hold a of customer service rep and there is an endless game of transferring calls because they cannot help you get the info you need. The automated system is such a waste of time and when you say “customer representative” it is not an option. Horrible!
Horrible customer service. They will hang up saying they can’t hear you or leave you on hold then hang up. Had to pay for a visit out of pocket because they saidbI wasn’t in the system
Blue Advantage HMO is not accepted anywhere when you need a life saving procedure performed. Terrible customer service. Website is always down or has issues. Calling customer service renders no help.
Never came across a company so bad service. Absolutely Rotten Service and Bad Company based on personal experience with this Company Called Blue Cross Blue Shield of Texas. Hopeless.
expensive hmo with high deductible. couldnt even find doctors who wanted to accept it. i had a terrible time even finding a general doctor. you lost my families business for life
3rd time trying to find a PCP, spoke to a representative for 20 minutes just trying to spell the name of a potential PCP. Then she hung up… still have no PCP
So far I’ve been on hold for 20 minutes now listening to the god awful loud piano music that is about to send me over. This is making me rethink getting you. C’mon BCBS this is ridiculous!!!
0 stars. Automated system is TERRIBLE. On hold for 3 hours, transferred several times to the “wrong department”, disconnected, and told “try back later”. This isn’t the first time either. Every time I have called in the past, same exact outcomes.
Their plans have the highest premiums that spike without notice or warnings. They also put some many clauses into all of their plans that they don’t cover any of the services you actually need.
Worst customer service you can find. Make sure you plan 4 hours of your day to talk to these people. If they tell you they will resolve an issue, make sure you plan two days of that week to call back because most likely it was not resolved.
Is there a – star option that I can give . Horrible customer service . They have hired teen agers to work for them who have no information at all. Wasted my two hrs over the phone and nothing . I have no words to tell about the horrible horrible customer service they have . Pathetic is the word .
I have paperwork of blood work showing clearly what sickness i have and tjey still refuse to cover for treatment the Dr. Is recommended. And they don’t have a straight answer about why is ben denied.
I hope you don’t EVER have to call them. I have been on hold for over 37 minutes and I have yet to talk to an actual human. I wouldn’t recommending them (coming from a professional standpoint).
Would give a 0 if I could. You are supposed to be our advocates but you allow for us patients to get stuck between you and the providers on claim issues. Horrible customer and patient service.
We’ve paid in over $10,000 dollars since July through our employer and before our insurance will cover anything we have to pay out of pocket $6,500 dollars. It’s a ripoff.
They deserve less than 0 star. their support is awkward. They will not try to understand your problem, they will just irritate you with their fix responses. Better to stay away from such cheap providers.
Re:Tres classe,aka Miss Mia, Dear Sir or Madame, Mia had such a professional, genuinely good, and compassionate impact on our little family, and we are eternally grateful. I,and the rest of my family, would like to say thank you. Mia …
Terrible company. This is an Illinois business masquerading with a Texas name. Can the state insurance regulators not require a so called state insurance company to have it’s staff and services within the state? Ditto on the terrible customer service, poor coverages and exorbitant premiums.
I had the same negative experience. I wanted to get an idea of health care costs based on CURRENT pricing. The rep totally ignored my question and kept repeating that I could not sign up until Nov 1 and to call back then. All I wanted was an ESTIMATE. I repeated myself multiple times with the same dismissive answer.
Last year I had the secret super coverage ppo plan that had a bunch of smoke screens hiding ways to recover TMJ and other ailments loopholing everything considering it medical and NOT DENTAL – found out that for my 2016 plan they didn’t …
Took me almost a year to get a PCP doctor my doctors are wanting me to have surgery and my insurance is saying oh no we don’t do that yes we do do that no we don’t yes we do and then I finally get oh if you have stomach cancer we’ll do it but if it’s for your health for other reasons no we won’t pay for it
Waited 2.5hours on hold and then was hung up on. This was after multiple attempts to contact customer support. I’d rather be uninsured than patronized. I will never do business with this company again.
Tried for an hour to find someone to speak with. Automated system hung up on me 4 times. First two real people said wrong number for my needs put on hold given another wrong number. When I finally got someone was off shore. Ask to speak to …
they remove negative reviews as there are hundreds. BCBS is a filth pig machine that does not pay for medications or services but has a call center staff ready to snowball concerns. Pathetic
Many HMO doctors on BCBS list DO NOT ACCEPT HMO insurance, or no new patient BCBS HMO even though BCBS HMO list says ‘ACCEPTS” and also ‘Accepting New Patients’. …
Another hour long telephone call to return their message to call them. Your a big company BCBS spend a little money training your call center reps and use better computer software!
Horrible company.. Insane increases in premiums with little to no usage. I’m in my 30’s, non-smoking, great health. YET – my premiums have increased 10% every six months for the last three years. #insane
Update! I was finally able to get insurance but unfortunately I am now unable to make a online payment keeps telling me I’m logged out bcbstx I am begging you at this point to fix your website half the time I can sign in and the other half tells me they’ve never heard of my username and password this is ridiculous
What are you doing BLUE CROSS BLUE SHIELD?
You have provided the Worst customer service ever , the operater keep hanging up on me and when I asked her to please not disconnect the call she said I AM NOT …
Had their plans and they were all useless with extremely high premiums. Nothing is covered. I canceled and now they call all the time. I’ve clicked on the remove me from the list option numerous times and am tired of it. I will now leave a negative review each time they call.
When I called in September, Blue Cross / Blue Shield of Texas told me my flu shot would be free if I got it at CVS. When I went to my local CVS, I was directed to the MinuteClinic for the shot, where I confirmed that they were “in-network” …
It’s just some call center in another country. They can’t even understand you. I absolutely cannot stand that. It’s going to be scams. Yeah let me give all my kids info to someone in another country👎 …
Horrible customer service. No one seem To have amy knowledge of work there doing. Stayed on phone for 3 hours and all wat happened was transferring from one department to another and represtatives hanging up on you or emailing wrong documents. Horrible Horrible experience. Zero customer service.
It amazes me that this company call tree is so difficult to use and the staff are not trained and keep transferring the calls (x6 today). If I multiplied the minutes on hold at each stop it would be 68 minutes and still holding. I would say they are not customer friendly.
I don’t know what’s with all the negative reviews of this place; I have a couple friends that work here and they say it’s great. They offer monthly contests with gift cards to great local restaurants like Olive Garden, Torchy’s, etc. to …
Trying to credential a provider for Network participation is a joke. The website has no hyperlink to access the onboarding roster . Sends you to CAQH. Then they have no access to this either. CAQH is required and was completed. Never …
I cannot believe that BCBS is having issues negotiating a contract with TMR. I am still looking for updates to see if THEY make this happen. I know if every other insurance can make this work the problem is with BCGS. They are so cheap …
If I could, I would give zero stars. I am an independent consultant so have to buy an individual “plan”from the marketplace. BCBSTX charges me more this year than I paid for my PPO last year (over $9000 in premiums), and they don’t cover …
Terrible customer service. Waited over 15 minutes on hold (Your call is important to us” blah blah blah). Just to pay my bill for my Medicare Part F plan. I will also mention that my Medicare Part D drug plan is worthless. I checked …
I’ve had blue cross insurance for 10 years and just got a robo call trying to get me to start an account. Don’t bug me with sales calls when you are already getting my money monthly. Also, it is WAY to difficult to just find an e-mail to contact you. Your “contact us” links just lead me to a quote. Bad webdesign.
Beverly (Dallas Office) was very helpful over the phone. There was a mixup with filing a claim and she volunteered to call the other party to figure things out for me so I didn’t have to. Beverly offered very high quality service.
PROVIDERS BEWARE! Absolutely incompetent as an agency. Do yourself a favor and do not accept Blue Cross Blue Shield of Texas. Give your clients/patients a voucher instead, so they can call Blue Cross Blue Shield on their own, to see what …
The automated line is a fail. Never lets provider line reach any customer advocate. This is so frustrating. It says transfer to an advocate is not an option, you can hang up! Tried different numbers to reach to an advocate but every line directs you to the same machine and does not let you move forward
The only reason why we have this insurance is because my husbands job. Worse insurance in my opinion…awful customer service and nobody can give you answers for anything. I’ve been back and forth with them and the DME company to get my …
I just got my insurance card and was unable to create an online account. It keeps on stating that username and password cannot be the same and they are clearly not. If it is impossible to create an account, I wonder what their service will be like.
Terrible phone system. They dont know what they are doing. Thirty minutes to talk to somebody only to get tranferred and your question still unanswered. As far as coverage, its like no coverage. They wont cover a needed medication. BCBS and …
If you have a child with special needs, please consider a different plan. My son needed outpatient surgery, and they refused to approve the one hospital that had everything he would need. (We had been working with special needs …
Really horrible customer service! I called the number given on their plans brochure. The agent takes all my info and then transfers to me to another dept. This lady once again asks me to repeat all the info, then she is unable to answer my …
My fiance was covered at the time he needed a bronchoscopy in December. Then in January he switched to a new insurance company after the procedure had already happened. It’s a year later and the still haven’t paid for what he was covered …
Horrible company. Trying to deal with them is absolutely insane. I had a terrible accident/fall. Turned it in and nothing is ever received when I call to check the status. Had to start sending everything certified/RR. Because they have …
If I could give negative stars I would. The customer service, simple put, is wretched. As is the service. The customer service people are very decent and take, I’m sure, quite a bit of venting from irate customers. In my experience the …
I didn’t want to give that star. I had to send this to get a response on Facebook:
Good morning, now to the truth. I’m livid with this company right now. I have …
I love cross blue shield. They are extremely helpful and I am able to find tons of physician’s who are in network. I used their website to determine who is in network and not by what insurance a physician will take by google reviews. When …
I stopped paying my premiums when I found out a portion of my involvement with ACA was going to fund planned parenthood. I was then re enrolled in to a plan with out my permission at the start of 2018. When I called to cancel I was informed …
Whelp… was told my meds were covered, but at the highest tier ($200 +) until the overly large deductible is paid ($3000 per person)… are you kidding me? At those prices, why even have insurance. Not to mention I called and was told I …
First off, I see a ton of negative reviews about the specialist or the surgeon that people went in and saw being out of network now they are left with a monster bill. That is not the carriers fault, that is the PCP or internist that …
Worst insurance i have ever had. I pay almost $400 per month to have them cover NOTHING. There were 2 surgery’s (medically necessary) that i was denied a Prior Authorization for which I am sure that because i have met my deductible and Max out of pocket that is the true reason they denied it.
Horrible company. They ACCIDENTALLY dropped me for no reason, despite taking my extremely ridiculously high premium. Became very ill and went to the doctor only to be turned away due to no coverage. When I called BCBSTX, I was told by 4 …
Run from this health insurance. I’m from California and blueshield there is amazing, here it sucks! No doctors accept and when they do they’re old and outdated.
Wish we had better options here in Texas. Horrible service. Mailed confidential documents to an address I never lived at and tried to claim it wasn’t their fault. – Customer service agent could’ve cared less.
BCBS has provided me with the worst experience I have ever had with a business. They billed my boyfriend at the wrong amount all year. Midway through the year, they realized they should have been billing at a higher amount. They added up …
They cover almost nothing, are in network with almost no one, yet have a premium comparable to decent silver plans in other states. Absolutely everything is bottlenecked by the small network of providers. Even if you want to pay out of …
Your medical insurance carrier manages the plans your employer (yes the company who YOU work for) makes the decision on what is covered for you as their employees. You are paying back your employer with your premiums each pay period. It …
Need to add a few more “customer advocates”. Waiting on the phone for 15 minutes is not acceptable. You do not provide medical care, you are not health coverage. I cannot show up to your building for an MRI or doctor appointment. Your company extracts billions out of the healthcare system and provides no value or actual service.
Their special enrollment time frame does NOT Include current pregnant women. Only after the baby is born. But I would qualify if I was a student moving to a different zip code. What a joke.
I’m a type 1 diabetic. I’m broke down out of town. I ran out of insulin while here. BCBS refused to cover a prescription for an emergency. They would rather pay an emergency room visit to a hospital than pay for another script. These …
I”m Trying to enroll since i just moved to texas, I can’t hear any of the people who answer the phone, the ask the same information OVER AND OVER AND OVER again .. then they say I can’t get coverage until open enrollment.. I literally …
They are fraudsters. They say they cover preventative care, but when I submitted a claim for reimbursement after getting a flu shot, they said it was out of network (how is buying a flu shot at a store out of network?), and applied the …
Crystal (phone customer service) helped me with going over my benefits and was super nice and helpful. I appreciate the professionalism and the fact that she was knowledgeable.
Incompetent customer service. On phone for 1.5 hours about login issues and no customer rep could provide a solution. One suggested calling their support number and muting my phone so the automation would “eventually” take me to a representative that might be able to help. Seriously?
We signed up for dental insurance. They back dated the enrollment date and tried to charge us for Nov and Dec when the usable plan starts in Jan. I called in mid Jan when I got the first bill and was told it was all straightened out, the …
My mother in law only got this insurance because they assured her that she could keep her doctor that she’s had for 30 years and the minute her check went through they told her she had to get another doctor because he’s not on their list. …
Been 5 months, calling 6 weeks, spent 50+ hours trying to get a primary care doctor, (which you need for referrals), and all their info on their website for “Find A Doctor” is out of date and incorrect. STILL I can not find a doctor that …
Have called them 5 times regarding getting policy in place for when newborn arrives. First 3 times asked me to leave call back number for representative to reach out due to high call volume, never received call. Then I called back, was …
I am an insurance agent but also a client of BCBS of TX. I find it very frustrating that I have to do my own research when it comes to finding a provider that accepts my BCBSTX HMO plan. Most of the providers listed on your website as in …
Unfortunately, I cannot do a -star review or else I would. I have been a customer of Blue Cross Blue Shield of Texas for three years. They did a fine job with my yearly doctor visit and occasional prescriptions until’ I actually needed …
Absolutely awful customer service! You will spend an hour on the phone as the representative looks into your case, only to come up with more questions than answers and the information provided is not any more detailed than what you already …
I have twin daughters that are eleven months old, and BCBS of TX still can’t figure out why they get two bills each time we have a routine checkup for the twins. I’ve had to call multiple times after each visit to get things correct after the claims are denied as “duplicate”. It is extremely difficult to get through to a live person.
Not to jump on the bandwagon or anything, but if you are looking for answers to ANY questions that you may have regarding your policy, the customer service agents with BCBS are not going to be able to help you. I have been calling regarding …
Member services staff has very limited knowledge. Can’t hardly answer any questions. Online portal for medicare supplement policies is one of the worst. Can’t access billing, statements, or benefit coverage. They put you on hold for a long time, then cut you off after 10 minutes on hold.
Poor Insurance, I will NOT use this company in insistence any more … most Doctors you call will not take this HMO … I will pay cash if I have to go to a doc.
BCBS TX has denied every single claim I’ve had for over a year, under the idea that I have another insurance as my primary insurer, which is absolutely not true. Every time I call to fix a denied claim because I got an outrageous bill, it …
I have been disappointed more and more ever since my employer switched to BCBSTX a few years ago. Many providers listed on their members page as ‘in-network’ do not accept the coverage, and that’s if I can actually log into the members …
The worst insurance company I ever had to deal with. They will say that you are covered then hit you with a $1,000 premium just because. If I could give them zero stars I would. Do not use this company at all.
Worst insurance my partner has ever had! Their HMO plane should be illegal, as they provide next to no benefits and routinely require us to drive 45 – 90 minutes away for visits with approved providers. We live in Houston, and closer …
Horrifying company. Denies everything. Denied my sons feeding therapy, medications and various other services. Also, denied my one year olds surgery. Network provider site doesn’t even work. Worst decision I ever made was getting BCBS. I’ll never forgive myself for choosing them.
They have created 2 accounts for my parents and are double billing. When you call to make them aware of the fact that they have to accounts and you only have one insurance card with one Insurance ID and they are charging you for double …
This insurance is a rip off , it a horrible insurance ever . Horrible customer service. I had a knee surgery and refused to give me extended to my physical therapy…. not recommended at all
Lack of customer care. Can never get a hold of a customer service rep. Will NOT pay on doctor bills when they KNOW it is something covered! Worse insurance company EVER. Not worth the headache (literally)!!!
There were some unexpected emergency surgery that I have to go through in a coupl of days but my eligibility needed to be updated. Calling BCBS and Ms Latisha from the help desk answered. Very professional and very very helpful. She had …
It shouldn’t be this hard to contact a live person on the phone…seriously this is ridiculous. I’ve tried every number I can find. I work for a company whose contact info is incorrectly placed under one of your physicians (Dr. Mehjabin …
For an HMO, my plan isn’t too bad. My premium is high, but my copay is nearly nothing. They cover all my medications, and the agents I’ve talked to are really nice. They actually called Walgreens for me to help resolve a billing issue. All insurance sucks. This one sucks…slightly less.
We had a procedure scheduled for the beginning of next month. One week before the end of this month we get a notice that BCBS TX will no longer have that hospital or our doctor in network throwing our plans into complete chaos. Now they get …
I have their PPO through my employer. 1) I need two procedures per my physicians. Coverage for one procedure was denied. I emailed through their system (because I want the conversation documented) asking why it was denied and for the …
Cannot get in touch with a person without going through a million automated questions, also tried to go online to get information and that was no help either. The worst! Looking for specific doctors, I have a PPO they list 2 and both are not taking new clients. Now what????
I would NOT recommend bcbstx to anyone! Customer service is HORRIBLE!! PEOPLE BARELY SPEAK ENGLISH! It’s just an all around headache..don’t have a medical emergency and think bcbs is going to cover if a specialist is needed.
Website lists doctors that wont actually accept your plan. This was supposed to be good insurance but its a joke. I can’t even find a PCP in my area that will take new patients
If I could zero stars I would. This company is the worst we’ve ever had to deal with. We had to get our plan from the marketplace & since then it’s been nothing short of a nightmare. We’re paying $330 a month for ONE child & can’t afford to …
The network they have is garbage and if you see anyone it’s most likely out of network and not covered. No problem taking $1000 a month for insurance but good lucking having them pay for anything. Healthcare system in the USA is a joke in general.
Terrible provider, recently switched from another plan and they are denying therapy to my 3 year old with Autism. We’ve never had this problem with our previous insurance plan. Will probably need to to switch to my insurance plan, despite …
This insurance is a rip off. I pay monthly premiums. I’ve been unable to work since I had covid. Blue cross will not cover my revision surgery. Saying I have to pay over $8,000 before they will cove 70%. They don’t care about you. They will just let you hurt and eventually may even pass. God bless all of you.
They are the worst insurance company I’ve ever had through a job. They stopped covering my sleep medication so now I get next to no sleep. My Hematologist said I was anemic and recommended an iron infusion. They didn’t want to pay for the …
when I signed up I give my PCP on application. They didn’t save it, so I have to spend 1 hr of my life updating me and my families PCPs. now I just got inconvenienced by asking if I have other insurance. I have to log in to tell them NO
This is the worst insurance company ever! Please don’t use them . Their customer service is a joke. I wasted so much time by calling them, was put on hold a lot Their reps are so confused and do not know what the hell they’re doing! Just …
they are jast scam insurance company. i have been paying them 6 years and never sought anything but today i needed to order covid testing kit, called them and they had no clue about their job. in my insurance plan, i am supposed to get 8 test kits per month and i couldn’t place an order after being 1 hr on phone with them
Ive purchased marketplace plans for my family for years. I just received an email (September)stating the price went up. This has never happened before. I called to find out why & received an automated message saying “there are difficulties, goodbye” and the call ended. Surely this is a fluke. I’ll try again tomorrow.
Worst customer service ever, tried to call 10 times (across multiple days of the week) to get assistance with finding in network mental health care providers, couldn’t get a hold of anyone to assist me. Online my only option was 1 mental …
REP TARA POPE : was such an amazing HELP!!!!
We as a dental office were in need of fast Insurance help !
Mrs. Tara was so professional , did not hesitate to go above and beyond to make …
The WORST most incompetent night mare company I’ve ever had to deal with my entire life . I’ve been trying to get a continuation of care from my wife sense Augest 1st, 2022 it’s now November 29th, 2022 still no answers . No one does their …
All I wanted was another Insurance Card, she would not do it she said (3 times), because I didn’t tell her the address they have on their end! We have been living at the same address for the past 9 yrs. We had an apartment before we got BCBS insurance. All I wanted is some new cards!!!
They are the worst insurance company. I have focal dystonia and need to get Botox. The first time they denied it and then my doctor appealed it. They allowed me to get it. I was supposed to get my second injection and they called me saying …
AWFUL. BCBSTX over the last several years has bullied every other provider from the Texas exchange. By 2021, I was only offered 1 bottom rung plan — One!! no other providers, just 1 terrible BCBS policy with high premiums. In 2022 a new …
Extremely disappointed the insurance likes to play doctor and not answer calls as the denied services for the 1stvof the year. Without my treatment I have no quality of life. Waiting on the phone as customer service can’t get the department …
Avoid any health insurance policies with this company. They deceptively claim preventive healthcare is provided 100%–it is not. I got an endless run-around with their customer service just to get basic blood test paid for. I am still …
Horrible! They have no problem taking your monthly premium but when it comes down to using your insurance they make you prove you don’t have a secondary insurance! It’s not there business if someone has a second policy or not it’s the …
Absolute scam. They up your rates without notice, and then when you cancel they tell you it will take only 8-9 days for your refund. I’ve waited the better part of a month. Do not recommend them at all . Stay away …
Called the company 14 times to resolve a simple task regarding a refund- never resolved. I was transferred from one department to another- hung up on three times. Not one person in this organization seemed to care at all. It isn’t the same company that provided my insurance when I worked for the Senate.
I cant think of a more corrupt or crooked company. They GOUGE policy holders, don’t take phone calls and lie about their earnings. No insurer is more likely to deny coverage. God help you if you have a grandfathered policy. …
trash. they send my bills late and then tell me I haven’t paid on time. Their website keeps forgetting my account.
It’s American health insurance. I think that explains enough.
By the way of almost every single review BCBSTX does not care about people. Politicians don’t care about people, they care about profits. Self employed people have one option in this state and it’s not even close to even an actual option.
500.00 a month and 5000.00 deductible. Still they don’t pay saying “Bills submitted before I discharged from the hospital aren’t covered because they submitted two days before i paid my deductible in full.” …
POS insurance i mean just absolute trash
Pretty Horrid to be honest. I went to their website to find a PCP and numbers are wrong doctors don’t work at the locations that are stated and choices are VERY limited. The website and care provider information is out of date and not kept …
One of the worst customer services and technology oriented companies. Website mostly not working, System Error, useless instructions, can’t pay bills on line, drops connections frequently, and doesn’t provide customer interaction on-line. …
They SUCK!!!!
Very friendly.
Unbelievably inept staff!
Great place to work
Terrible customer service!!
They Ended my call!
Worst insurance service.
The worst service
Cold calls are not appreciated.
can’t hear them…on the phone
Great insurance company
Is 0 possible? Stupid staff who has no information and can’t even speak proper English.
A nightmare of a network of putting you on hold, and checking things and in the end not finding what you are looking for.
The general service is bad. The costumer service is worse. The website service is the worst!
can never get through always say you can not get a rep
Health insurance company
I could not put a lower rate worse company ever created
Great company, great benefit with astonishing fast claim close timeliness.
Best in Texas
Lies lies lies. I’ve given them 740.00 dollars and still can’t use the insurance.
They disconnect me when I ask to get off their unsolicited mailing list.
Is there anything worse than US health insurance. Aka: healthcare ransom.
Great company
LIARS….. Cheats! This is a horrible company. I hope the virus puts you OUT OF BUSINESS… SCAM ARTISTS
Utterly ridiculous on hold now 54mins still no signs of customer service
Worst insurance company I’ve ever had to deal with.
This is the insurance I have ever had. My health coverage is in good hands!
worst nightmare if you try to call them ! just try to call them to ask a question !! my call literally was redirected to 10 people!! I have been on the phone from 9:30 to 11:30 to answer one damn general question !!! one of them hung up one me
Nice Customer services Rep- they knew there job very well and she was very punctual on the question i had for her and her responded was very professionalism with outstanding methodology.
Outrageous deductibles. They don’t care ANYTHING. You’re better off being uninsured and saving some money
Nice place to work if you get into a good team.
They don’t even deserve a one star!! They decide to terminate my insurance while the pandemic is going on!
My mom has being trying to get a Doctor who speak Spanish well their site of list of doctor is not updated all the doctor that state they speak Spanish they don’t and is so bad that they have on their list of providers a doctor who has passed away in 2015 when it’s already 2019 you have to be kidding me
Can’t no star them. If I could I would.
This is probably the worst insurance company with worst customer service you can find. I would sincerely suggest any individual or company looking for health insurance to stay away from them.
They hung up the phone on me 3 times after waiting for 10 min each time. They pick up and claim they can’t hear or they pick up and hang up or they hang up without picking up. Poor service and customer customer service
Probably the worst customer service. Can never get a hold a of customer service rep and there is an endless game of transferring calls because they cannot help you get the info you need. The automated system is such a waste of time and when you say “customer representative” it is not an option. Horrible!
Good place, but mismanaged. Supervisor are a joke.
Horrible customer service. They will hang up saying they can’t hear you or leave you on hold then hang up. Had to pay for a visit out of pocket because they saidbI wasn’t in the system
Blue Advantage HMO is not accepted anywhere when you need a life saving procedure performed. Terrible customer service. Website is always down or has issues. Calling customer service renders no help.
Wrong name on policy, weeks to fix, customer support isn’t in Texas, but a call center god knows where.
I worked here for 23 years. Just retired from there.
Never came across a company so bad service. Absolutely Rotten Service and Bad Company based on personal experience with this Company Called Blue Cross Blue Shield of Texas. Hopeless.
I love working here.
expensive hmo with high deductible. couldnt even find doctors who wanted to accept it. i had a terrible time even finding a general doctor. you lost my families business for life
3rd time trying to find a PCP, spoke to a representative for 20 minutes just trying to spell the name of a potential PCP. Then she hung up… still have no PCP
So far I’ve been on hold for 20 minutes now listening to the god awful loud piano music that is about to send me over. This is making me rethink getting you. C’mon BCBS this is ridiculous!!!
0 stars. Automated system is TERRIBLE. On hold for 3 hours, transferred several times to the “wrong department”, disconnected, and told “try back later”. This isn’t the first time either. Every time I have called in the past, same exact outcomes.
Their plans have the highest premiums that spike without notice or warnings. They also put some many clauses into all of their plans that they don’t cover any of the services you actually need.
Horrible password required. The password shouldn’t be so challenging that even you can’t remember it. This is RIDICULOUS! …
Worst customer service you can find. Make sure you plan 4 hours of your day to talk to these people. If they tell you they will resolve an issue, make sure you plan two days of that week to call back because most likely it was not resolved.
Is there a – star option that I can give . Horrible customer service . They have hired teen agers to work for them who have no information at all. Wasted my two hrs over the phone and nothing . I have no words to tell about the horrible horrible customer service they have . Pathetic is the word .
I have paperwork of blood work showing clearly what sickness i have and tjey still refuse to cover for treatment the Dr. Is recommended. And they don’t have a straight answer about why is ben denied.
Best place to work at
I hope you don’t EVER have to call them. I have been on hold for over 37 minutes and I have yet to talk to an actual human. I wouldn’t recommending them (coming from a professional standpoint).
Would give a 0 if I could. You are supposed to be our advocates but you allow for us patients to get stuck between you and the providers on claim issues. Horrible customer and patient service.
We’ve paid in over $10,000 dollars since July through our employer and before our insurance will cover anything we have to pay out of pocket $6,500 dollars. It’s a ripoff.
Best place to work
They deserve less than 0 star. their support is awkward. They will not try to understand your problem, they will just irritate you with their fix responses. Better to stay away from such cheap providers.
Re:Tres classe,aka Miss Mia, Dear Sir or Madame, Mia had such a professional, genuinely good, and compassionate impact on our little family, and we are eternally grateful. I,and the rest of my family, would like to say thank you. Mia …
Terrible company. This is an Illinois business masquerading with a Texas name. Can the state insurance regulators not require a so called state insurance company to have it’s staff and services within the state? Ditto on the terrible customer service, poor coverages and exorbitant premiums.
I had the same negative experience. I wanted to get an idea of health care costs based on CURRENT pricing. The rep totally ignored my question and kept repeating that I could not sign up until Nov 1 and to call back then. All I wanted was an ESTIMATE. I repeated myself multiple times with the same dismissive answer.
Last year I had the secret super coverage ppo plan that had a bunch of smoke screens hiding ways to recover TMJ and other ailments loopholing everything considering it medical and NOT DENTAL – found out that for my 2016 plan they didn’t …
Bad customer service, they would just hang up on me
Took me almost a year to get a PCP doctor my doctors are wanting me to have surgery and my insurance is saying oh no we don’t do that yes we do do that no we don’t yes we do and then I finally get oh if you have stomach cancer we’ll do it but if it’s for your health for other reasons no we won’t pay for it
Waited 2.5hours on hold and then was hung up on. This was after multiple attempts to contact customer support. I’d rather be uninsured than patronized. I will never do business with this company again.
Very pleased in their Medicare coverage.
Tried for an hour to find someone to speak with. Automated system hung up on me 4 times. First two real people said wrong number for my needs put on hold given another wrong number. When I finally got someone was off shore. Ask to speak to …
they remove negative reviews as there are hundreds. BCBS is a filth pig machine that does not pay for medications or services but has a call center staff ready to snowball concerns. Pathetic
Many HMO doctors on BCBS list DO NOT ACCEPT HMO insurance, or no new patient BCBS HMO even though BCBS HMO list says ‘ACCEPTS” and also ‘Accepting New Patients’. …
Another hour long telephone call to return their message to call them. Your a big company BCBS spend a little money training your call center reps and use better computer software!
Do I really need to be specific? Straight up dystopian.
Good place to work
Do yourself a favor, do not use my blue health plans.
Horrible company.. Insane increases in premiums with little to no usage. I’m in my 30’s, non-smoking, great health. YET – my premiums have increased 10% every six months for the last three years. #insane
Update! I was finally able to get insurance but unfortunately I am now unable to make a online payment keeps telling me I’m logged out bcbstx I am begging you at this point to fix your website half the time I can sign in and the other half tells me they’ve never heard of my username and password this is ridiculous
What are you doing BLUE CROSS BLUE SHIELD?
You have provided the Worst customer service ever , the operater keep hanging up on me and when I asked her to please not disconnect the call she said I AM NOT …
Had their plans and they were all useless with extremely high premiums. Nothing is covered. I canceled and now they call all the time. I’ve clicked on the remove me from the list option numerous times and am tired of it. I will now leave a negative review each time they call.
Every time I try it says my password is wrong. Junk website. impossible to get in touch with a human. Poor customer service
When I called in September, Blue Cross / Blue Shield of Texas told me my flu shot would be free if I got it at CVS. When I went to my local CVS, I was directed to the MinuteClinic for the shot, where I confirmed that they were “in-network” …
It’s just some call center in another country. They can’t even understand you. I absolutely cannot stand that. It’s going to be scams. Yeah let me give all my kids info to someone in another country👎 …
Horrible customer service. No one seem To have amy knowledge of work there doing. Stayed on phone for 3 hours and all wat happened was transferring from one department to another and represtatives hanging up on you or emailing wrong documents. Horrible Horrible experience. Zero customer service.
It amazes me that this company call tree is so difficult to use and the staff are not trained and keep transferring the calls (x6 today). If I multiplied the minutes on hold at each stop it would be 68 minutes and still holding. I would say they are not customer friendly.
I don’t know what’s with all the negative reviews of this place; I have a couple friends that work here and they say it’s great. They offer monthly contests with gift cards to great local restaurants like Olive Garden, Torchy’s, etc. to …
Trying to credential a provider for Network participation is a joke. The website has no hyperlink to access the onboarding roster . Sends you to CAQH. Then they have no access to this either. CAQH is required and was completed. Never …
I cannot believe that BCBS is having issues negotiating a contract with TMR. I am still looking for updates to see if THEY make this happen. I know if every other insurance can make this work the problem is with BCGS. They are so cheap …
If I could, I would give zero stars. I am an independent consultant so have to buy an individual “plan”from the marketplace. BCBSTX charges me more this year than I paid for my PPO last year (over $9000 in premiums), and they don’t cover …
Terrible customer service. Waited over 15 minutes on hold (Your call is important to us” blah blah blah). Just to pay my bill for my Medicare Part F plan. I will also mention that my Medicare Part D drug plan is worthless. I checked …
I’ve had blue cross insurance for 10 years and just got a robo call trying to get me to start an account. Don’t bug me with sales calls when you are already getting my money monthly. Also, it is WAY to difficult to just find an e-mail to contact you. Your “contact us” links just lead me to a quote. Bad webdesign.
Beverly (Dallas Office) was very helpful over the phone. There was a mixup with filing a claim and she volunteered to call the other party to figure things out for me so I didn’t have to. Beverly offered very high quality service.
PROVIDERS BEWARE! Absolutely incompetent as an agency. Do yourself a favor and do not accept Blue Cross Blue Shield of Texas. Give your clients/patients a voucher instead, so they can call Blue Cross Blue Shield on their own, to see what …
The automated line is a fail. Never lets provider line reach any customer advocate. This is so frustrating. It says transfer to an advocate is not an option, you can hang up! Tried different numbers to reach to an advocate but every line directs you to the same machine and does not let you move forward
The only reason why we have this insurance is because my husbands job. Worse insurance in my opinion…awful customer service and nobody can give you answers for anything. I’ve been back and forth with them and the DME company to get my …
I just got my insurance card and was unable to create an online account. It keeps on stating that username and password cannot be the same and they are clearly not. If it is impossible to create an account, I wonder what their service will be like.
Terrible phone system. They dont know what they are doing. Thirty minutes to talk to somebody only to get tranferred and your question still unanswered. As far as coverage, its like no coverage. They wont cover a needed medication. BCBS and …
If you have a child with special needs, please consider a different plan. My son needed outpatient surgery, and they refused to approve the one hospital that had everything he would need. (We had been working with special needs …
Really horrible customer service! I called the number given on their plans brochure. The agent takes all my info and then transfers to me to another dept. This lady once again asks me to repeat all the info, then she is unable to answer my …
My fiance was covered at the time he needed a bronchoscopy in December. Then in January he switched to a new insurance company after the procedure had already happened. It’s a year later and the still haven’t paid for what he was covered …
Horrible company. Trying to deal with them is absolutely insane. I had a terrible accident/fall. Turned it in and nothing is ever received when I call to check the status. Had to start sending everything certified/RR. Because they have …
If I could give negative stars I would. The customer service, simple put, is wretched. As is the service. The customer service people are very decent and take, I’m sure, quite a bit of venting from irate customers. In my experience the …
I didn’t want to give that star. I had to send this to get a response on Facebook:
Good morning, now to the truth. I’m livid with this company right now. I have …
I love cross blue shield. They are extremely helpful and I am able to find tons of physician’s who are in network. I used their website to determine who is in network and not by what insurance a physician will take by google reviews. When …
I stopped paying my premiums when I found out a portion of my involvement with ACA was going to fund planned parenthood. I was then re enrolled in to a plan with out my permission at the start of 2018. When I called to cancel I was informed …
Whelp… was told my meds were covered, but at the highest tier ($200 +) until the overly large deductible is paid ($3000 per person)… are you kidding me? At those prices, why even have insurance. Not to mention I called and was told I …
First off, I see a ton of negative reviews about the specialist or the surgeon that people went in and saw being out of network now they are left with a monster bill. That is not the carriers fault, that is the PCP or internist that …
Worst insurance i have ever had. I pay almost $400 per month to have them cover NOTHING. There were 2 surgery’s (medically necessary) that i was denied a Prior Authorization for which I am sure that because i have met my deductible and Max out of pocket that is the true reason they denied it.
Horrible company. They ACCIDENTALLY dropped me for no reason, despite taking my extremely ridiculously high premium. Became very ill and went to the doctor only to be turned away due to no coverage. When I called BCBSTX, I was told by 4 …
Run from this health insurance. I’m from California and blueshield there is amazing, here it sucks! No doctors accept and when they do they’re old and outdated.
Wish we had better options here in Texas. Horrible service. Mailed confidential documents to an address I never lived at and tried to claim it wasn’t their fault. – Customer service agent could’ve cared less.
BCBS has provided me with the worst experience I have ever had with a business. They billed my boyfriend at the wrong amount all year. Midway through the year, they realized they should have been billing at a higher amount. They added up …
They cover almost nothing, are in network with almost no one, yet have a premium comparable to decent silver plans in other states. Absolutely everything is bottlenecked by the small network of providers. Even if you want to pay out of …
Your medical insurance carrier manages the plans your employer (yes the company who YOU work for) makes the decision on what is covered for you as their employees. You are paying back your employer with your premiums each pay period. It …
Can’t get through to customer service, EVER. The one and only time I did get through, the lady lied and said they are open till 8pm. A LIE
Need to add a few more “customer advocates”. Waiting on the phone for 15 minutes is not acceptable. You do not provide medical care, you are not health coverage. I cannot show up to your building for an MRI or doctor appointment. Your company extracts billions out of the healthcare system and provides no value or actual service.
Their special enrollment time frame does NOT Include current pregnant women. Only after the baby is born. But I would qualify if I was a student moving to a different zip code. What a joke.
I’m a type 1 diabetic. I’m broke down out of town. I ran out of insulin while here. BCBS refused to cover a prescription for an emergency. They would rather pay an emergency room visit to a hospital than pay for another script. These …
I”m Trying to enroll since i just moved to texas, I can’t hear any of the people who answer the phone, the ask the same information OVER AND OVER AND OVER again .. then they say I can’t get coverage until open enrollment.. I literally …
They are fraudsters. They say they cover preventative care, but when I submitted a claim for reimbursement after getting a flu shot, they said it was out of network (how is buying a flu shot at a store out of network?), and applied the …
This is what happens when government has ties to healthcare. Great job Obama.. Our healthcare system is ruined!!
Crystal (phone customer service) helped me with going over my benefits and was super nice and helpful. I appreciate the professionalism and the fact that she was knowledgeable.
Incompetent customer service. On phone for 1.5 hours about login issues and no customer rep could provide a solution. One suggested calling their support number and muting my phone so the automation would “eventually” take me to a representative that might be able to help. Seriously?
We signed up for dental insurance. They back dated the enrollment date and tried to charge us for Nov and Dec when the usable plan starts in Jan. I called in mid Jan when I got the first bill and was told it was all straightened out, the …
My mother in law only got this insurance because they assured her that she could keep her doctor that she’s had for 30 years and the minute her check went through they told her she had to get another doctor because he’s not on their list. …
Been 5 months, calling 6 weeks, spent 50+ hours trying to get a primary care doctor, (which you need for referrals), and all their info on their website for “Find A Doctor” is out of date and incorrect. STILL I can not find a doctor that …
Impossible to speak to a human being in provider relations. Very unfortunate for everyone that has this insurance.
Have called them 5 times regarding getting policy in place for when newborn arrives. First 3 times asked me to leave call back number for representative to reach out due to high call volume, never received call. Then I called back, was …
I am an insurance agent but also a client of BCBS of TX. I find it very frustrating that I have to do my own research when it comes to finding a provider that accepts my BCBSTX HMO plan. Most of the providers listed on your website as in …
Get pre-authorizations from them in writing even if they say you have the coverage and it’s not necessary.
Unfortunately, I cannot do a -star review or else I would. I have been a customer of Blue Cross Blue Shield of Texas for three years. They did a fine job with my yearly doctor visit and occasional prescriptions until’ I actually needed …
Absolutely awful customer service! You will spend an hour on the phone as the representative looks into your case, only to come up with more questions than answers and the information provided is not any more detailed than what you already …
I have been on the phone for hours on different dates, times and I have yet to get a hold of a helpful human being.
I have twin daughters that are eleven months old, and BCBS of TX still can’t figure out why they get two bills each time we have a routine checkup for the twins. I’ve had to call multiple times after each visit to get things correct after the claims are denied as “duplicate”. It is extremely difficult to get through to a live person.
Not to jump on the bandwagon or anything, but if you are looking for answers to ANY questions that you may have regarding your policy, the customer service agents with BCBS are not going to be able to help you. I have been calling regarding …
Member services staff has very limited knowledge. Can’t hardly answer any questions. Online portal for medicare supplement policies is one of the worst. Can’t access billing, statements, or benefit coverage. They put you on hold for a long time, then cut you off after 10 minutes on hold.
Teresa was kind enough to be very helpful and informative about my dental plan.
Poor Insurance, I will NOT use this company in insistence any more … most Doctors you call will not take this HMO … I will pay cash if I have to go to a doc.
BCBS TX has denied every single claim I’ve had for over a year, under the idea that I have another insurance as my primary insurer, which is absolutely not true. Every time I call to fix a denied claim because I got an outrageous bill, it …
I have been disappointed more and more ever since my employer switched to BCBSTX a few years ago. Many providers listed on their members page as ‘in-network’ do not accept the coverage, and that’s if I can actually log into the members …
You have to spend 3 hrs on the phone with them to get anything approved. The last straw is them denying a surgery for cancer!!!
The worst insurance company I ever had to deal with. They will say that you are covered then hit you with a $1,000 premium just because. If I could give them zero stars I would. Do not use this company at all.
Worst insurance my partner has ever had! Their HMO plane should be illegal, as they provide next to no benefits and routinely require us to drive 45 – 90 minutes away for visits with approved providers. We live in Houston, and closer …
Horrifying company. Denies everything. Denied my sons feeding therapy, medications and various other services. Also, denied my one year olds surgery. Network provider site doesn’t even work. Worst decision I ever made was getting BCBS. I’ll never forgive myself for choosing them.
They have created 2 accounts for my parents and are double billing. When you call to make them aware of the fact that they have to accounts and you only have one insurance card with one Insurance ID and they are charging you for double …
This insurance is a rip off , it a horrible insurance ever . Horrible customer service. I had a knee surgery and refused to give me extended to my physical therapy…. not recommended at all
Lack of customer care. Can never get a hold of a customer service rep. Will NOT pay on doctor bills when they KNOW it is something covered! Worse insurance company EVER. Not worth the headache (literally)!!!
There were some unexpected emergency surgery that I have to go through in a coupl of days but my eligibility needed to be updated. Calling BCBS and Ms Latisha from the help desk answered. Very professional and very very helpful. She had …
It shouldn’t be this hard to contact a live person on the phone…seriously this is ridiculous. I’ve tried every number I can find. I work for a company whose contact info is incorrectly placed under one of your physicians (Dr. Mehjabin …
For an HMO, my plan isn’t too bad. My premium is high, but my copay is nearly nothing. They cover all my medications, and the agents I’ve talked to are really nice. They actually called Walgreens for me to help resolve a billing issue. All insurance sucks. This one sucks…slightly less.
We had a procedure scheduled for the beginning of next month. One week before the end of this month we get a notice that BCBS TX will no longer have that hospital or our doctor in network throwing our plans into complete chaos. Now they get …
I have their PPO through my employer. 1) I need two procedures per my physicians. Coverage for one procedure was denied. I emailed through their system (because I want the conversation documented) asking why it was denied and for the …
Cannot get in touch with a person without going through a million automated questions, also tried to go online to get information and that was no help either. The worst! Looking for specific doctors, I have a PPO they list 2 and both are not taking new clients. Now what????
The most worthless web site in Texas. Typical of what BCBS has become. When a company gets this bad, it cannot recover.
I would NOT recommend bcbstx to anyone! Customer service is HORRIBLE!! PEOPLE BARELY SPEAK ENGLISH! It’s just an all around headache..don’t have a medical emergency and think bcbs is going to cover if a specialist is needed.
Website lists doctors that wont actually accept your plan. This was supposed to be good insurance but its a joke. I can’t even find a PCP in my area that will take new patients
If I could zero stars I would. This company is the worst we’ve ever had to deal with. We had to get our plan from the marketplace & since then it’s been nothing short of a nightmare. We’re paying $330 a month for ONE child & can’t afford to …
The network they have is garbage and if you see anyone it’s most likely out of network and not covered. No problem taking $1000 a month for insurance but good lucking having them pay for anything. Healthcare system in the USA is a joke in general.
Terrible provider, recently switched from another plan and they are denying therapy to my 3 year old with Autism. We’ve never had this problem with our previous insurance plan. Will probably need to to switch to my insurance plan, despite …
This insurance is a rip off. I pay monthly premiums. I’ve been unable to work since I had covid. Blue cross will not cover my revision surgery. Saying I have to pay over $8,000 before they will cove 70%. They don’t care about you. They will just let you hurt and eventually may even pass. God bless all of you.
They are the worst insurance company I’ve ever had through a job. They stopped covering my sleep medication so now I get next to no sleep. My Hematologist said I was anemic and recommended an iron infusion. They didn’t want to pay for the …
when I signed up I give my PCP on application. They didn’t save it, so I have to spend 1 hr of my life updating me and my families PCPs. now I just got inconvenienced by asking if I have other insurance. I have to log in to tell them NO
This is the worst insurance company ever! Please don’t use them . Their customer service is a joke. I wasted so much time by calling them, was put on hold a lot Their reps are so confused and do not know what the hell they’re doing! Just …
they are jast scam insurance company. i have been paying them 6 years and never sought anything but today i needed to order covid testing kit, called them and they had no clue about their job. in my insurance plan, i am supposed to get 8 test kits per month and i couldn’t place an order after being 1 hr on phone with them
Ive purchased marketplace plans for my family for years. I just received an email (September)stating the price went up. This has never happened before. I called to find out why & received an automated message saying “there are difficulties, goodbye” and the call ended. Surely this is a fluke. I’ll try again tomorrow.
Worst customer service ever, tried to call 10 times (across multiple days of the week) to get assistance with finding in network mental health care providers, couldn’t get a hold of anyone to assist me. Online my only option was 1 mental …
REP TARA POPE : was such an amazing HELP!!!!
We as a dental office were in need of fast Insurance help !
Mrs. Tara was so professional , did not hesitate to go above and beyond to make …
The WORST most incompetent night mare company I’ve ever had to deal with my entire life . I’ve been trying to get a continuation of care from my wife sense Augest 1st, 2022 it’s now November 29th, 2022 still no answers . No one does their …
All I wanted was another Insurance Card, she would not do it she said (3 times), because I didn’t tell her the address they have on their end! We have been living at the same address for the past 9 yrs. We had an apartment before we got BCBS insurance. All I wanted is some new cards!!!
They are the worst insurance company. I have focal dystonia and need to get Botox. The first time they denied it and then my doctor appealed it. They allowed me to get it. I was supposed to get my second injection and they called me saying …
AWFUL. BCBSTX over the last several years has bullied every other provider from the Texas exchange. By 2021, I was only offered 1 bottom rung plan — One!! no other providers, just 1 terrible BCBS policy with high premiums. In 2022 a new …
Extremely disappointed the insurance likes to play doctor and not answer calls as the denied services for the 1stvof the year. Without my treatment I have no quality of life. Waiting on the phone as customer service can’t get the department …
Avoid any health insurance policies with this company. They deceptively claim preventive healthcare is provided 100%–it is not. I got an endless run-around with their customer service just to get basic blood test paid for. I am still …
Horrible! They have no problem taking your monthly premium but when it comes down to using your insurance they make you prove you don’t have a secondary insurance! It’s not there business if someone has a second policy or not it’s the …
Absolute scam. They up your rates without notice, and then when you cancel they tell you it will take only 8-9 days for your refund. I’ve waited the better part of a month. Do not recommend them at all . Stay away …
Several comments from the insurance customer, but from a provider viewpoint, this is also the worst insurance company to work with. …
Called the company 14 times to resolve a simple task regarding a refund- never resolved. I was transferred from one department to another- hung up on three times. Not one person in this organization seemed to care at all. It isn’t the same company that provided my insurance when I worked for the Senate.
I cant think of a more corrupt or crooked company. They GOUGE policy holders, don’t take phone calls and lie about their earnings. No insurer is more likely to deny coverage. God help you if you have a grandfathered policy. …