Blue Cross and Blue Shield of New York Empire
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Amber of Brooklyn, NY Verified Reviewer
Original review: June 20, 2022
First time with Empire Blue and every time I have to do anything with them it's SO PAINFUL. I cannot wait until the year is up and I can try a different Health Insurance Company. Crazy for $650/month. Looking for a PCP within their website is so confusing, the algorithm kept trying to make me see Doctors far away and when I google the offices they are Gas Station parking lots!! Don't trust anything about that. Several doctors refused to see me because there's a code from Empire Blue that makes it look like I am on Medicare, but I'm not. Am paying out of pocket full price. So many days of my life calling and calling the doctors on the list, and they are all really weird rundown offices. Something seems so wrong
Several phone people I spoke to gave inaccurate information, for example saying I had to pay for included Preventative Services, or that I needed a referral for Preventative Services. I read the small print of the contract and this is not correct. But wow if English was not your first language, it would be so confusing. Also wary because if they give inaccurate info about the basics, then what else are they going to get wrong. Website is very confusing, you can't even download a billing statement. But there's a help bot asking you questions every few minutes. Everything is more painful than it needs to be, I'm not sick, I dread to think what they would be like to deal with then, I cannot wait to change. Stay away folks.
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Sangrok of Palisades Park, NJ Verified Reviewer
Original review: June 13, 2022
I am an Out of Network Provider in NJ and sent claims for patient with policy in NY (Empire BCBS of NY). When I called to verify coverage, they said the plan has out of network coverage for the services I render. After sending the claims, I received letters from Empire BCBS stating that the claim cannot be processed due to missing provider info, which is not true since I sent the claim form with the information. The service representative I've talked to said I need to call the local BCBS plan, but they don't have the contact info. I searched on the web, but Empire does not have NJ plan, so there is nobody to contact.
When I asked if the plan covers services rendered in NJ out of state provider, they confirmed it does. I spent over 1.5 hours on the phone to figure this out but they still don't give me any resolution. They do not have any phone number, nor FAX number nor any specific information pertaining to it. I still don't know if the service is even covered. I will not recommend any out of network provider in NJ to accept the plan.
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Oskar of Farmingville, NY Verified Reviewer
Original review: April 25, 2022
This company *knows* the Biden administration mandated the full reimbursement of expenses regarding Covid testing, including RT-PCR tests. Yet, they keep pulling old tactics to get away with their shameless scam: pay in only in part, and ignore the customer in hopes that we will eventually give up and stop complaining. I am insured with Empire BlueCross BlueShield through my employer, not directly. However, I just contacted HR and let them know of this irregular activity. I will also seek alternatives in the near future, as I expect my insurance company to be minimally honest, among other things. Stay away from this company.
Anales of Jersey City, NJ Verified Reviewer
Original review: March 10, 2022
They keep processing claim from an in network doctor as out of network. They did it in 2021 first time. They are still trying to fix it and reprocessed the claim 5 times. No one has got any money yet. For the same doctor they made the same mistake in 2022. Processed his claim as out of network again. There is a huge disconnect between departments and BCBC in different states. Every time I call I get conflicting information. Same is true for emails. I think they do it deliberately to rip innocent subscribers off their hard earned money. Pathetic company. Wonder how they became so big. Bribed their way up.
Peter of Water Mill, NY Verified Reviewer
Original review: Dec. 3, 2021
Don't use Empire Blue Cross...They didn't come to my aid at a time when I desperately needed it. After corrective jaw (orthognathic) surgery to address facial deformity, I was left with some severe sequelae: difficulty eating/chewing, swallowing, breathing, sleeping, and severe asymmetry of the back of the jaw (on one side, the ramus of the jaw was terribly flared out). My occlusal plane angle was severely out of the range of normal, causing my biting difficulty. My airway was still severely narrow and obstructed, leading to sleep apnea and breathing problems. Both of my jaws were still retruded (too far back) and vertically underdeveloped. I also had a prognathic chin.
I chose a world-renowned surgeon for revisionary corrective jaw surgery, and he wrote a clear letter to Empire Blue Cross explaining why this procedure was medically necessary. However, Empire Blue Cross refused to cover the hospital fees, and I had to pay Baylor Medical Center $30,000. After having had this surgery, my condition is now significantly improved. Not to mention...after appealing the initial denial, the subsequent denial letter left blank the entire area where the explanation for the denial was supposed to be shown. After I contacted Empire Blue Cross (over several attempts) to try to get this resolved so I could access the explanation for the denial, it took an unreasonably long time for a revised letter to be sent to me. I was in bad shape and needed the surgery. My family had to assist me and I took out loans.
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Julio of Bronx, NY Verified Reviewer
Original review: Aug. 26, 2021
Accepted in most places, and coverage is very good, also their customer service is very friendly, I have them for a while now and have absolutely nothing to complain about it and other people I know are very satisfied as well.
Monica of Lake Peekskill, NY Verified Reviewer
Original review: March 29, 2021
My partner signed up for this insurance during open enrollment last year because it looked like it had sufficient scope in terms of coverage and doctors. Unfortunately he was then diagnosed with cancer. Then, thankfully we thought, the insurance had an oncologist nearby. After a few sessions, we started to get large bills and the doctor's office stated that the insurance was claiming they were out of network. As it turns out, many of the listed doctors on their site, and the ones their agents tell you are in network, are actually out of network. Now we are without an oncologist. With a deadly disease. They cannot seem to be able to join a call to resolve the issue, and now after reading the other comments here, it appears that this is some sort of very large and deadly scam. We pay over $1,300 a month for this. And there is no doctor that he can use that is in network.
How do we create a claim to have this insurance reviewed and either cleaned up or shut down? Who should we contact? At this point we are going to have to figure out how to pay hundreds of thousands of dollars out of pocket, just to stay alive. What other insurance will take us now? With a preexisting condition? No one please ever use this insurance. Save your money, your time and your life. Because they will take it all otherwise.
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Andrew of Bay Shore, NY Verified Reviewer
Original review: March 23, 2021
This place is a giant SCAM. Do not do business with these people. I've been getting my medicine which is 4 pills for 10 years now and they reduce it to 3. They offered to me to pay out of pocket. I tried and the pharmacy said I can't. Expensive insurance that I pay every week and now when it's their turn to pay they want to deny me my medicine which I need to survive. Agents don't do anything to help the cause, they put you on hold and tell you the same runaround which never leads to solving the problem at hand. I have had it with the little man always getting screwed by these insurance companies. I wish I could give it a 0 rating cause 1 is way too good.
Amber of Schoharie, NY Verified Reviewer
Original review: May 21, 2019
Totally useless information and customer service. Listen. If I've submitted the same claim four times, denying for four different reasons (and I had to call and email multiple times EVERY TIME just to get a little information about what I was doing wrong, and there are no instructions anywhere), but it's only on the last claim that you tell me I won't be reimbursed because the provider is NOW out of network (although when originally choosing the provider I was told he WAS in network, but, "Oh, sorry, that must have been a mistake")... Your company is unethical. Your customer service is inconsistent and unreliable. And you don't provide the necessary accurate information in order for the insured to make informed decisions. Worst of all, you are costing yourselves MORE money by only paying for expensive things instead of making it easier to get less expensive care and prevention. This is a great example of what's wrong with the system.
john of Long Beach, NY Verified Reviewer
Original review: April 28, 2019
LOOK, My humble opinion and I believe the following thoughts: I WILL NEVERRRRRRR**** GET EMPIRE AGAIN. January 16, 2018 MRI and left Empire January 18, 2018. They refuse to pay. After dealing with from October 2018 to now. Now I will file complaints with NYS and US Attorney General's office, NYS Governor's office, Health Bureau, FTC, many government entities and websites. They also violated HIPPA regulations I believe. 518-367-4737 Bridget ** management and supervisor Ayanna ** at extension ** reference number ** – ** . It's disgusting they kept jerking me around for months saying it was in appeals and then appeals didn't review all doctor's documents for some reason. I think I was denied because my insurance ended couple days later like it feels to me malicious. I also filed reviews on Twitter and Facebook. Empire Blue Cross Blue Shield health insurance. I wish there was a way to give zero stars.
Source: https://www.consumeraffairs.com/insurance/bluecross_ny.html
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