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Empire Blue Cross And Blue Shield

Empire Blue Cross And Blue Shield

www.empireblue.com
What is your customer experience with Empire Blue Cross And Blue Shield?

Empire Blue Cross And Blue Shield Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

Based on reviews, created with AI
Rating Distribution

Overall Customer Rating and Sentiment

Empire Blue Cross And Blue Shield reviews show a 1.1 star rating from 5 customers with mostly dissatisfied sentiment; reviewers cite high price levels and problems with billing, refunds, and Exchange policies.

Positive Feedback

No clear service strengths reported; some note the brand sounds prestigious despite poor experiences.

Negative Feedback / Risk Areas

  • Frequent customer complaints about poor customer service, long hold times, and disconnected calls.
  • Repeated denials of authorizations and coverage for procedures and emergency care.
  • Billing and refund issues, unexpected charges, and membership/cancellation problems.
  • Outsourced OTC vendor failures and slow or missing deliveries.

Key Takeaways for Future Customers

  • Confirm coverage and authorizations before procedures and check Empire Blue Cross And Blue Shield membership validity.
  • Monitor bills closely and be prepared to escalate billing or refund disputes.
  • Expect lengthy calls to customer service and consider alternative carriers if provider access is critical.
View full overview ›

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Show reviews that mention
insurance member primary care blue cross cross blue blue shield shield member denied24 service satisfaction
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Savhanna Jzl

I am a member of Blue Cross Blue Shield member...

I am a member of Blue Cross Blue Shield member R5960**** I am trying to find out if my Talkspace online Therepy is covered in anyway

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M Rif

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Primary Care Provider unable to reach a representative in authorizations

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AI Highlights
  • - Denied wheelchair claim despite medical proof; appeal denied for time limit.
  • - System didn't recognize member number; calls were long.

Contacted this company to follow up on a denied claim for a wheelchair. Medical documentation proves beyond a doubt the patient requires a wheelchair.

Unable to get through on the provider line as the system did not recognize the patient's insurance member number. Was able to get through to a representative after 35 minutes and several automated messages that required a response. Eventually, after providing the same information for verification purposes TWICE, the unpleasant/unhappy representatives stated they would transfer the call to the authorizations department. Both times the call was disconnected.

Was never able to get through. In addition, the DME vendor had submitted an appeal, but it was denied because it "exceeded the time limit allowed for a claim". They are being required to submit an entirely new request for authorization.

No doubt so that this company can do exactly the same thing. The primary care provider's office has advised the patient to change their insurance carrier.

Preferred solution: To inform patient's that this is not a good insurance carrier.

User's recommendation: As a primary care provider's office we advise patients to select a different insurance carrier.

View full review
Phyllis Jean R
map-marker Syracuse, New York

Need insurance

AI Highlights
  • - Need health insurance; Empire, Blue Cross and Blue Shield; 64 turning 65 in November.
  • - On UnitedHealthcare; not with Mount Sinai or hospitals I use.

Please help me I need health insurance Im willing to pay for Empire, Blue Cross and Blue Shield. I have UnitedHealthcare right now but doesnt participate with Mount Sinai or some of the hospitals that I use.

I am not eligible for Medicare until 65. I am 64 years old now I will be 65 in November.

Preferred solution: I would like to have Empire, Blue Cross and Blue Shield as my insurance health insurance

View full review
Danica A Fch

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Poor service and product quality.

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AI Highlights
  • - Mammogram denied.
  • - Won't cover 100% of annual checkup; I pay about $1,200/mo.
  • - BBB rating is F; average satisfaction around 1/5.

Mammogram denied

24 mile RT drive to nearest pharmacy

Outsourced customer service with poor English

Wont cover 100% annual checkup (I pay nearly $1,200/mo)

Sydney app appears to have been written by middle-school student programmers

And the list goes on and on.

F rating at BBB

Average satisfaction rating on most sites is slightly higher than 1/5

Loss:
$750
Pros:
  • Sounds prestigous
Cons:
  • Fails to deliver

Preferred solution: Chapter 11 filed by BC/BS

User's recommendation: Stay away

View full review
Sung sil K

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

My insurance plan cancel

I has been moved to LA.

In 2020... that time l already cancel to Blue

Cross insurance. But

still working.

Preferred solution: I don't have my ID card in blue cross insurance So.. i can't contact insurance company by phone.

View full review
Kay R Luu

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

The OVC Reps for Empire that I talked to are liars, scarcastic and cold blooded.

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AI Highlights
  • - OTC service provider, not Empire, promised 2-day delivery but failed to deliver and provided no tracking.
  • - Refused to share tracking.

This complaint is not against Empire, but the company that runs the OTC service for them. Friday, January 13, 2023.

I ordered some necessary OTC items online. The website app for OTC said 2-day delivery service. After placing your order online, they do not give you a tracking number, nor do they send you anything stating they received your order like other insurance companies. The only way that you know you placed an order is the amount that they deduct from your Flex card they provide you with.

I had not received the items by Jan 16th. It was MLK holiday. So I didn't call until Jan 17th. When I had mentioned that I did not receive my items that I really, really needed.

The rep said, "because of the MLK holiday, the delivery people are backed up". She then says it will take 7 to 10 business days. She assured me that I would be receiving the items on Thursday, Jan 26th. Ok, on Jan 26 at 4:00 pm I still had not received my items as the rep assured me I would.

I called back and spoke with Miriah after 4pm on Jan 26. Miriah assured me once again that my items would be there before the end of that day. At 9pm the same day, I had still not received the items. She refused to tell me the tracking number and didn't even bother to look it up.

So the next day on Jan 27th I call back and spoke to another rep. I was upset and didn't get her name. This rep was very sarcastic and not at all helpful. She didn't even look up the information.

She didn't even ask if I had a tracking number, so she could check if it was delivered or not. Instead, her only response was sucking her teeth, she said"TSK TSK, isn't that a shame you didn't get your package. Then she said, "Well, I don't know when you will be getting it. I just hung up.

. Furthermore, I'm disabled, I needed those items to function properly. I don't like dealing with unprofessional, unsympathetic liars. I'm filing a complaint with Empire.

If they keep this current company. Then I'm cancelling my insurance with them.

Loss:
$1

Preferred solution: Deliver product or service ordered

User's recommendation: I wish Empire would get another OTC company. they are liars and are not helpful at all.

View full review
Erica E Qxy

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Benefits

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AI Highlights
  • - New to Empire HealthPlus.
  • - No specialists accept this plan; scalp growth removal denied; CVS discount program required.
  • - It costs $900/mo.

I am new to the Empire healtplus gatekeeper. No specialists take this.

I was denied a removal of a growth on my scalp. They do not fill my asthma medication and will only use generic now they are telling me I have to fill through CVS discount program.

For $900 a month this is terrible insurance!!!

Loss:
$900
Pros:
  • No pros only cons
Cons:
  • Only cover generic meds
  • Most doctors decline to take it
  • No specialists take it

Preferred solution: Let the company propose a solution

User's recommendation: NO dont get it

View full review
Anonymous
map-marker Brooklyn, New York

I was denied of emergency care

AI Highlights
  • - I had an accident and broke my ankle.
  • - The insurance company denied care.
  • - The hospital told me.

I had an accident, I broke my ankle and was denied the care from the Insurance company, I was just told by the hospital. What kind of "care" is this when I pay for my health care and was denied an EMERGENCY?!?!

User's recommendation: Dont trust the system!!!!

View full review
Darlene E Ttv

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Received insurance I'd later told I'm not covered

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AI Highlights
  • - My insurance ID card was not valid at my doctor visit.
  • - Empire asked for more information with no explanation, and I face surgery with no insurance.

I received my insurance I'd card I had to visit my doctor to find out my card is not valid. Called empire was told they needed additional information no explanation and end of conversation. I am scheduled for surgery with no insurance

User's recommendation: Blue cross blue shield is not what it use to be look for another company

View full review
Anonymous
map-marker New York, New York

Insurance Problem

AI Highlights
  • - Signed up for BCBS as secondary insurance.
  • - Received a welcome kit and insurance card.
  • - Senior going into surgery cannot afford the bill.

I signed up for Blue Cross Blue shield as a secondary insurance for myself. I received the welcome kit with my insurance card included.

I visited my doctor and was told I do not have a secondary insurance.

Why would a company send a confirmation of a product when its aka, not valid. I am a senior going into surgery and cannot afford to pay the bill

User's recommendation: Use Another Compan

View full review
Anonymous
map-marker New York, New York

Worst. Company. Ever.

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AI Highlights
  • - Terrible customer service with long wait times and many phone numbers.
  • - They'd switch to Aetna or Oxford if affordable; OSCAR is worth checking.

Terrible customer service. Long wait times, too many phone numbers, each for different things and when you finally get off hold and speak to a human being, more often than not, they can't help!

That is, if you're not disconnected I've seen more complaints about Blue Cross/Empire Blue on the internet than any other insurance company. WHEN will someone in the executive office start caring? I'm convinced that the only reason they're doing well as a company is because thanks to the Affordable Care Act, they have been anointed! I HATE that I have to carry this insurance!

If Aetna and Oxford/United weren't so expensive, I'd bail on Empire in a flash.

If you're reading this and can swing it, I'd recommend Aetna and Oxford/United over Blue, and also, OSCAR is worth checking out. I really hope that my doctors start taking OSCAR next year.

Cons:
  • Policies
  • Customer service
Reason of review:
Poor customer service
View full review
1 comment
Guest

Terrible Customer Service. Wait time more than 1 hours.

Anonymous
map-marker New York, New York

No ID card, several unanswered e-mails =NIGHTMARE

AI Highlights
  • - $456 was deducted from checking on 12/27/13.
  • - ID card arrived 1/25/14, almost 4 weeks after.
  • - The ID lacked a 3-letter prefix, so tests were canceled.

On 12/27/13 $456 was deducted from my ckng. acct.I did not receive an ID card until 1/25/14.

Almost 4 weeks. Being without a card physically on me (and the ID# they gave me did NOT have the 3 letter prefix before it, as it does on the card itself, so my Drs. could not find me in the computer, having had to cancel important tests as result.As a breast cancer survivor, I have found this process to be a travesty and next to being told I had cancer, this has been the next worse thing to deal with.

This entire process is making people sick, not better. People should be arrested for this

Loss:
$456
View full review
2 comments
Guest

My job changed to this company and it took over a month to get our cards. You are not alone. This company is corrupt.

Guest

At least you recieved your I D Cards.It is now 02/09/14 and I still have not recieved my I D Cards from signing up back in Dec.2013.I hate i even signed on with BlueCrossBlueShield this is bad business on their end.They have my money for the months of Jan.and Feb.But in return i have nothing to show that i even have health insurance with them.This really should be against the law.BlueCross BlueShield i hate you all you Suck Big Time.

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Anonymous
map-marker New York, New York

Jump in premiums

AI Highlights
  • - Rate rose from $154 to $172 in 2013.
  • - There was a $366.90 withdrawal on Jan 23, 2014.
  • - BCBS cancelled policy and Healthkeepers offered higher-cost plan.

I pay for my daughter to have health insurance. In December 2013 we were told her rate would increase from $154.00 to $172.00.

The withdrawal from my account was $366.90 on Jan 23, 2014. I called and was told she received a cancellation notice from BCBS stating her policy was no longer offered and she was offered a new policy with Healthkeepers for the larger amount. Really?

Don't remember receiving this cancellation letter, only the letter stating the increase to $172.00. She is a student and cannot afford the $366.90 and neither can I.

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1 comment
Guest

Welcome to Obamacare. Cancelling good policies and boosting premiums because the government said so.

It's not over yet.

The young and healthy aren't signing up, so the rest of us are going to have to foot the bill.

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Anonymous
map-marker Yonkers, New York

Refused to cancel my insurance

AI Highlights
  • - Cancelled insurance by phone weeks ago; confirmed.
  • - Charged for a new plan I declined weeks ago.
  • - Long hold; rerouted to main menu; lines closed.

I cancelled my insurance over the phone several weeks ago, they confirmed it with me. Yesterday I was charged for a new plan that I had declined weeks ago.

After being on hold for hours they finally answered, the woman on the phone was polite and said she was going to transfer me to the correct dept. she transferred me back to the main menu. I had to go through the whole process again only for the *** computer voice to inform me that the phone lines were now closed.

I'm so angry and frustrated. Don't trust this company.

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3 comments
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John N Mzy

Just don't pay the premium for the new plan. Why are you so intent on calling them to cancel something they arbitrarily signed you up for? When you don't pay an insurance premium, they automatically cancel you out after a certain length of time.

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Lauren v Ozi

Blue Cross Blue Shield

AI Highlights
  • - BCBS paid $67 for a $43,300 surgery.
  • - They claim $2,067 usual cost with a $2,000 deductible.

BCBS wrote me a check for $67 to reimburse me for a $43,300 dollar surgery. They are complete scam artists.

They claim the usual and customary cost for my surgery is $2067 and since I have a $2000 deductable they are only paying me $67. I don't know any surgery that you can get for only $2067. They are complete scam artists who just decide out of the blue what they are willing to pay. I have a supposedly good insurance plan, a PPO where I pay $480/month.

Do not use them. Is there anybody that regulates these insurance companies?

Loss:
$43000
View full review
3 comments
Guest

Insurance companies r a ripoff regardless if your in or out of network

Everyone siding for any of them is probably employed by one

Sarahmarie Gco

It sounds like you went out of network. If you went in network you would have only been on the hook for your deductible and 20% of the remaining contracted rate bill up to your out of pocket max.

However since you went out of network there's no pricing agreement between your provider and BCBS, thus you are on the hook for any amount above what BCBS determines is usual for the service. BTW Most insurance companies calculate usual and customary not based on their contracts with providers, but based on what Medicaid pays doctors in the region. Most doctors don't take Medicaid because of the fact it offers **** for payment. Thus BCBS basically is basing the bill on the lowest amount a provider can charge (by law a provider can't charge a person/insurance company less then what they charge Medicaid, which is also why health providers can't waive charges except in very limited situations)

Bottom line even though you have choice to go in or out of network, going in network is always the better choice.

If for no reason other then the provider has to waive the amount billed above the contracted rate and can't charge the patient for it.

Guest

They are not paying YOU the $67. That $67 is for your medical bill.

View more comments (2)
Anonymous
map-marker Dallas, Texas

BCBS NJ - worst track record for handling claims!!!

It is necessary to fight for every single dental claim with this company. My husband has always had a clear filling used for a cavity.

We have been with the same dentist for 17 years. When my school district switched to BC/BS dental we were told we would have the same coverage. Low and behold his clear filling was not covered. Their explanation was ridiculous.

I went to our employer who went to the NJEA (I am a teacher) with my claim and after we all fought it, it was finally paid. Shame on you BC/BS dental. Now I am fighting to receive the covered amount of my twins' orthodontic care.

It is ridiculous. I should be paid by BC/BS for my time fighting these claims.

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