Horizon Bluish Cross/Blue Shield Blues

I pay a hell of a lot out of bag for wellness insurance. Seriously, what I pay a calendar month would live the equivalent to someone amongst a smallish mortgage or leasing a luxury machine for 27 months - Yeah, I’ve played amongst the numbers plenty to know that. 

So when Horizon BC & BS sent me a novel insurance ID carte du jour amongst 3 new/additional letters, inwards substance giving me a novel membership ID number. Nnot exclusively did I allow all my doctors know - I likewise showed them the carte du jour together with pre printed out at to the lowest degree 10 copies of said carte du jour to plough over to them when I went to their diverse offices-in person. 

I likewise called their offices directly, similar & I did amongst medtronic (pump supplies) & EdgePark, my durable medical equipment (test strip) suppliers. 

In early on September, the onset of denial claim letters started to arrive.

These letters from Horizon BCBS stated: 

“WE HAVE NO RECORD OF THE IDENTIFICATION NUMBER SUBMITTED TO THE SUBSCRIBER.”

You know the, the IDENTIFICATION NUMBER, right??  You know, THE ONE THEY ISSUED ME!!!  YEAH, THAT ONE! 

And since September these letters own got arrived weekly. 

Now I’ve called together with spoke amongst the same supervisor (Mr. Supervisor) numerous times, together with together nosotros establish a few things. 

1. They printed the incorrect PO Box on the thousands of cards that issued inwards August. 

    We establish that out past times comparison what he told me my carte du jour should say, together with me telling  him what my carte du jour genuinely said. Yeah, they powerfulness own got wanted to purpose an Editor on that project

1. He did to a greater extent than excavation together with establish out at that topographic point was a glitch inwards the organization when it came to my ID Number - which is why my claims weren’t getting paid. Good to know!
2. He genuinely seat a rush on the claims filed upwards until the offset of Oct - which was when nosotros figured out the problem
3. I called over again at the offset of Nov after my manus doctor’s component division said they would shipping the residual of the unpaid claim to a collections office  - inwards essence, affecting my skillful credit. Mr. Supervisor called them (and my other doctors offices) together with Dr Hand’s component division isn’t sending me to the preverbal credit cleaners...... YET. 
4. And Mr. Supervisor likewise seat a rush on the October/ Nov claims since our final conversations  - And he told me to live patient. 

Here’s the thing: Horizon’s rates larn upwards past times virtually 20% or 1/5  ever yr due “administrative costs, “ together with then you’d intend that a systems information technology glitch would live fixed, ASAP. But that’s non the case. 

It’s withal happening together with at nowadays at that topographic point are thousands of dollars worth of unpaid claims together with Horizon is withal working on the glitch. 

I’ve spent countless hours inwards somebody together with over the telephone amongst people from diverse doctors offices together with Mr. Insurance Supervisor to no avail - And I've taken countless hours off of travel to bargain amongst these issues. 

I’ve likewise spent  numerous hours on the telephone trying to travel inwards touching amongst Mr. Supervisor because for about reason, Horizon does non believe inwards giving their supervisors/ Reps direct extensions. 
I’ve had about reps fighting amongst me that at that topographic point was no work on their cease together with that everyone else (my doctors together with DMEs) are filing their claims wrong. 

45 minutes later on the reps  would sing a dissimilar melody when they dug deep into the reference numbers together with realized that possibly it was a work on their end!  Those calls lasted on average 1 threescore minutes to 1 threescore minutes together with xv minutes earlier they fifty-fifty endeavor to accomplish Mr. Supervisor.

In the past times calendar week I’ve received 2 letters re: 2 of the many claims amongst issues, 

that were sent to my  former together with at nowadays nonexistent address, which the post component division forwarded  - And I own got no sentiment why they sent them there,, considering my bills larn sent to my electrical current address. 

These letters: PROVIDE YOU (me) WITH WRITTEN NOTICE THAT WE ARE IN THE PROCESS OF VERIFYING INFORMATION SUBMITTED WITH THE CLAIM.

FYI: They don't produce rush on claims amongst issues, together with then It could own got upwards to half-dozen months for the healthcare providers to have their payments.

Now let’s live clear hither - I’m withal paying my monthly premiums (actually a niggling to a greater extent than than my monthly premium because I almost e'er pay into the next month’s premium past times at to the lowest degree $50) together with they are withal cashing my checks. 

So what the hell gives? 

My premium rates larn upwards every yr past times 20% due to administrative fees, I’m paying those fees together with then ready the glitch together with pay my doctors together with DME suppliers. 

I’m beyond stressed together with merely all of my luncheon threescore minutes amongst Horizon Customer Service Rep trying to larn a agree of Mr. Supervisor - who was amongst about other customer together with couldn’t speak amongst me - But PROMISED to telephone phone me when he had the chance. 

This is at nowadays affecting my wellness on many levels, I ask a follow upwards amongst my Hand Dr. because the carpal tunnel/ trigger finger is withal giving me issues - But he’s withal waiting to larn paid. And I come across my Endo inwards mid Jan - And he’s withal waiting to larn paid. Not to elevate the fact that my DME together with view supplies withal haven’t received their payments for this quarter!

And it’s stressing me the hell out!  I’m tired, I’m angry together with the final matter I desire to produce is for this to drib dead along good into the novel year.

So after spending all of today’s luncheon threescore minutes talking to a rattling overnice rep who tried to accomplish Mr. Supervisor ( according to his IM, he was helping someone else,  again. But according to his rattling overnice co-worker, he promised to telephone phone me back) sometime today/tomorrow. And  I outburst into tears after I hung upwards the phone.  

I don’t desire to own got own legal action  - I merely desire my claims paid together with for no ane else to own got to bargain amongst a systems glitch regarding their healthcare attention provider. 

Anyone else bargain amongst a similar effect amongst their insurance company? How did you lot resolve it?   And whatever together with all advice is greatly appreciated.