Blue Cross and Blue Shield of North Carolina (Headquarters)

SALES REP CONVINCED ME TO SWITCH FROM ONE BLUE MEDICARE PLAN TO ANOTHER, THAT ALL PROVIDERS WOULD BE COVERED.MY BEHAVIORAL HEALTH PROVIDER NOT COVEREDDURING MEDICARE OPEN ENROLLMENT PERIOD I VISITED BCBSNC OFFICE ON [redacted]. THE SALES REP [redacted] CONVINCED ME TO SWITCH FROM BLUE MEDICARE PPO TO BLUE MEDICARE HMO, THAT I WOULD SAVE $40 PER MONTH. SHE ASKED IF I USED OUT OF STATE PROVIDERS, I SAID NO. SHE ASKED FOR A LIST OF MY PROVIDERS WHICH I PROVIDED. SHE TOOK A CURSORY GLANCE AT THE LIST AND SAID THEY WOULD ALL BE COVERED. MY BEHAVIORAL HEALTH PROVIDER WAS NOT COVERED AND THE ENROLLMENT PERIOD HAD ENDED. I AM NOW PAYING $85 PER WEEK INSTEAD OF $20 PER WEEK. I COMPLAINED ON 01/27/2016 AND RECEIVED A LETTER ON 02/08/2016, STATING THERE WAS NOTHING THEY COULD DO. SOMEONE JUST SUGGESTED I CALL Revdex.com AND I THOUGHT THAT A GREAT IDEA AS YOU ALL HAVE HELPED ME TREMENDOUSLY IN THE PAST. MY BCBSNC MEMBER ID # IS [redacted]. THANK YOU SO MUCHDesired SettlementRETROACTIVE RESTORATION TO BLUE MEDICARE PPO, ALTHOUGH I KNOW THE GOVERNMENT WILL NOT ALLOW THAT. COMPENSATION OF $65 PER WEEK FOR MY INCREASED COSTS.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.Consumer Response THEY WILL SIMPLY TELL ME THAT THIS IS THE GOVERNMENT'S FAULT FOR NOT ALLOWING MEMBERS TO SWITCH OUTSIDE OF THE OPEN ENROLLMENT PERIOD. MY CONCERN IS THAT THEY GAVE ME THE GUIDANCE AND IT SHOULD BE A VOLUNTARY ACT OF GOOD WILL TO COMPENSATE ME $3380. I WILL CAMPAIGN TO MAKE SURE THE PUBLIC IS AWARE OF THEIR LACK OF CONCERN FOR THEIR CLIENTS.Final Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.

Premium checks being cashed, but not applied to healthcare insurance. Several policies issued and not sure which policy or subsidy was applied.I attempted to renew my healthcare insurance through the Marketplace,however BC/BS issued several new policies with huge increases in the premiums and several different subsidy amounts. I have spent countless hours on the phone trying to get this resolved and determine if I have insurance or not. I also have paid over $800.00 in 2016 premiums which have not been applied to any policy with Blue Cross. It is impossible to resolve this through the Marketplace who advised there was nothing they could do. I do have some medical issues and preventative care treatment to consider.Desired SettlementI would like to have the previous policy I had in 2015 renewed, as requested. I have a letter from BC/BS confirming they had done this. The premium will also need to be adjusted from $$862.00 monthly to $289.00 a month which includes the subsidy. I also need to know where my paid premiums for 2016 were applied when cashed. I now have a past due bill in the amount of $1,676.83 due April 1, 2016.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.Consumer Response I was contacted immediately by my provider and my complaint was resolved within two days.

BCBSNC has billed me for two insurance policies simultaneously and will not refund the $900 that they admittedly owe me. Blue Cross Blue Shield of NC did not cancel our 2015 health insurance policies and they debited us for premium payments in January and February of this year for last year's policy as well as the new plan that we are currently enrolled in. They debited our checking account each month for $922 for the current years plan as well as $450 each month for last years plan. We have called BCBSNC over 10 times since January as well as 3 trips to the BCBS store in Morrisville, NC to try to rectify the problems. EVERY single person we have spoken to has said that the problem will be taken care of shortly and a check will be mailed to us within 30 days. The check has never been sent and every time we call back we get the same excuse "I do not see anything about this in the notes."Desired SettlementRefund of double-billed premium payments.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.

I have tried to get a hold of Blue Cross unsuccessfully over the last few months. I'm trying to update my payment info, but the web site is down and will not find me in the system, I literally was on hold for 2 hrs and gave up. When I did talk with someone about changing my payment info, he said just wait and a bill will come in the mail. I finally received a bill 2 weeks later, and it said I was overdue on my account because I could not reach them. I then proceeded to call the number on the letter, and the number send me to some auto club. This is by far the worst experience I have ever had with any company. It is really terrible.","neg-10

BCBS billed me for 2 policies.They owe me over $4,000. Cannot get resolutionCalled BCBS on Dec 27th about double billing after being on hold for 3 hours, they told me I would get refund check. Called 4 times in January on hold for 6 hours, finally was able to talk to someone but they did not have access to "complete" records. Scheduled a call back apt, they did not call. called again in February, after 50 min on hold I was told check was processed. Called on March 2 could not get through after 45 minutes on hold. Called again on March 9th and after being on hold for 50 minututes talked to someone who did not have access to all records/info so wanted to schedule an appt call back for March 11th which I could not do during the hours specified. They said that was the only option or go back on hold. Call ended. March 14th I was able to reac someone after only 29 min on hold, they could not help me but could schedule a call back between 8:00 am and 8:00 pm om 3/16.They did call me and spoke to a manager and assured me 100% it was would be taken care of , in fact the manager she discussed my issue with would personally call me back. I was skeptical so I asked for a number or email so I would not have to start process again. They cannot do this but rest assured since the manager was there and on top of this I would get a call back. needless to say no call back. I think it is an outrage that this company is allowed to do business in NCDesired SettlementJust my money back

No Insurance YetI purchased a BCBSNC insurance plan via the healthcare market website back on January 19th 2016. I called BCBSNC automated number and make my intital payment thru their automated number via my credit card. My payment was accepted and posted two days later. However, I kept receiving letters and emails from BCBSNC telling me to make my initial payment when it had already been made. The letter told me to disregard the notice if the payment had already been made which I did. My insurance was supposed to start February 1st. I asked that BCBSNC call me back to discuss the issue since I had not received my insurance ID cards. I received the call back but was given the wrong extension number to billing. when I tried to call the main number again, I was told that my call was unable to go through. This is getting beyond frustrating that BCBSNC can't just give me my insurance ID cards to start my insurance when they have already been paid. Desired SettlementI would like for my insurance to start already and receive my ID cards as I was supposed to. I would also like to know why BCBSNC had this problem in the first place.

Regardless of my doing everything instructed, BCBS terminated my policy with no notice. Starting in February 2016, I was being back billed for an inactive policy which is against Federal regulations. I spoke with BCBS multiple times and they instructed me to mail checks for payment for my active policy and they would terminate the January policy. For 3 months I did this and then they terminated my policy with no warning. When I called to speak with them about it, they directed me to contact the health insurance marketplace. I spoke with the marketplace and they assured me that they would submit an escalation to have the January back billing dismissed and my current policy reinstated. This was on April 28 and I spoke with [redacted] On May 11, I received a bill from BCBS for the month of May for my most recent policy. When I called to check on it they said that my policy had not been reinstated. The marketplace is saying that they have done their job and it is BCBS who has not reinstated my policy. I am a diabetic who has been without medication for a month now as I deal with this. I am also being back billed for medical appointments I had while making payments and being covered under my policy. I have done everything in my control to stay on top of this issue and feel BCBS did not uphold any of the promises they made when I spoke to them in [redacted] 2016 or April 2016. I mailed the checks with the correct account information and they assured me that was all I needed to do. Now, I am being told I cannot have health insurance until 2017 which is unacceptable for me with diabetes. My account number is YPIXXXXXXXXXDesired SettlementI would just like my policy reinstated and my medical bills from February 2016-now paid as per my policy. I would also like my medication to be allotted at my regular $10 rate. Business Response Thank you for the referral. We will reach out to the member and address any questions or concerns.

I had a with NC BCBS 12/1/15 - 12/31/15. There is no policy after 1/1/16. They keep billing me for a 2016 policy that I never purchased.They do not respond to email, nor to Customer Service requests via their web site, not does anyone ever answer their customer service phones lines. I have not been on hole for 40 min and 32 seconds. I give up.I do not want their incompetence to affect my credit rating as they continue to send me bills that I do not pay...as I do not have a policy with them any longer.All 2015 bills were paid by me before the inception date of my 30 day policyDesired SettlementI want my record cleared up. I don't know if this has already hit my credit reports..I expect that they have.As I might need this company some day in the future, I just want them to ackowledge that I do not have a policy effective 1/1/16/Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.Consumer Response I received a call yesterday from NC BCBS. They apologized for the situation and advised that they cancelled my policy effective 1/1/16 as of yesterday (March 30).They also confirmed that there should be no adverse affect on my credit rating due to their errors.Thank you, Revdex.com, for getting prompt action for me

I was dropped from health care plan for non-payment. However, I didn't miss any payments. Cannot contact anyone in customer service to resolve issueI purchased insurance through BCBSNC and have made all payments due. My policy was cancelled due to no payment even though I have in fact payed every bill. I have waited on hold to talk to customer service for over 45 minutes only to be transferred to the billing department with another 45 minute hold time and then transferred back to customer service. I have not been able to contact anyone to resolve this issue. At this point I would consider BCBSNC's business practices as dishonest and irresponsible. Desired SettlementI would like the Revdex.com to step in and assist me in resolving this issue with BCBSNC and work to assure that this does not occur with other BCBSNC customers.

I have tried contacting bcbs nc to cancel my policy over the past month and half. I have called during day time hours, and afternoon. At point on their website they offered evening hours. I xalled then too EVERY TIME I was kept on HOLD for a ludricous amount of time for over an hour, at which point I had to put the phone down.
There have no where online to cancel policy. I was at the doctors office and patients were also being told that the techinicans could not get through to bcbs ! it is INSANE to have to WAIT do long and never get in touch with a representative, especially when we as the customer are paying TIMELY premiums only to get NO CUSTOMER SERVICE, I have never experienced such insane wait times - with eventual no way in getting in touch with them! I posted on fb - and I have no response there either!! The government should fine this company for being able to continue services for all its thousands of members that rely on them!","neg-1

Unable to contact customer service, via online or after 3 phone calls, I was on hold a half hour each time. At the beginning on 2016, BC&BS of NC reenrolled me for health insurance against my wishes. I have recently obtained health insurance through my workplace and no longer need BC&BS. They offer no customer service through there website, I am unable to cancel the policy there, and after 3 phone calls to their help desk I have yet to speak with a customer service rep despite waiting longer than a half hour each time. I have spoken to other people who have had similar issues cancelling there policy with BC&BS. This is after they had major enrollment problems at the beginning of 2015, when they cancelled my policy against my wishes.Desired SettlementI want my policy cancelled effective 12/21/2015. I haven't needed insurance from them effective that date and I haven't filled a claim with them. There should be no issue to terminating our business, but I cannot get customer service on the phone despite good faith efforts on my part.Business Response We are working with the member to resolve their issue. Consumer Response When the charges for January and February (total amount $124.84) reversed, no further charges assessed, and an email confirmation that the policy has been cancelled. email [redacted]@gmail.com . Then I will consider this issue resolved. Thanks,**

I am one of the many who has been over charged with my new policy. I changed polices last November and received a new card in Jan. My bank account was drafted for the old policy amount. I called and paid for the new policy via the automated service and it showed the new amount. When I go online to look at my account and it shows two polices not one. I have tried to call BCBS but am always on hold. I stayed on hold for 3 hours and 22 minutes one day without any answer. I have contacted BCBS via Facebook and was told I have been put on the call back list. I have yet to be called and the last time I contacted them this way was jan 17. I have now received two paper bills for two different policies. I only need one. I have payed this month again via the automated service for the policy I would like to keep. I have been issued two different cards as well.
This is the first time I was eligible to purchase my insurance through the market place and did so.
This is getting to be very frustrating.","neg-7

Canceled member before they were supposed to. Said they would fix - now they refuse.My daughter got a job. Her coverage starts next month. Instead of canceling her at end of month - they canceled her on the 4th. Called BCBSNC agent, gave me a confirmation number that it would be fixed. Checked a week later. Not fixed. Called BCBSNC to find out why - was on hold 40 minutes and then hung up on. Called back, waited another 40 minutes and was told - BCBSNC was not going to have my daughter on insurance to end of month - after they already gave me a confirmation number that she would.Even though they canceled my daughter - I still have to pay the full amount this month.Desired SettlementHow can you fix that my daughter needs to go to the doctor - and BCBS refuses. Now BCBS demands that I pay for 3 people - knowing they canceled one of the three.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.Consumer Response My daughter needed to go to doctor last week. But she still cannot - even though I am paying for BCBS insurance. I've been through at least 5 phone calls. Each explaining that the problem will be fixed. Problem is not fixed. I hear it MAY be fixed next week. Not reassuring when my daughter needed to go last week.

Blue Cross failure to refund premium payment after health insurance was cancelled. Repeated calls to customer service have not addressed the problem.When we tried to terminate our health insurance policy prior to switching to medicare, Blue Cross continued to charge us a premium and then refused to refund the overpayment. After repeated attempts, Blue Cross has refused to resolve this. The following is a chonology of events leading up to this.Week of Jan. 11 I try to get through to BCBS to start the termination process for us because we will have Medicare as primary insurance starting in March and April. I was unable to get through to anyone, and the recorded message at BCBS said to call back later because of heavy call volume due to open enrollment.Jan. 28After over an hour on hold (it was still open enrollment time), I speak with [redacted] who told me to wait until Feb. to cancel my coverage in order to terminate it at the end of Feb. He told me the automatic draft to my account of $519.02 would drop to $274.76, as my portion of the monthly premium was $244.26. I told him I was leery of calling back in Feb. because I didn't want to be on hold for an hour again. I asked if he would call me. He said yes and was scheduled to call me on 2/8. He never called.Mar. 21After returning from being out of the country I checked my account online and found that BCBS had deducted the full premium from my account - $519.02 for the month of March. I called BCBS and spoke to [redacted] (ref. # [redacted]) who immediately removed the bank draft, terminating the policy for me as of midnight 3/31. She also told me I would be issued a refund of $244.26 for the month of March.Sometime after Mar. 25I receive a check for $50.62 from BCBS dated 3/25.Apr. 1I speak to [redacted] at BCBS who said I received a partial refund because they cannot refund retroactively. I was on hold over 40 minutes to speak with a supervisor about this and my phone battery died, losing the call.Apr. 4I spoke with [redacted] (ref. # [redacted]) who said I would receive a check for $193.64 still owed for my erroneously billed March premium. She said she could see in the notes where I had first reached someone at BCBS about this issue on Jan. 28.May 6Having received no check nor call from BCBS, I spoke with [redacted] (ref # [redacted]) who acknowledged that nothing had been done as a result of the 4/4 call. He said he would send an exception form up for approval of the refund, and that I would be receiving a check within 2-3 weeks if it were approved. He said he would call us back with the decision once it had been reached. He never called back.As of May 31No check nor call from BCBS.Also, starting in Jan. and running through March, I filled out and returned by mail to BCBS three paper forms that they had sent to me, acknowledging the end of our coverage by BCBS. One was for me, stating when I was turning 65 and also including my spouse's birthday; and the other two were identical ones for my spouse, stating when she would turn 65 and also including my birthday. After paying many thousands of dollars in premiums over the years, and barely using our insurance, we are dismayed at the extreme difficulty in getting through to to talk to anyone at Blue Cross and their unwillingness to return money they took from us that is not even theirs. I dont know if this is gross incompetence or planned corporate greediness, but I dont plan to stop until I get a resolution.Desired SettlementA refund of the premium overpayment.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.(ARS) Consumer Response This response appears to be a computer generated form response and does not resolve anything. You might pass on to Blue Cross my wife's name, [redacted], whose name was primary on the policy, in case they cant find it under my name. Thanks for your help.

My 1/8/16 payment was not posted correctly; we were not billed correctly. they have not responded to my certified letter which they received 2/16/16. I have always paid my wife's (new id XXXXXXXXX) and my (new id no XXXXXXXXX) bill with one check. For all of 2015 the amount was $946.79$465.83 for wife and $480.96 for myself. the 1/8/16 check sent before we got our bills for 2016 was not posted correctly (in the way it had been for all of 2015). the January bills made no sense. I sent a certified letter which they received 2/16/16. There has been no response, just more bills without explanation there was no breakdown for increased premium.My agent could not help.the phone number on bill disconnected and the other non responsive.Desired SettlementClarification of new premiums and corrected posting of January check and later bills.Business Response Thank you for your inquiry. We have received your request and will be reaching out to the member.Consumer Response we were contacted and the problem has been resolved to our satisfaction. thank you Revdex.com!

BCBSNC PUT ME IN THE WRONG INSURANCE PLAN, WITHOUT MY CONSENT, DISREGARDING MY SUBSIDY THROUGH THE HEALTH MARKETPLACE, THEY HAVE CANCELED MY INS.ALTHOUGH RECEIVING A LETTER FROM THE HMP OF MY SUBSIDY AMOUNT IN DECEMBER 2015, BCBSNC PUT ME IN ONE OF THIER PLAN 1/2016 AND ARE HOLDING ME ACCOUNTABLE FOR A PAYMENT THAT IS OVER 600% HIGHER THAN MY MONTHLY COST. I TRIED CONTACTING THEM VIA INTERNET, PHONE EMAIL TO NO AVAIL. THEY RECEIVED THE SUBSIDY MONEY FROM HEALTH MARKETPLACE AND REFUSED TO COVER MY DOCTOR BILLS AND PRESCRPTIONS EVEN THOUGH I HAVE MADE MY MONTHLY PAYMENTS IN A TIMELY PROCESS. WE HAD A CONFERENECE CALL WITH THE HMP AND THEY COMPETELY BACKED ME UP HAVING PROOF OF DOCUMENTATION THAT I WAS INDEED ENROLLED IN 12/2015 FOR 1/2016 WITH A SUBSIDY. I AM NOW RECEIVING COLLECTION BILLS, HAVE HAD TO PAY FULL PRICE FOR MY PRESCRIPTIONS AND BCBSNC IS TAKING MY PAYMENTS FOR HEALTH AND DENTAL INSURANCE, BUT NOT COVERING ME. THIS IS THE MOST PATHETIC COMPANY I HAVE EVER DEALT WITH BUT THIS IS FRAUD AND I WILL NOT STAND FOR IT. EVERY LETTER I RECEIVE FROM THEM STATES THEY ARE WORKING ON THINGS, ALTHOUGH THEY HAVE CANCELED ME COMPLETELY AGAINST THE WORD OF THE HMP. I WOULD LIKE A FULL REFUND FOR NOT ONLY THE INSURANCE PREMIUM PAYMENTS I HAVE BEEN MAKING BUT ALSO FOR THE OVERPAYMENT ON PRESCRIPTIONS I HAVE BEEN PAYING. THIS WAS COMPLETELY UNFAIR TO ME AS I WAS ENROLLED IN A HMP PLAN THROUGH BCBSNC IN 12/2015 FOR 2016. I HAVE NEVER BEEN ABLE TO GET ANYONE ON THE PHONE, CANNOT EMAIL THEM OR CONTACT THEM THROUGH ANY OTHER METHOD. I WOULD LIKE THEM TO SUPPORT ME AS THEY INITIALLY SAID THEY WOULD AND AT LEAST REFUND MY MONEY AS I HAVE NO INSURANCE COVERAGE, YET HAVE PAID ON TIME SINCE DAY 1. THEY WANT ME TO PAY A $700 BILL FOR MONTH OF DECEMBER WHEN MY MONTHLY PAYMENT WITH SUBSIDY IS $20.08. THIS COMPLAINT IS TRUTHFUL, VALID AND HAS ALL THE DOCUMENTATION TO BACK IT. THANK YOU!Desired SettlementTO COVER MY MEDICAL BILLS AS THEY SHOULD HAVE SINCE JANUARY OF 2016 AND REFUND MY MONEY AS I HAVE PAID OUT OF POCKET SINCE THEN ON PRESCRIPTIONS, HAD NOT COVERAGE FOR FEBRUARY OR APRIL OR SINCE YET CONTINIUED TO MAKE MY MONTHLY PAYMENTS. THIS IS UNFAIR PRACTICE AND FRAUDULENT.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns. Consumer Response Thank you so much for quickly addressing my issues with BCBSNC. Unfortunately they have not responded to my requests, have not communicated with me at all and refuse to accept responsibility for their actions.They are holding me accountable for a VERY LARGE bill for the month of January for a plan which was not the plan I signed up for. I have been in the same plan for the last two years and signed up that exact plan. I paid the amount I owed per the Health Marketplace letter both myself and BCBSNC received dated December 19, 2015 for my 2016 health insurance plan after HMP extended the signing deadline two days due to the number of customers they could not get back to by the deadline. BCBSNC will not cover my January doctor bills, never notified me that I had no insurance coverage due to them cancelling it (which is illegal by the way) even though I continued to pay my premium amount and additionally signed up for a dental plan which I also paid for. I have tried calling them and get put on hold for more than one hour without any response. They do not give the option to email them or communicate in any other method. This is the worst company I have ever had to deal with and they are the only insurance company in NC that works with the HMP.This issue goes listed as unresolved along with the hundreds of others cases. I will proceed with filing a formal complaint with the ** Department of [redacted] Attorney General [redacted] as well as a complaint to [redacted], President and CEO of BCBSNC. I am still receiving bills from Dr. offices which I am not responsible for and I am paying full price for prescriptions due to cancellation of coverage by BCBSNC WITHOUT my notification. It is illegal for an individuals coverage to be terminated in the state of NC without prior notice of at least 90 days. I received NO notification at all. I have been issued (3) different insurance cards since January, none of which are active. At this point I would ask them as my primary insurance provider to pay the doctor bills they are responsible for paying , reconcile their billing on my account for the month of January and completely refund the money I paid to them for cancelling my health coverage without notification yet accepting the money from the government through HMP. I would also ask them to refund my money paid for (3) consecutive months on a dental plan which I have not used because of my health insurance coverage being cancelled without my knowledge. The only reason I signed up for Dental was because I of course thought I had health coverage.This company will also be reported to the fraudulent consumer trade practices, NC division.Back in the month of January, [redacted] admitted that BCBSNC put thousands of customers in the wrong plans due to outdated servers & software and were unable to return any phone calls or provide the correct coverage due to these issues, customer service issues in which he publicly accepted full responsibility. Now I ask them to take full responsibility and resolve this matter by communicating with me regarding my Membership Account, removing the very large bill for January which was actually ($20.08 paid in full by me, pay my (1) doctor bill for Jan and March as they received the money from both myself and HMP GVT funding, refund me for the overage I have paid for premiums in the months I had no coverage but was never notified, refund my money for all prescriptions for a dental plan I have never used.This has been the absolute worst, time consuming experience I have EVER had with any company period! This will not go un-noted or unresolved.Thank you for all your kind assistance in helping me get the word out to other consumers with the same issues they have had with BCBSNC.

Customer service is apparently receiving an increased number of calls in which BCBSNC has responded by an extension of hours which is not an adequate solution for those seeking time sensitive assistance.
After devoting two twelve hour days (9am - 9pm) and going in the same circle is unacceptable. Hold times exceeded one hour and then when I was lucky enough to reach representative they could not help me as individual dental policy holder as they only handled medical insurance and that was handled by different department... TOPAZ dept. There was no direct number they could give me for that department but was promised a connection with no hold time. However, I was placed back on hold only to receive the same response from the next rep I reached. I felt there was deception due to the volume of calls the employees were handling. I even tried going through Sales dept. rep with no hold time but no help offered either.
You need to evaluate your ability to respond to customer concerns in a more effective manner than just adding extra hours which only yields frustration.
An effective customer service call center is essential to any business who expects to retain customers.","neg-8

What a monopoly that BCBS has in this market of NC. I will definitely not recommend any business to this place. I call the office in Fayetteville, NC asking for coverage. The front desk lady talked to me like they do not care about my business. What a service!","neg-9

I have had insurance with Blue Cross Blue shield for years. I just started graduate school this fall at [redacted] and was automatically signed up for insurance with the same carrier(Blue Cross Blue Shield). I have contacted them letting them know I never recieved an email stating the I had to decline the blanket insurance that they provide to all NC college Students. I was not registered for classes until the week befoe school and my classes were doprrod for the first month of school due to an internsl clerical error. Now Blue Cross Blue Shield is telling me I am stuck with the insurance that I never ageed to, being that I am already coverd under my wifes policy. I have contacted Blue Cross Blue Shield as well as [redacted]. The university states that it sent three email to my student account. The first two emails were sent before I had an account and I never saw the alleged third emaill that was sent stating that I needed to waive the insurance as to not have double coverage.
This entire process seems unethical especially since I have coverage already with Blue Cross Blue Shield","neu-1

BCB cancel our policy. I made over $5000 payment and payment is not applied to my policy.We have BCB health insurance policy since 2004. My policy number is [redacted] We made payments every month since 2004. BCB said we missed payment in 2014. BCB decided to cancel my policy in Feb 2016. I sent $1400 check to reinstate policy. I made payment of $866 every month. BCB did not apply this money to my policy. Last October 2015 when I get renewal letter it said my premium will be $766 per month. But they started charging me $866 per month. I do not know why I am paying extra $100 every month. I am getting letter from [redacted] and [redacted] to collect charges. They have given our case to collecting agencies. I would like to file $1 Million dollar charge to BCB for taking my premium and not paying benefit. In mean time [redacted] is diabetic and if any health complication happens due to not getting medical treatment BCB will be completely responsible.Desired SettlementI would like to get $1 Million in compensation from BCB. BCB took my premium and not applying towards my benefit. Also, charging extra $100 per month which is wrong from their letter written in October 2015 to offer insurance for year 2016.Business Response Thank you for the referral. We will reach out to our member and address any questions or concerns.