Blue Cross & Blue Shield of Minnesota

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me

Initial Business Response / [redacted] (1000, 8, 2016/03/03) */ ***corresponding document attached Suscriber: [redacted] Case # [redacted] Dear Ms [redacted] : I am writing in regard to the inquiry Blue Cross and Blue Shield of Minnesota (BCBSM)received from you for the inquiry listed above Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] , without a signed Authorization for Release of Information FormAt this time we have not received an ARI from the above-mentioned Blue Cross of Minnesota Member Sincerely, consumer Service Center Enclosure(s) lrg Initial Consumer Rebuttal / [redacted] (3000, 10, 2016/03/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) They have not addressed the complaint or contacted me directly to address the complaintIf they require some type of release of privacy notice from me, they should have contacted me Again, this speaks for BC/BS of Minnesota's total disregard for their policy holders

Initial Business Response / [redacted] (1000, 16, 2015/11/24) */ Regarding: [redacted] Case Number: [redacted] Dear Ms [redacted] : I am writing in response to your letter regarding the above-mentioned Blue Cross Blue Shield of Minnesota memberThank you for forwarding these concerns presented to you by [redacted] Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] request, without a signed Authorization for Release of Information formAt this time we have not received an ARI from the above-mentioned Blue Cross of Minnesota member I trust this information has been of assistanceShould you have additional questions or concerns regarding this matter, please feel free to contact customer service at the phone number on the back of the member's Identification card

Initial Business Response / [redacted] (1000, 8, 2015/09/11) */ Regarding: [redacted] Case Number: [redacted] Dear Ms [redacted] : I am writing in response to your letter regarding the above-mentioned Blue Cross Blue Shield of Minnesota memberThank you for forwarding these concerns presented to you by [redacted] Due to confidentiality laws, we are unable to provide you specific information regarding Mr [redacted] 's request, without a signed Authorization for Release of Information formAt this time we have not received an ARI from the above-mentioned Blue Cross of Minnesota member I trust this information has been of assistanceShould you have additional questions or concerns regarding this matter, please feel free to contact customer service at the phone number on the back of the member's Identification card Sincerely, Consumer Service Center Initial Consumer Rebuttal / [redacted] (3000, 14, 2016/01/07) */ BCBSMN's failure to provide accurate provider info resulted in me choosing wrong healthcare plan I previously filed a complaint with the Revdex.com (# [redacted] )As I attempted to resolve the issue with BCBS and the state, the file expiredI would like to reopen this complaint since I have not yet received satisfactory resolution In late 2014, when I was reviewing health insurance options, one critical need was in-network coverage for the therapist I have been working with for the past couple of years (Kelly [redacted] at [redacted] in Saint Paul)Based on a search of the BCBS website, I determined that she was covered by the Allina Health Network, and so I chose that networkThe premium was higher than I wanted, but I anticipated a high level of coverage and quality of service As a person does, I didn't review claims and billings too closelyIn March, I logged in to the BCBS MN web site and found that none of my visits had been covered as "in-network"What I learned is that Kelly [redacted] was NOT, in fact, part of the Allina Health Network I contacted BCBS of MN and after a few weeks, they covered the cost of my previous visitsHowever, they refused to cover additional services at the in-network rate until Ms [redacted] was accepted into the Allina Health NetworkShe applied to be in the network, and after several weeks of waiting, was deniedShe filed an appeal, and is still waiting for a decision as of late August During the interim, I opted to not continue therapy with Ms [redacted] because of the costI expected that she would be accepted into the Allina Health Network and that foregoing therapy for a couple of months, while not ideal, was the best of several poor alternativesDiscontinuing therapy has resulted in my depressive symptoms being harder to manage, such that my quality of life over the past several months has deterioratedI am now in the process of finding a new provider, and will begin the slow process of developing a relationship with a new therapist In the meantime, I have been paying a high premium for an insurance plan that does not provide the level of coverage that I expected to receiveIn addition, I am unable to change to a new plan through MnSure for the remainder of the year due to rules about open enrollment and eligibility issues surrounding the circumstances under which insurance is discontinued(At least, this is my understandingI find health insurance to be needlessly complicated, to the point that I do not believe patient well-being is a priority for the insurance industry.) Throughout this process, BCBS of MN has provided low quality customer service When I initially searched to find out if my therapist was in the Allina Health Network, their website provided inaccurate information, which resulted in me making the wrong selection for health insurance When I discovered the problem, it took several weeks for them to resolve it, and I only learned of the resolution by contacting the office - they did not contact me to notify me of the decision They refused to allow for additional visits unless Ms [redacted] was in the Allina Health Network, and then denied her membership in that networkThey have been extremely slow in dealing with her appeal of that decision It is unfortunate (to say the least) that the quality of service provided by Blue Cross and Blue Shield of Minnesota has played a pivotal role in a months-long decline in my mental healthSince there is no feasible means for them to rectify the problems that have resulted from their poor service, I am seeking financial restitution At this point, BCBSMN has continued to deny my request, and I have made no headway through governmental channels, although I have a pending complaint to the Department of Commerce I have submitted an authorization for BCBSMN to release information to Revdex.com regarding this issue, and am willing to provide copies of correspondence if neededIn their system, the reference number for this complaint is I am requesting a refund of all premiums paid from April to December of At $per month, this comes to $2, ***copied and pasted from 2nd complaint filed, extension of this originalTransferred data and re-opened this one, closed the duplicate Final Business Response / [redacted] (4000, 22, 2016/02/04) */ Dear Mr [redacted] : I am writing in regard to the inquiry Blue Cross and Blue Shield of Minnesota (BCBSM) received from Revdex.com of Minnesota and Dakota for the issue listed above Due to confidentiality laws, we are unable to provide you specific information regarding Revdex.com Inquiries, without a signed Authorization for Release of Information formAt this time we have not received an ARI from the above-mentioned Blue Cross of Minnesota member Sincerely, Consumer Service Center Enclosure(s) Cc: Revdex.com of Minnesota and Dakota Final Consumer Response / [redacted] (3000, 24, 2016/02/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) BCBSMN has taken no accountability for the impacts of their actionsAt EVERYSINGLEPOINTthey have illustrated that they have no respect for me as a customer or as a human beingEvery correspondence I have had with them on this matter has further cemented my negative opinion of the organization Based on my experience, I no longer anticipate a satisfactory resolution to this issueIn fact, at this point, my original requested resolution is no longer acceptable to meThis issue has been going on for nearly a year, and I am now at the point where there is literally no action they could take that I would consider "satisfactory"They as an organization have continually refused to hold themselves to any reasonable ethical standard

Good afternoon.Attached is our response to Mr [redacted] 's complaint I apologize for the delayLori ***Senior Business AnalystBlue Cross and Blue Shield of Minnesota

Complaint ID # [redacted] I am responding to the inquiry Blue Cross and Blue Shield of Minnesota received from you for the member listed aboveWe are reaching out directly to [redacted] to address their concernsThey will be provided a contact and their direct phone number should they have additional questions regarding this issueWe apologized for any inconvenience this caused them.Please know we take our members' concerns seriouslyWe encourage our members to work directly with us to resolve any concernsM embers can reach us via the Customer Service phone number on the back of their ID card.Sincerely, Customer Service Center

Blue Cross has contacted me and says they will process my refund as soon as a minor clarification on dates is provided Should they follow through, which I have no reason to doubt now, this will be a wonderful resolution - although there was a lot of time and hassle to get here

I am rejecting this response because: I have received a voicemail from BCBS last Friday indicating that they are investigating the complaintI called back Monday and left a voicemail with some more specifics In the meantime, HealthEast has sent my bill to collectionsIs there any advice you have on this? Thanks, [redacted]

Regarding ID # [redacted] Dear Ms [redacted] :I am writing in regard to the inquiry Blue Cross and Blue Shield of Minnesota (BCBSM) received from you for the issue listed above.Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] ***, without a signed Authorization for Release of Information form At this time we have not received an ARI from the above-mentioned Blue Cross of Minnesota Member.Sincerely,Consumer Service CenterEnclosure(s)lrg

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to mePer a phone conversation with Charity, this complaint was resolved by Blue Cross Blue Shield of Minnesota

You recently contacted the Revdex.com (Revdex.com) concerning your experience with Blue Cross Blue Shield of Minnesota (BCSMN)Your complaint was provided to Prime Therapeutics LLC’s mail order pharmacy In your complaint, you expressed your concerns regarding billing you have received for your insurance premiums for you and your family We understand your concerns about your insurance billingPrime is the Pharmacy Benefits Manager (PBM) for BCBSMNWe are your prescription drug programs administratorWe are able to address concerns only with regard to your pharmacy benefits Any questions regarding billing or insurance cost are handled through BCBSMNPlease contact BCBSMN directly to assist you with your concernsBCBSMN can be reached at ###-###-#### or you may refer to the information on the back of your insurance card If you have further questions or concerns, please call Prime ###-###-####Our member services are available hours a day days a week

I am rejecting this response because: This statement might technically be true: "Blue Cross accommodated the requests to change the coverage effective dateAs each request was processed and completed, a new bill was generated affecting the premium due at that time." However it entirely ignores the fifteen complaints I had delineated on 3/19, the four additional complaints noted on 4/11, another additional complaint noted on 4/17, the varied and changing lies they told me about why they couldn't give me a discount, and the continued poor customer service over the course of the yearHonestly I can't keep track of itThey have treated me with disrespect at every turn and the only positive thing I can say about them is that they were able to correct their own errors and provide a corrected bill, but that was only under duress of my excessive persistence, complaints, escalations, the involving the Revdex.com, the Attorney General, and multiple state representativesIt should not be this difficult to receive and pay a bill, and I reject the idea that my reward for helping them correct their problematic bureaucracy is that I get to pay my premium in fullIn addition, I remain of the belief that they owe me a total of $for the duplicate charges for my children for March, April, and MayI have communicated this to them in a letter dated 8/I believe they are guilty of fraud in this situation until they correct it.Not to mention the way they screwed MinuteClinic out of a payment through their incompetence: They paid the bill, then incorrectly changed the policy and rolled the payment back, and when I had them correct the policy back, they informed me they no longer needed to pay it because it was more than days past the initial serviceDisgraceful

Initial Business Response / [redacted] (1000, 8, 2015/11/02) */ Regarding: [redacted] Case Number: [redacted] Dear [redacted] : I am writing in response to your letter regarding the above-mentioned Blue Cross Blue Shield of Minnesota memberThank you for forwarding these concerns presented to you by [redacted] Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] 's request, without a signed Authorization for Release of Information formAt this time we have not received an ARI from the above-mentioned Blue Cross of Minnesota member I trust this information has been of assistanceShould you have additional questions or concerns regarding this matter, please feel free to contact customer service at the phone number on the back of the member's Identification card Sincerely, Consumer Service Center Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/11/12) */

Regarding: [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am writing in regard to the inquiry Blue Cross and Blue Shield of Minnesota (BCBSM) received from you for the concern listed above Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] , without a signed Authorization for Disclosure of Health Information (ADHI) form At this time, we do not have an ADHI form on file allowing us to share specific information with you regarding this case An ADHI form has been enclosed Please know we take our members’ concerns seriously We encourage our members to work directly with us to resolve any concernsMembers can reach us via the Customer Service phone number on the back of their ID card Sincerely, Consumer Service Center Enclosure JHS

[redacted] I am writing in response to your letter regarding the above-mentioned Blue Cross Blue Shield of Minnesota memberthank you for forwarding these concerns presented to you by [redacted] Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] 's request, without a signed Authorization for Release of Information formAt this time we have not received an ARI from the above-mentioned blue Cross of Minnesota member I trust this information has been of assistanceShould you have additional questions or concerns regarding this matter, please feel free to contact customer service at the phone number on the back of the member's Identification card Sincerely, Consumer Service Center (BCBSDar.pdf)

January 12, Revdex.com OF MINNESOTA AND NORTH DAKOTA Regarding: Ms [redacted] Complaint ID #: [redacted] Dear MsMoore: I am responding to the inquiry Blue Cross and Blue Shield of Minnesota received from you for the member listed aboveWe are reaching out directly to Ms [redacted] to address her concernsShe will be provided a contact and their direct phone number should she have additional questions regarding this issueWe apologized for any inconvenience this caused herPlease know we take our members' concerns seriouslyWe encourage our members to work directly with us to resolve any concernsMembers can reach us via the Customer Service phone number on the back of their ID cardSincerely, Consumer Service Center

Ms [redacted] ,Please find our response to MrN [redacted] Revdex.com complaint attachedPlease don't hesitate to reach out if you have any additional questions and/or concernsThank you,Brandon ***

September 14, Revdex.com OF MINNESOTA AND NORTH DAKOTA ATTENTION: [redacted] S RIVER RIDGE CIR BURNSVILLE MN Regarding: [redacted] Complaint ID #: [redacted] Dear Ms [redacted] : I am writing in regard to the inquiry Blue Cross and Blue Shield of Minnesota (BCBSM) received from you for the concern listed above Due to confidentiality laws, we are unable to provide you specific information regarding [redacted] , without a signed Authorization for Disclosure of Health Information (ADHI) form At this time, we do not have an ADHI form on file allowing us to share specific information with you regarding this case An ADHI form has been enclosed Please know we take our members’ concerns seriously We encourage our members to work directly with us to resolve any concernsMembers can reach us via the Customer Service phone number on the back of their ID card Sincerely, Consumer Service Center

Initial Business Response / [redacted] (1000, 8, 2015/12/21) */ Initial Consumer Rebuttal / [redacted] (2000, 10, 2016/01/04) */

Initial Business Response / [redacted] (1000, 13, 2015/12/23) */