Many of you in the US (and perhaps other countries as well) may face this same dilemma: Your health insurance company is providing more barriers to care than it is providing the care that you pay for. In my case, I have Blue Cross Blue Shield of North Carolina. I have had an unbelievable number of claims be adjusted as “Out of Network” when the provider is in fact “In Network”. Each explanation of benefits that I receive with the Out of Network judgement causes me to have to call them, and it’s usually a 45 minute to one hour conversation, with many transfers from one person to another. Of course, if the care is judged to be Out of Network, this would leave me on the hook financially for most of the cost.
I am paying around $700 per month for this health insurance, and I can’t tell you how stressful it is to have to constantly be fighting Blue Cross Blue Shield of North Carolina to pay for what they are supposed to pay. This is incredibly triggering, and without a doubt it makes my depression much worse. I am getting to the point that I am afraid to seek the care that I need, because I am anticipating the ensuing fight with the insurance company to cover my care.
The latest issue is lab work. I went to a lab that was on BSBCNC’s website as “In Network”, and I am now being billed for the lab work. On a 45 minute call to Blue Cross Blue Shield of North Carolina, the person I spoke to tried to tell me that the problem was with my doctor who wrote the orders, and that I needed to contact him. THIS MAKES NO SENSE. If the lab work at that lab is In Network, it’s In Network! I am to the point now that I want to hire an attorney to slap a suit on Blue Cross Blue Shield of North Carolina for all the emotional distress they are causing me. What does it take to get the health care that the policy promises???