BCBS is NOT cheap, but you get what you pay for. I've had individual policies with them for 7+ years (it was cheaper to get an individual plan for me and my son than to get a family plan). They've ALWAYS paid on time, all the doctors and hospitals that are around me accept the plan, and they have contracts with the doctors/hospitals for cheaper rates and if the doctors/hospitals screw up and don't file correctly or on time, the doctors/hospitals cover it, not the patient.
I do volunteer work for a huge consumer center and the horror stories I hear on a daily basis regarding insurance companies boggles my mind. In four years I've had MAYBE 3 complaints about BCBS and they were resolved quickly or were the patient's fault. You wouldn't believe how many people get dings on their credit reports just because the insurance company screwed up. And if you read them, most of the forms you fill out at the doctors/hospitals state that if insurance doesn't pay, then YOU'RE responsible. Period. So these dings are legally on their credit report, even though it was the insurance company's fault.
Health insurance is one thing I never want to be without, and I'd rather pay more, get more, and know that I'll be taken care of
Canadian health care may be free, but here I can call my doctor and schedule a simple check up appointment and be seen in a few days.
