Blue Cross and Blue Shield of Illinois (BCBSIL) is an innovative, responsive and efficient health insurance company that offers a variety of plans. BCBSILis committed to providing a high standard of integrity and ethics in business that fulfills their corporate citizenship responsibilities to the communities that they serve.
Blue Cross and Blue Shield of Illinois has roots that extend as far back as the Great Depression. BCBSIL was created when a collection of business leaders noticed how even minor illnesses that required hospitalization were financially ruining families. These leaders saw the hardship on their neighbors and leapt to remedy it.
In 1936, a non-profit company called Hospital Service Corporation(HSC) was launched. This company offered an affordable pre-paid hospital plan which, at the time was a new concept. The plan quickly became known as “the Chicago Plan” and was one of the forerunners for today’s concepts of health insurance. It quickly caught on in Chicago and the HSC grew quickly to 36,000 members in the first six months. HSC adopted the symbol of Blue Cross in 1939 and then Blue Shield in 1947.
The Blue Cross and Blue Shield plans (for hospital services and physician services respectively) operated independently until 1975, when they merged into the Health Care Service Corporation. By 1982 all of the Blue Cross plans were merged with the Chicago based plan under the name Blue Cross and Blue Shield of Illinois. Other Blue Cross and Blue Shield plans joined the Health Care Service Corporation – Texas in 1998, New Mexico in 2001 and Oklahoma in 2005.
Today, Blue Cross and Blue Shield of Illinois is the most experienced health insurance company in Illinois. BCBSIL provides 6.5 million members with affordable and easy to understand health plans. BCBSIL is a division of Health Care Service Corporation and provides a high level of assurance and confidence for the members.
The Health Care Service Corporation is an independent license holder of the Blue Cross and Blue Shield association. The association on the whole provides health insurance coverage to more than 11.5 million members around the country and offers a wide variety of health insurance plans, life insurance products and related services.
Not worth the money
I used to have great coverage back in 2009, but now I have to pay a $6000 deductables before they cover anything. Not worth it.
Need to Pay Out-Of -Pocket For Lost/Ruined Meds
I do not have a pituitary gland. It was removed due to a tumor. I then had radiation when the tumor started growing back. BCBS knows this because they paid for it. I take a lot of meds due to this chronic condition. I made a mistake simple as that. I long hard day and somehow after I took my nightly injection I placed it in the freezer instead of the fridge. According to BCBS once I receive the meds if anything happens(lost, stolen or ruined), it is my responsibility to replace them at $500.00 dollars. So I have to go almost 2 weeks without meds which will mess me up for close to a month because of their ridiculous rules. Mistakes happen. Also the entire way their system is set up is a rip-off. My plan says that I have a copay of $30.00 for specialty drugs but the vial only lasts 25 days and they make me pay the extra 3 vials per year because of the way the vials are measured. That isn't my fault. My plan has me paying for $30 for a 30 supply. Hours and hours on hold and nothing but the run around and in the end. Go call the insurance commissioner I can give you the number if you like. WOW!
They just want to receive payment. They don't want to take care their claims much. It is a struggle to deal with them.
BCBS of Illinois has treated me well for the last 14+ years! They always pay my claims promptly, even when I get sick.
Poor Customer Service
Each time I call Customer service, I get a different answer to my question. At one point I had to direct the customer service person to their medical policy manual to show her an updated policy that she was not aware of. When denying claims, they do not offer any specific reasons.