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Blue Cross Blue Shield of Michigan

Company Overview
Over its history, Blue Cross Blue Shield of Michigan (BCBSMI) has provided affordable healthcare to anyone needing it regardless of their individual circumstances. BCBSMI believes health problems should never be a reason to end someone’s coverage. Working with the state, BCBSMI has covered over 32,000 children through the MIChild program. They also provide funding to 30 free clinics throughout Michigan and have devoted more funding to healthcare development for Michigan residents than any other company.

Blue Cross Blue Shield of Michigan Ratings

  • 1.7
    coverage
  • 1.9
    cost
  • 1.1
    service
  • 1.3
    claims
  • 1.5
    overall rating

Based on 10 review – 1 is lowest, 5 is highest

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History
Blue Cross Blue Shield of Michigancan locate its founding all the way back to Baylor University with a plan offering teachers three weeks of hospital care for $6 per year. As the company grew, it began offering coverage to other employee groups in Dallas and later expanded to national coverage. The Blue Shield brand was developed at the start of last century with lumber and mining employers in the Pacific Northwest paying a monthly fee to a designated group of physicians.Blue Shield and the Blue Cross Association merged in 1982 to become the Blue Cross and Blue Shield Association.

In 1938, the Michigan Society for Group Hospitals (MSGH) incorporated and at the same time, the Michigan State Medical Society developed a medical prepayment plan to pay physicians for services rendered. In 1939, the MSGH opened its office in Detroit and later became known as Blue Cross of Michigan.

In 1975, Michigan Blue Cross and Michigan Blue Shield merged into one company, known as Blue Cross and Blue Shield of Michigan. By the mid-nineties, the Blue Care Network was the largest HMO in Michigan with 500,000 subscribers.

Current Organization
Since its founding in 1939, Blue Cross Blue Shield of Michigan has grown to provide residents of Michigan with security and knowledge that they have high-quality healthcare available to them whenever they need it.Blue Cross Blue Shield of Michigan has an excellent variety of benefits and finance plans tailored to the specific needs of its members. By working tirelessly to meet and exceed their level of commitment, they constantly improve the health of the local areas they serve.

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Blue Cross Blue Shield of Michigan

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HORRIBLE

Jan 07, 2015 by Anonymous

Worst automated phone service in the country.


Incompetent Customer Service

Dec 15, 2014 by Anonymous
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Don't know what this companies deal is, every time I get my generic prescription filled I pay a different price. Sometimes $3, sometimes $4 and then it jumps to $10 because they say "that's what my co-pay is" So why didn't I pay $10 before? No one can give me an answer. Makes no sense at all...


Very Costly

Feb 09, 2014 by Anonymous

Currently, I am paying $328 per month through United Health for a family of (4) with a $5K dd with $16,600 OOP max pp. Your cheapest plan for my family of (4) rang in at $659.98 on a BRONZE PLAN.


Misinformation

Nov 14, 2011 by Anonymous
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I went to their website to find a doctor for my wife. Now they refuse to cover her visit and tests even though the website said that the doctor is in-network.


Raised prices

 by Anonymous
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I just finished Cobra and my agent hooked me up with this insurance company. My coverage started, but I decided to cancel soon after. I sent in my cancellation paperwork and went to the bank to stop the automatic payments. This company raised my monthly payment without telling me a thing and took out a pretty good chunk from my checking.


bcbs sucks major

 by Anonymous
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You cannot contact them. I have been trying to call them for a week....just get put on hold every time. We're getting bills from the hospital and docs for my new son, which was covered by BCBS before he was even born, yet they are not paying for some reason. I tried going to the site for contact info, and it doesn't list anything.


Expensive

 by Anonymous
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At the beginning of the year $500 is put into your health account. Once this is used up you begin the "bridge", which means you have to pay out-of-pocket until you have spent $600. Then it switches to 80/20 co-pay. My problem is that with my allergy meds & shots, I use up the $500 by spring and can't afford my meds for the rest of the year. It's hard enough being single and trying to pay my bills without adding the $600 "bridge" in. It's great for people who never go to the doctor or never have prescriptions.


Expensive but with it

 by Anonymous
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PPO--expensive but worth it. I am one of the lucky ones who can afford this coverage (over $700 a month just for me.)


Poor Customer Service

 by Anonymous
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They have horrible customer service and horrible plans. The reps are not helpful whatsoever.


Incompetent!

 by Anonymous
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I have NEVER had to call an insurance company more in my life than I have in the past 4 months. None of the service reps know what they are doing. I'm sure that they hope we just get so frustrated and give up on the problem.


Insurance USA , USA 14.3 127.0 10 10 Worst automated phone service in the country.