My primary care Dr is out of network. My surgeon is in network. I just got coverage with FLBLUE. Insurance wants me to get another letter of referral to my surgeon whom I have already seen. Because my primary Dr is out of network FLBLUE will not accept letter of referral. I have to switch Dr's even though I have seen my primary Dr for 15 years. The wait to see new Dr is 2 months. Ridiculous. All my records need to be transferred and I have to answer a lot of stupid questions. This policy is ridiculous. My primary Dr is accredited the insurance should accept it.

Awful. High premium just to have needed meds denied.

I pay over $12,000 annually and Blue Cross Blue Shield of Florida (aka Florida Blue) provides very minimal benefits and lots of hassle for that cost. While Blue Cross / Blue Shield is generally a very good company, few know that this is just a brand licensee and the Blue Cross / Blue Shield in all states are independent licensed companies. I had great experience with Blue Cross / Blue Shield in other states - BUT in Florida, STAY AWAY from this terrible company. They will not even approve my standard recurring prescriptions for common health conditions. Stuff that was covered by Blue Cross / Blue Shield in other state(s) is rejected by Florida Blue. STAY AWAY FROM FLORIDA BLUE!

The absolute worst Customer Service. They changed our PCP without permission and then not only refused to reinstate it, they blamed me! The Customer Service representatives will not solve the issue and not take the responsibility . This was a VERY SIMPLE issue. They changed the insurance early so that the Doctors from 2022 would not be eligible in 2023. Our appointment is in Dec. 2022....they said our coverage for which we paid through the end of the year, was no longer valid. They said its because the current doctor we have is not going to be accepting the BCBS insurance in 2023 (gee....I wonder why....) . When I informed the representative that they changed the doctor eligibility list a month early, they said, yes, but your doctors not eligible in 2023. I restated the appointment is in December....the response....you guess it, 'your doctor is not eligible in 2023.' .... I swear its like talking to a child. It also is nearly impossible to get through to a person. I had to give my member number over ten times ,had to get hippo authorization for my wife every new representative and I am positive that the call center is over seas and their English is not very good. My advice, look elsewhere. The rates may seem good , but your sanity will be gone after a day of dealing with these incompetent customer service representatives. I am not making these numbers up: Number of calls 17, time spent on phone in total : 2hr:15m, 3hr20min , 45 min. . You can ask till you are blue in the faced they won't put a supervisor on. Two of the reps also hung up on me while leaving me on hold for periods of time.....At this point I am considering filing suit with the Florida medical board as the incompetency is so bad, it took me a full day when I was trying to work from home. I highly recommend looking elsewhere.

Great experience