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Health Insurance reviews in Washington DC

Real People ~ Real Reviews ~ Real Results

  • I had that before I retired and I kept it after retirement. It works for me. I'm happy with what I have. It was expensive but I feel like when I need to go to the doctor, I can just pick up the phone. Somebody doesn't have to recommend I do something. I can just call and make an appointment. So, I like that. You pay a co-pay fee but it's not humongous or anything. They need better telephone service when you call people and stuff. But that is not necessarily the provider's fault. That might be the hospital's fault. I had an incident last week when my husband had an appointment. When the lady called, she said one doctor's name. But it wasn't his last name, it was his first name. He already had another doctor with that last name. So I had to call to straighten it out. I was like, "Why would you call and give a doctor's first name?" So, I had to call to straighten it out. When I called, they put me on hold. It's expensive but it's worth it. They send you e-mails and they send you reminders. I have a nurse that calls me all the time asking me how I'm doing. Even though it could be annoying, they pay attention. When it was time for me to do my taxes, I just have to call them and say, "Okay, what did I spend?" So, I don't have to keep up with every little receipt. They know exactly how much I spent for doctors, for a co-pay and what I spent for pharmacy and even hospital stuff. So that made it really easy doing the taxes. They're pretty responsive. The person that answers the phone will work it out for you. Their coverage is pretty good. You do have to pay when you see a specialist. But it is still that small fee.
    - Laverne M.
  • Overall, a good company. Responsive customer service and decent coverage. In order to have an affordable monthly payment, my deductables are high, but this is common industry-wide. Once I submit a claim for a doctor's visit that I've already paid for, the reimbursement is about 3-4 weeks. That's a bit long--one week would be more desireable. It is helpful to use their website to track your statements and the reimbursement process. For example, I always know they have received the bills I've submitted for reimbursement, which is helpful. Because they have to be mailed in, without the website, you would have to call and make sure they got your letter given the length of the reimbursement process.
    - Thea B.
  • Overall, I don't have a lot of providers to compare it to, but am generally happy and not considering switching. At times, I get frustrated by the treatments they consider "outpatient procedures" even though they are minor and take place in a regular dr. office and involve no surgery like procedure... and by classifying that way, my dr. appointment shoots up from a regular copay to a huge copay... But otherwise, I haven't had too many problems with billing, and I have never encountered a dr. office in DC that didn't accept them.
    - Elizabeth B.
  • I have used the Federal Employee Blue Cross and Blue Shield plan for 20 years. Although no insurance company is perfect and all are expensive, I am satisfied with them. I "left" them for two years to try another plan, and was very unhappy. Although my bi-weekly payments were a lot cheaper, my out-of-pocket expenses were super high. Now that BCand BS is automate and you can obtain EOBs online (actually you can do most everything now on their website) I'm much happier not having to make telephone calls to them (everyone knows what a nightmare it is trying to get a "live" person while waiting on hold forever). Yes, the bi-weekly is expensive, but I'm grateful for the coverage they provide.
    - Patricia F.
  • For the most part I can't complain about CareFirst -- they deal with the vast majority of my healthcare providers directly and appear to pay claims promptly and relatively fairly. Unfortunately I do have some illnesses that require frequent medical care and CareFirst's PPO plan is working for me.
    My consistent complaint with CareFirst is that for one of my providers who doesn't accept any insurance I have to submit claims myself to CareFirst; there were times last year and the year before that when they consistently mishandled claims and/or under-reimbursed me, thereby requiring multiple phone calls and lots of time on hold with customer service. I'm happy to report that in 2013 they seem to have streamlined their claims reimbursement policies and I haven't had those kinds of problems this year. When I submit claims myself it does take longer than one would think necessary to be reimbursed for them, but at least they're reimbursing consistently and within about a month of claims submission.
    I think when it comes to health insurance you get what you pay for -- so I will continue to shell out for the PPO because it's working for me.
    - Meredith B.
  • I have had BCBS through my job with the federal government for over 10 years. It is a POS program, so it tends to be on the more expensive side. Generally it's fine, but it doesn't have a lot of PCP doctors or mental health professionals in network. I don't think this is a problem confined to BCBS. I think like a lot of health insurance plans, it's reimbursement rate for internists and others is so low that a lot of doctors don't want to participate.
    - Karen J.
  • I have been very pleased with the ease of getting an appointment in under a week and also have found the doctors to spend time explaining and talking with their patients. My experience with Kaiser has been so much better than my old fee for service plan. I feel more involved in my healthcare with Kaiser than I ever did before and find getting service to be much more seamless as all the doctors have access to your medical records and can communicate easily. This is how health care should be.
    - Joseph P.
  • Interaction with Carefirst agents was usually informative and productive. I was fortunate to have great benefits through the organization with which I worked. Communication was easy and responsive, generally resulting in swift resolution.
    - carolyn r.
  • Prices are rising as they are throughout the reason, but their expansive network makes the premium increases tolerable. I've never had a problem finding qualified providers that are in-network.

    The amount of communication s just right. I'm nt flooded with useless email.
    - Andrew M.
  • They are terrific. My dog had surgery and they paid for the whole thing. It was a $4800 surgery and they paid me $4200. When I first had a dog I did not have any plans to have pet insurance, but when I got a new dog I said I am getting an insurance policy. I think that within this year he has had two surgeries. Their policy is like $375 per year, they basically take monthly payments. So I would really like to give them high marks. I do not have to deal with anyone on the phone I do it online. I would recommend others to use them because they do what they say. I was expecting that they would pay 30%-40% or something like that, but they paid 90% of the bill and that was awesome.
    - Dennis S.
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Health Insurance Providers in Washington DC

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