Re: Has anyone had Blue Cross Blue Shield insurance?

[Guest guest]

I also have insurance through my husbands company. It's BCBS and

they have been great. I have Medicare as secondary and I haven't had

any problems with either one. We get our prescriptions through someone

else.

Kathy

> My husband just recently changed jobs and the company currently has

> Great Western annunities or something like that.

>

> I have not used it in the month or so that we have been with them.

> Now they are changing to Blue Cross Blue Shielf of Illnosis.

>

> They are the prescription carrier also. I did have Express Scripts.

>

> I just need to know if anyone has used them and what they were like

> dealing with them and lyme treatments.

>

> Should I be concerned or just go to Mexico for medications?

>

> SANdy

>

[Guest guest]

Sandy--I have BCBS gov. The insuarance payed 75% for my 1g Rocephin

PICC line treatment for 28 days with a preferred provider. They will

not pay with a doctor outside the system. The expense was prohibitive

and that is why the doctor will not agree to doing any more for me as

the insuarance would not pay. His reasons: ONLY 28 days with

Rocephin is sciantifically justified. Good Luck -- Lida

>

> I also have insurance through my husbands company. It's BCBS and

> they have been great. I have Medicare as secondary and I haven't

had

> any problems with either one. We get our prescriptions through

someone

> else.

> Kathy

>

>

> > My husband just recently changed jobs and the company currently

has

> > Great Western annunities or something like that.

> >

> > I have not used it in the month or so that we have been with them.

> > Now they are changing to Blue Cross Blue Shielf of Illnosis.

> >

> > They are the prescription carrier also. I did have Express

Scripts.

> >

> > I just need to know if anyone has used them and what they were

like

> > dealing with them and lyme treatments.

> >

> > Should I be concerned or just go to Mexico for medications?

> >

> > SANdy

> >

>

[Guest guest]

Wow, my BCBS has covered everything so far. I can go to doctors

outside the system, I just have to pay more out of pocket, but they

still cover most of it.

Kathy

> Sandy--I have BCBS gov. The insuarance payed 75% for my 1g

Rocephin

> PICC line treatment for 28 days with a preferred provider. They

will

> not pay with a doctor outside the system. The expense was

prohibitive

> and that is why the doctor will not agree to doing any more for me

as

> the insuarance would not pay. His reasons: ONLY 28 days with

> Rocephin is sciantifically justified. Good Luck -- Lida

>

>

> >

> > I also have insurance through my husbands company. It's BCBS

and

> > they have been great. I have Medicare as secondary and I

haven't

> had

> > any problems with either one. We get our prescriptions through

> someone

> > else.

> > Kathy

> >

> >

> > > My husband just recently changed jobs and the company

currently

> has

> > > Great Western annunities or something like that.

> > >

> > > I have not used it in the month or so that we have been with

them.

> > > Now they are changing to Blue Cross Blue Shielf of Illnosis.

> > >

> > > They are the prescription carrier also. I did have Express

> Scripts.

> > >

> > > I just need to know if anyone has used them and what they were

> like

> > > dealing with them and lyme treatments.

> > >

> > > Should I be concerned or just go to Mexico for medications?

> > >

> > > SANdy

> > >

> >

>

[Guest guest]

Hi Sandy,

Oh, how I wish we still had BCBS! They were great. In fact, my

office visits out of network were actually cheaper than a regular

copay in network. I think they paid 80% of all the tests run through

IGenex Labs. I didn't have to have IV lines, so I don't know about

that.

Good luck!

Dona

[Guest guest]

Dear Sandy,

My experience with Blue Cross/Blues Shield of Massachusetts was fine.

I wish I still had it as my insurer.

My first insurance is Medicare (covers 80%) and I had the Blue Cross Medex

plan, which covered the other 20%, plus prescriptions.

This summer I wasn't able to bring in enough income to keep paying the $500

monthly premiums so they dropped me. Now I have Medicare and

MassHealth(Medicaid). The MassHealth stinks in terms of prescriptions.

Blue Cross nor Medicare denied anything having to do with Lyme treatment.

They also cover almost every test that more progressive doctors were

ordering, like saliva and urine tests for hormones, neurotransmitter tests,

and the like.

Since I've been on Medicaid, I haven't yet had a doctor order any tests

like that, but it's time to start focusing more on my health again and I'm

looking to do more investigating and treating. I'm a little nervous about

what Medicaid will do. But I guess, now that I think about it, that

Medicare might actually cover 100% on the tests. Brain fog!

Unless you're under some sort of HMO system, you can go to any sort of

doctor you choose under Medicare and Blue Cross/BS Medex.

Deanna

> My husband just recently changed jobs and the company currently has

> Great Western annunities or something like that.

>

> I have not used it in the month or so that we have been with them.

> Now they are changing to Blue Cross Blue Shielf of Illnosis.

>

> They are the prescription carrier also. I did have Express Scripts.

>

> I just need to know if anyone has used them and what they were like

> dealing with them and lyme treatments.

>

> Should I be concerned or just go to Mexico for medications?

>

> SANdy

[Guest guest]

Hi Sandy:

Blue Cross/Blue Shield coverages vary widely across employers. It

depends on how much the employer is willing to contribute. Read your

information packet carefully and look for excluded conditions and

medications. I currently have Anthem Blue Cross/Blue Shield with

Great Western Annunities for retirement/deferred compensation. When

I signed on, I made sure that I purchased the " cadillac plan " with

full medical, dental, prescription, and vision coverage. If you have

an option to choose " tiers " of coverage, I would recommend getting

the most coverage you can afford.

Personally, I have had very good luck with BC/BS and my

prescription plan (Medco). All of my meds so far have been covered

and I've had no problem getting approval for scripts. The only

medication not covered at the pharmacy that I've run across are pure

cholestyramine from a compounding pharmacy and Provigil. I was able

to submit the bill for the cholestyramine and get partial

reimbursement. My doc has been able to supply me with samples of

Provigil. Your plan sounds different from mine though, as BC/BS is

your prescription carrier as well. As far as going to mexico for

meds, I personally would try to avoid it, as regulations are more

lax. I would be worried about whether I was really getting what I

ordered. Others may have very different opinions.