Health Insurance Reviews

Health

Insurance

Reviews

Blue Cross and Blue Shield NC Health Insurance Review

Health insurance is important to any family member because the cost of medical care is very expensive. I work for a nursing and rehabilitation center Wilmington North Carolina. This company has several employees so they offer a compensation of partial payment of the policy. The company that carries my policy is Blue Cross and Blue Shield. I chose to cover my two daughters and myself. It is a good policy except it is still costly. This policy cost me 400 per month with the company paying the other 400 each month. I have great coverage on initial doctor visits and prescriptions. A regular doctor visit will cost me $25 and prescriptions cost $10-45 dollars. The prescription cost depends on if it is generic or not.

My insurance policy covered my last surgery with only a small co-payment from me. The surgery cost me $40,000 and I only had to pay a $2000 co-payment. I worked out payments with the hospital so that I did not have to come up with the money all at one time. I have used the policy numerous times to go to doctors’ visits and to hospital. I have seen specialists and the insurance pays well when I need blood work or any other tests ran. As a diabetic, I have several medications and machinery needs that my insurance does cover. In the end, this will save me thousands.

The policy I have will pay my daughters to get their eyes checked one time a year. It does not pay for the glasses or contacts so I have to pay for this out of pocket. As far as dental, the policy did not cover this so I added a dental policy from another company to my payroll deductions. This policy cost me an additional $27 per month. It covers me and my two girls for two cleanings a year and it pays half of the expense of fillings or other dental work. I take my girls in two times a year for their check up and cleaning.

When I initially began searching for health insurance, I looked at individual policies before settling on the policy that my company offers. A sales representative came out to our office and explained the options for policy A and policy B. Policy B was less expensive but did not cover as much of the cost as policy A did. I chose the policy that was a bit more expensive but it covers much more in the end. When searching for policies, I had to think about what I would need coverage for and evaluate the cost I would be responsible for in the end. I do not like paying this much for a policy every month but when I broke it down into monthly premiums versus payments to doctors and prescriptions, I actually have come out on top with my PPO policy from Blue Cross and Blue Shield of North Carolina. Check online, they do have policies that are cheaper.



Insert your Blue Cross Blue Shield review here:

Do you have a review of Blue Cross Blue Shield health insurance that you would like to submit to be published on our website? Please send it to use at This email address is being protected from spambots. You need JavaScript enabled to view it. . Blue Cross Blue Shield health insurance reviews will be posted as they are submitted.

For any questions about Blue Cross Blue Shield insurance, deductibles, co-pay, or any other health insurance related questions, please email us at This email address is being protected from spambots. You need JavaScript enabled to view it. . Or you can call us toll free at 1-877-698-6645 to speak with a health insurance specialist who can answer any questions you may have about Blue Cross Blue Shield or any other question about health insurance.




Scroll Up