Hello!

Semi-new here, just starting my journey and trying to get everything situated as much as possible. I am starting my journey in January after I choose/enroll in my job's insurance in October. I know the basic coverages for each insurance plan they offer, and (thankfully) they all offer bariatric coverage. I am having a hard time deciding on which to go with as I know they all have their own specific criteria. I am not having the best of luck getting further information on specifics from neither my workplace or the insurance companies on any specifics and they are both blaming the other party (my job stating the insurance company will have more info/insurance companies stating they need to know the exact policy from my job to give all the info)... I'm ready to pull my hair out as this seems like a huge decision to make going in blindly.

I was just wondering if anyone has had any of these insurance companies and your general experience -- I know it depends on specific policies but just in terms of ease/customer service/questions answers/timeliness/billing with these insurance companies? I'll take any advice now to help with my decision!

Thank you ☺️

I have a group PPO plan through BCBS of Michigan/my large employer.

Customer service is pretty terrible when I call. They're often not able to answer questions about plan coverage accurately or give conflicting answers. If you have a specific procedure code, they can be more helpful, but it's still not great.

On the other hand, they cover virtually everything at 100% without too much fuss. I'll end up paying a few hundred dollars out of pocket for my surgery and most of that is copays for seeing my $%@^ing dietician. If I have complications, that could go up relatively quick, because there's a significant ER co-pay, but it's all flat rate for in-network providers. And the network is basically every provider.

I don't love them, but if I have to deal with an insurance company, they're probably as good as it gets.