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Reply to "Want to drop firm's BCBS for independent BCBS policy...am I missing something?"
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[quote=Anonymous]I did the same thing- thought I was saving a bunch on a comparable plan. Then my husband got sick and needed chemotherapy, and it turned out BCBS had buried in the plan yearly and lifetime maximums for drugs that was ridiculously small, and much much lower than the big-print maximums for general coverage. They ruled that the chemotherapy was considered a drug and refused to pay for it. We were screwed, and ended up having to have my husband quit his job and be declared indigent so he could qualify for medicaid to get treated. It's a nightmare- you are much better off with a group plan, and a group administrator to fight for you when something goes wrong. [/quote]
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