BEWARE: THEIR COVID TEST REIMBURSEMENT APPROACH IS CLEARLY DESIGNED NEVER TO REIMBURSE YOU…read more Overall, BCBSAZ (up in Prescott) has been okay. I've had my issues with them that have caused me to tear my hair out before, but more often than not, they have ranged from okay to very good. But, the reason for my 2* review is their pitiful efforts to save money by making reimbursement for COVID as difficult as possible. Rather than championing the honest member's claims, they are protecting themselves from dishonest people trying to fraud them. I wish they had found some middle ground. I bet that they gathered teams of experts to figure out just how to pay as few reimbursement claims as possible. And, know this: these were not rank-and-file experts ... but the best! No, you don't just submit receipts. No, you don't just get to make a claim at the CVS or Walgreens etc. as you would at a doctor's office or when receiving a covid booster. No, you don't just photograph the UPC symbols of the tests and email it in. NO... NO... NO. Rather, you have to cut out the UPC symbols from each box... paste them to a piece of paper and attach the original register receipt and send it in the mail to them and fill out one of their hard-to-find forms. Should the letter not arrive (as is my case)... basically, you are screwed, and they tell you that you should have certified the letter... or should have hand-delivered it (they didn't actually say that). The point is... they have created a level of calisthenics sufficient to make sure that only some modest fraction of submissions can slip through their defenses such that they actually have to reimburse. Ahhhh... if only we lived in a country where healthcare providers cared about health... or care. Will I buy more tests the next time I have covid? Likely not. Will I know for sure if I have covid? likely not. Will I go about my life if I really have no other choice (can't just sit around for a few weeks? maybe...likely so. Will I spread covid to others? perhaps. I'll try not to. Will BCBSAZ make more money from sicker people? likely yes. That is, after all, what appears to be their business model. Ugh. I am pissed. Time to read the international news and remind myself that I really have nothing to complain about. To conclude: I wish I could have written them a great review. I wish they would not catalyze these antagonistic feelings I am now feeling. If they pull a rabbit out of their hat and reimburse me... I'll either erase this review or update it. Otherwise, if you see this as is... you know they screwed me... twice. pete

I have been dealing with Blue Cross Blue Shield regarding this issue for several months now, and…read morethe experience has been incredibly frustrating. Despite repeatedly providing the documentation requested, the process continues to feel like an endless cycle of new requirements and delays. Most recently, I received a voicemail explaining that the termination letter I submitted could not be accepted because it only listed the policyholder and did not list every member who was covered under the policy. This is especially frustrating because this information could have been clearly communicated from the beginning rather than allowing the issue to drag on for months. At this point, it feels like every time I provide what is requested, another obstacle is placed in front of me. Meanwhile, Blue Cross Blue Shield continues to refuse to resolve the issue and pay what is owed. The lack of communication, efficiency, and accountability has been extremely disappointing. Insurance is something people pay for specifically so they can have support when they need it. Instead, this experience has caused unnecessary stress, wasted time, and an enormous amount of frustration. I would strongly encourage anyone considering Blue Cross Blue Shield to do their research and carefully consider their experience with this company before choosing them. After dealing with this for months, I can confidently say that Blue Cross Blue Shield has provided some of the worst customer service and claims assistance I have experienced. I sincerely hope this matter is finally resolved instead of continuing to be passed around and delayed.

My son moved from CA to AZ. and needed to change his health insurance. We contacted AZ Health…read moreInsurance Brokers and were connected with Tayler Busack. She was excellent to work with. He was eligible for a marketplace plan and Tayler explained the marketplace policies available in his area. She provided us with quotes and reviewed the options to consider before choosing a plan. When he selected a plan, she handled his marketplace enrollment. Tayler was very knowledgeable and responded timely to calls and emails. I would recommend her to others who need guidance with AZ health insurance options.

I really enjoyed working with Ethan. He was very professional and courteous. He took the time to go…read moreover all my options and explain things to me that I didn't understand. I would highly recommend him and AZ health insurance brokers.

We worked with Eric Harris, and as always, he made everything super simple and convenient. Thank…read moreyou for your valued and excellent service Eric!

Chris Thomas helped me secure a 2024 Georgia marketplace health plan for myself, my wife, and a…read moreson. He also helped another older son get health care in California. Chris was very informative, very patient, and very effective in finding plans that worked for us all. We are grateful for the time and energy Chris put into the process. Could not ask for a better experience. Thanks.

They don't return phone calls. I have tried multiple times which is disappointing since they were…read morerecommended by a friend

Franki was so very helpful during the open enrollment period for medicare. With her guidance I…read morewas able to chose a new Medicare Advantage plan. She completed all the necessary paperwork and guided me through the process.

Franki is AWESOME!!! Between my supplemental and drug…read morecoverage, she saved me over $100 a month. I'm so glad I found her!

Clients Choice Insurance Services tc@myagentccis.com…read more6022951313 Antoinette Chavez was wonderful. She helped me with the Medicare changes and secured new insurance for me and saved me money! She was helpful, knowledgeable and best of all responsive to my questions. I highly recommend all her services.

Toni is caring, thorough, and professional. I've been working with her since 2020 and I appreciate…read moreher attention to detail and ability to provide sound and bite-size information about insurance. You won't be disappointed!

Excellent customer service fabulous at her job gets back to you right when you text her or email I…read morewill recommend her to everybody

Daisy Nadolski's name came up frequently on a retiree page as many of us searched for medical…read morehealth insurance. While researching brokers, I came to the conclusion that I would need to rely on word of mouth recommendations, and finally narrowed my list down to 2. Based on her reviews and accolades, I chose Ms Nadolski in AZ over a local agent in my state of FL. It ended up being one of the smartest decisions I've ever made. Ms Daisy is a true professional and a proven expert in all areas of health insurance. Her communication with clients is commendable. Within minutes of texting her, I received a response to my first inquiry. An appointment was set up, and I was a bit nervous as I was embarrassed how naive I was. All that worrying for nothing. Ms Daisy was as personable as can be, so patient with my never ending questions. After discussing my needs, she later came up with plans on different levels for me to consider. She helped me choose a 2023 plan and once again, she was there for me for 2024. There are not enough positive adjectives to describe what I think of Ms Daisy Nadolski. She surpassed all expectations I had. Ms Daisy is a good listener with a remarkable memory, and has her clients best interest in mind. I quickly discovered her sincerity and desire to help is genuine, all kinds of good about her. Shopping for any kind of insurance is overwhelming, frustrating, and time consuming. That's where having a legitimate knowledgeable health insurance agent will be worth all the headaches you'd have trying to figure it out on your own. I was ready to pull my hair out until Ms Daisy came to my rescue. Remember the name Daisy Nadolski when looking for health insurance. You'll be glad you did!

One star is extremely generous for these heartless, lying uncaring miserable excuses for humans…read more My 95 year old mother who had polio, cant walk, has non-hodgkins lymphoma has spent $10,000 for an attorney 7 months ago. My father was alive then but has died before they got approved. I was able to get the Governors office to help get my mother approved medically but its been 4 months now trying to get her approved financially. They fussed over a pension of !03.00. She has spent her money to get care and cannot get approved. It is now so much worse after Trump/DOGE wreaked havoc and cut the staff and funding. Now there is just a bunch of heartless cretins working there. This country is f*cking barbaric. My father was a WW2 vet and they treated him like dirt under their feet.

I've never dealt with a more cold hearted, calculating, life sucking, uncaring company in my life…read more The hoops they make you jump through to even get a scrap of aid. The interviews and tests they perform only to deny you and to make you start over again. My poor mother literally couldn't walk. I would stay away from these garbage human beings if I were you.

Scott Kerby is a very professional and caring representative for the Medicare Guidance Center in…read moreMesa. For the past 15 plus years Scott has guided my mother through the annual enrollment process for Medicare and has always made sure she finds the best plans for her needs. My mother's health has declined over the past couple years and Scott is now assisting me in making the right Medicare choices for my mom. As I am new to this whole process, he has helped me and answered my questions patiently and thoroughly. I recommend Scott Kerby's service with all my heart. He is knowledgeable , professional and puts the human and caring element into his profession . Thank you, Scott.

I would like to correct my last review we had a mixup on communications but, scott was here today…read moreand he was very helpful on getting our medicare moving forward. I would recommend scot Thank you mary and dave kelly

Polly has been very efficient and detail-oriented. She listens to her customer's needs then pull up…read morethe best suitable plans for her customer to compare and choose from. She's got great experiences and can help you have all your questions answered with the greatest satisfaction. She's patient and honest. She doesn't try to persuade you to buy a more expensive plan but to recommend you the plan that you really need. After all, she just explains and recommends all the plans according to your needs and you make the call. She's a nice person and it's been a very pleasant experience.

Polly Chan is knowledgeable, honest, and truly puts her clients first. Thanks to her guidance, my…read moredaughter's family now have coverage they understand and trust. I would confidently recommend Polly to anyone needing health insurance.