As a long-time (over thirty years) customer of Blue Cross, I was always very satisfied with their service. In my retirement years, I purchased a better plan last year that worked better when I was traveling around the country. We ending up purchasing a new home out of state, and received a letter shortly thereafter from Blue Cross informing us our insurance was going to be cut off within a short time since we were officially living in a different state. We contacted them immediately, got an agreement in writing to keep us covered for a couple of months. We scrambled around and signed up with Blue Cross in our new state, effective the day our current policy ended at the end of July. We received another letter about June 20th (dated June 5th) informing us our insurance was now cutting us off on the last day of June. So much for that letter in writing extending us through the end of July. We scrambled around, and were very fortunate our doctors here in RI changed our appointments we had already had scheduled for July and saw us in June. We split our time between RI and SC, where we have owned property for over twenty years, but our doctors are all in RI. Blue cross is different in every state, and they are not affiliated with each other. We never knew this. We waited on hold way too long calling Blue Cross trying to work on this problem. They wanted to cancel out our new policy down south, and re-apply all over again with a new starting date. It was a nightmare. I would strongly suggest if you are splitting your time and going south for the winter, do your research on your own--Blue Cross will not be much help. Accept anything in writing they give you with a grain of salt. You are only a dollar sign to them. Customer service is not what it used to be.. read more