THE BC/BS INSURANCE COMPANY RECOMMENDED BC/BS COMPLETE AS THE BEST INSURANCE TO REPLACE THE INSURANCE WE HAD LAST YEAR, 2018. PREMIUM $167.50. BECAUSE ONE OF US HAVE ALWAYS HAD BC/BS AND OUR EXPERIENCES HAVE BEEN POSITIVE IN THE PAST WE TOOK THEIR ADVISE. UNKNOWN TO US WE LOST OUR SEPARATE MEDICARE COVERAGE WITH THIS, THEY CONTROL EVERYTHING. THEY NOW HAVE AN INDEPENDENT COMPANY WHO MAKES ALL THE DECISIONS WHICH ARE MAINLY DENIALS AND REJECTIONS. HE WAS ADMITTED IN FEBRUARY 16TH, DIAGNOSIS SEMPTIS. REFUSED ADDITIONAL CARE IN THE HOSPITAL AND TRANSFERRED TO TRANSITIONAL CARE. REFUSED ADDITIONAL CARE AFTER ABOUT 7 DAYS AND ON MARCH 4TH ENTERED ASSISTED LIVING, PRIVATE PAY. BECAUSE OF CHEST PAIN THE FACILITY ADMITTED HIM TO THE HOSPITAL. WHICH BC/BS REFUSED TO PAY FOR SAYING AMONG OTHER THINGS THAT HIS CONDITION COULD HAVE BEEN TREATED ANOTHER WAY. I PROTESTED ALL OF THEIR DENIALS, BUT OF COURSE MY PROTESTS WERE REJECTED. HE DIED OF HEART FAILURE APRIL 1ST !!! IF YOU CAN, CHANGE YOUR INSURANCE NOW. DO IT !!! I HAVE.