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Blue Cross Blue Shield of S.C., pre -existing condition exclusion??!!!?

On January 1 2012 my employer will change medical insurance from Blue Cross Blue Shield of N.C. to Blue Cross of S.C. Today I receive a letter stating I am to be excluded from any diabetes treatment (doctors appointments, medical supplies, eye specialist appointments tests etc) until January 1 2013. I have been with my employer's insurance for over seven years and changed insurances (Medcost to Blue Cross N.C.) before and there was no problem. So anyone know why, since we are still with the same company only simply changing from N.C. to S.C. I am now to serve an exclusion period.again, as I did when I first joined the company?. I tried to call Blue Cross, of course there was no one available but to call back on Monday. You can bet I will be talking to my company and Blue Cross on Monday but would like a few metaphoric bullets to fire. If the exclusion stays I fear I will no longer be able to afford test strips, A1C tests, and treatment for an potentially serious eye condition for the next twelve months, To add insult to injury our employee contributions for health are to go up because this is a 'better' insurance we were told. And isn't in the insurance companies best interests to cover me?, because managing diabetes without a physician's care, no tests, no eye care etc makes it more likely for things to go bad and all the expense caused through fixing any such problems. Trust, Value, Choices is their motto, right now I don't trust them, they are not giving value and they are leaving no choices!!

Public Comments

1. I feel for you. In your situation it's like not having any insurance at all. This is when the Republican "idea" of being able to buy into your own insurance company might have been a good solution. To bad it got tossed out with no further consideration for how it might have worked. I have a similar situation with my epilepsy medication. The Obama care package is a joke for my situation. How Insurance companies get away with denying medical care coverage for a serious health issue is beyond me and unethical. Talk about increasing costs! How do they expect to save money when the only option is to end up in the hospital, or dead (which could happen to me and/or anyone around me if I wasn't able to afford my meds and had to drive. Of course I'm not going to do that, but I'm wondering how my children and I are going to be able to get around... I can't afford the medication or a taxi. It's another example of the "Me-Me" generation/time period where those who are in charge don't care because it doesn't affect them. I wish you well and will say prayers for you and others like us.