Tonya, I hope you get a chance to read this. I'm an agent in another state and REFUSE to appoint and offer Blue Cross Blue Shield products. I am out in the field every day and have talked to thousands and thousands of people about health care. I know what works and what doesn't from the stories that I hear. When I keep hearing the same name come up over and over and over and over and over and over and over and over and over and over and over and over and over and over and over and over and over again, it could only mean there is a problem with the insurance carrier and it can't be ignored. Almost on a daily basis I hear a story and I can say, "Let me guess, you have BCBS." They are stunned that I know. I hear stories of people being denied because the chemotherapy and/or radiation treatment for their cancer was denied because "it wasn't reasonable and necessary" I've heard of people needing bone marrow and BCBS turning down the claim stating that BCBS doesn't cover "cosmetic" procedures. WHAT? I hear it so often that I KNOW there is a problem. So many times business owners will take the insurance because the rates seem like a better deal. Caveat emptor! ......hello? There is a reason the rates are lower! I've heard way too many horrific stories about BCBS - anyone reading this - TAKE MY WORD!!!!! STAY AWAY FROM THEM!!!!!!