General Discussion

After I retired but before I qualified for Medicare, I had Blue Cross/Blue Shield. When my cancer returned the first time, I had severe anemia, with no obvious cause. Because there was blood in my feces, I had both a colonoscopy and endoscopy, but they couldn't find the cause. The doctors wanted to use a camera pill - you swallow it and it takes pictures all the way through your system. BC/BS refused to pay for it. They ended up having to pay for two more week-long hospital stays (including an ambulance ride when I couldn't sit up or stand) and an additional and more extensive endoscopy to finally find the ulcer. I wouldn't wish BC/BS on my worst enemy.

I've never had a claim denied by UHC, even when my cancer returned a third time. Your mileage may vary.