I got a quote over the phone for health insurance for $185 per month and was told that I had to pay for 2 months in advance- to be charged after I had accepted the policy- even though I had to wait 2 weeks for a physical with their own nurse practitioner. The first thing that happened is that my credit card was charged for that billing period.

I had the exam and waited- 3 more weeks. When I got the bill, it was for $390 per month and it was due in 1.5 weeks. I called and tried to cancel the policy- could not get anywhere with anyone because all that I heard was "I am not the person that you need to talk to." I finally got a responsible person and faxed my paperwork in for the 4th time. FINALLY I got a letter that my cancellation had been accepted and that I would get a check for the refund under separate cover. 3 weeks later and still not check.

Beware!

I have FEDERAL BC/BS: Under MEDCO when they could not fill your prescription, they would call you so that you could make arraignments with your doctor for an alternative, if one was needed.

With Caremark I found out about a problem via a Facebook app that was 3 days old, that my prescription was CANCELLED. Brenda told me the reason that I was not notified was because the issue was between Caremark and the doctor. She also said that they have no pharmacist working on the weekends., so she could not tell me why it was cancelled. I was told to call my doctor to get a short term prescription from my local Pharmacy. I have to travel 15 miles to my local pharmacy. Plus she could not tell me how much temporary medicine I would need. She gave me no clue about how long it would take to resolve the problem. It was none of my business is my guess. Especially since this problem was between them and my doctor.
If one does not have a computer, than I would guess that the patient is at the mercy of Caremarks lack of empathy for peoples health. I wish BCBS would please bring back MEDCO. THEY are the true caring professionals..