Anthem Blue Cross Blue Shield of Kentucky

As a young person with a significant health history, I can't be without health insurance at any point in time. I am not married, so my health insurance coverage includes only myself. To change insurance companies would be worrisome as I both enjoy my current coverage and I would be terrified to fall victim to a pre-existing illness clause at any other insurance company. I live in Kentucky and as such, I subscribe to Blue Cross Blue Shield of Kentucky. My plan benefits include a low yearly deductible and amazing prescription coverage. Visits to any physician, inpatient and outpatient medical procedures, and all laboratory and radiology services are covered at 90 percent. They've even assigned a Nurse Liaison who contacts me frequently to follow my health condition and offer suggestions for services.
Although the plan that I purchased is simply amazing, I'd love to have the opportunity to have some additional benefits. The cost of prescription medication is outrageous for some certain types of medications. I am prescribed a medication that falls into this category. Unfortunately, for some reason beyond my ability to understand, the generic options for this medication do not serve their purpose to the degree that the name brand medication does. Although I am paying considerably less for this medication than persons without health insurance coverage, the cost is a burden from time to time. Considering that the same medication is prescribed to persons living in countries covered under universal health care programs at absolutely no cost, I feel that the bias for my having to pay greater rates based on my geographic location is a bit absurd.

Overall, though, I am a satisfied customer of my health insurance plan that I have purchased, versus the others that are available from numerous other companies. In July 2010 I fell victim to several cardiac complications and was required to undergo both a cardiac ablation and a pacemaker/defibrillator placement within five days of one another. The cardiac ablation resulted in a bleeding complication and further care. The pacemaker/defibrillator placement required a repeat placement on the sixth day as the lead wires weren't long enough. The Anthem Blue Cross/Blue Shield Nurse Liaison assigned to my case spoke with me daily and offered to order place requests for prescription medication refills from the mail order company so that I didn't have to risk leaving my home to go to the pharmacy. There were no surprises when I received my 'Explanation of Benefits' and the representatives notified me upon any changes to claims filed during these hospital stays.

I also have purchased United Dental and I life their coverage very much. It works well and no headaches.