I am in New Jersey & I agree - BCBS is horrible - the worst. I have coverage through my work w/ them and my father has the medicare plan. They deny everything that is covered in the hopes that the patient will just pay the bill so they don't have to. Fortunately, I call them and argue everything but after so many years it is exasperating even though I do not give up. Some advice too - double team them - when they give you the "it was not authorized line" tell them to hold on while you third party in the contact @ your doctor's office - this works welll b/c they always give one reason of denial to the patient & a whole different story to the doctor's office - this tactic works great b/c they can't keep lying to either party. Don't ever give up calling either and dispute everything. Also ridiculous is their flyers pretending to promote good health - I know myself I would be 100% in better health if I did not have the mental stress of constantly calling in to dispute every fraudulent denial.