Business ProfileforBlue Cross And Blue Shield Of Alabama

This is the worst most diabolical insurance company I've ever had the misfortune to have to use through my company, whose HQ are based in Alabama but half the employees sit outside of it. I've had endless issues with BCBS of Alabama in a way I havent with any prior insurance carrier. I've never run into these issues despite a prior tonsillectomy, two knee surgeries, and a prior pregnancy that ended in an emergency C-section with an extended hospital stay for myself and my baby (NICU). I reached out to BCBS about a$1,200 medical test that I'd been denied for because it said I needed preauthorization and because I didnt have that, it wasnt covered. For transparency, it was for genetic testing for the baby. This was something that was covered by my last companys insurance, so I believed this to be something covered by the maternity care portion of our insurance as routine standard of care, which for them it is! Ive gone back to push BCBS because this also wasnt applied against my deductible, though it was applied against the deductible of another co worker who also happens to be pregnant on a similar timeline. When I inquired about how to know what I would need preauthorization on, BCBS told me that the only way to know if a service requires precertification is to get the procedure and diagnosis codes that would be filed to insurance from the performing provider, and then contact insurance to provide the codes, who can then check the codes and advise if a precertification is required. This seems like a highly unnecessary burden to be placed on us as a policyholder, despite what our contract stipulates. When I went back to BCBS asking them to rerun the claim so it could be applied against my deductible, since my provider stated that they've never had this test require preauthorization and that's why it wasn't used, BCBS denied me. I am not sure what I am paying for with this insurance company because they barely cover anything anyway.