Blue Cross Blue Shield here in Brevard Florida is terrible.  Every year the coverage gets so much less and less.  Supposedly we have $15 office visits but they write off much of the doctor's bill and refuse to pay so the doctor will bill the rest to us, despite their accepting BCBS's policies and the fact that we have a contract stating a $15 copay.  BCBS flat out refuses to pay stuff no matter what their policy says.  They must have fine print in the fine print that we can't even see to know about.  Pathetic!