we had bcbs for years and my husband changed jobs. This insurance is not what it is advertised to be. we have to have something. It doesn't cover much meds. and at the time I got the insurance,I had proof of creditable coverage from BCBS for at least 18 mo. however. they would not cover a repair of a torn rotator cuff, which I still have, since insurance would only cover a portion of the procedure and would not cover any outpatient surgical facility. But what are people like us to do? Cinergy only pays very little for test procedures etc..