Empire Bluecross Blueshield is the worst insurance provider I have ever had. My employer (a very large health care organization) reports that they pay over $ 13, 000 on insurance coverage for each employee every year. For this amount, I would assume that I would be provided with comprehensive health insurance. That is not the case. The Empire Bluecross Blueshield plan recently became a POS- I have had intense pain in my lower back and lt leg for the past 4 months. The pain is disabling and has sent me to the emergency room three different times. My doctor has been trying to order a MRI of my spine. Empire Bluecross Blueshield has denied covering the MRI three times now. I'm not sure what they expect me to do. F@#! them. I will now go to the urgent care center every day until they agree to pay for my MRI. Let them be billed for that.