Blue Cross Blue Shield Health Insurance Review

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Blue Cross Blue Shield consists of 35 separate companies that provide health insurance for roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.

While you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances. 

Best For

  • Desire for a new doctor with plenty of options
  • No cap on annual maximum limits
  • Comprehensive coverage with exclusive discounts and partnerships

Pros

  • Coverage in all 50 states and outside the country
  • Covers both generic and brand-name drugs
  • Wide network of doctors, hospitals and specialists

Cons

  • Plans offered through regional companies, meaning you must look to your regional company for specific policies
  • Main customer service helpline may be difficult to reach

Blue Cross Blue Shield Insurance Policy Options

Offers HMO?Yes
Offers PPO?Yes
Offers EPO?Yes
Offers POS?Yes

Blue Cross Blue Shield health insurance offers coverage for numerous situations like:

  • Individual and family plans: You can have an individual policy under BCBS policies. Family plans enable you to enroll all family members that qualify for the same BCBS plan. If you are married, in a partnership or have children, you are likely eligible for enrollment in a family plan
  • Employer group plans: Under this policy, employers can choose the group medical plan that fits their business size and needs. These plans can be lower in costs to both employers and employees. 
  • Medicare plans: With BCBS, customers have the option between Medicare Advantage, Part D prescription coverage and Medicare Supplement plans for those who qualify. Requirements for Medicare include a minimum age of 65 or having a proper diagnosis of disability. With Medicare Advantage plans, you can bundle for medical and hospital insurance needs. You can also add Part D prescription coverage to your Medicare Advantage plan. 
  • Health maintenance organization (HMO): The Blue Cross Blue Shield’s HMO network includes 44,000 participating providers. The only exception is you will not receive coverage for visits with providers not a part of BCBS’s network unless it is an emergency medical service. 
  • Preferred provider organization (PPO): These plans cost more but offer more flexibility than HMO policies. BCBS’s PPO network reaches nearly 47,000 providers. With a PPO, you can still receive coverage for visits not within the BCBS network. 
  • Catastrophic plan: Typically, these policies have lower premiums than more comprehensive plans. Expect a higher deductible with this policy. BCBS offers BlueChoice HMO Young Adult plans to individuals under the age of 30 at the time of their effective date.

Blue Cross Blue Shield health insurance plans have a high-value rating of 4.5 out of five stars for coverages.

Blue Cross Blue Shield Customer Service

Customer satisfaction ratings consider both positive and negative reviews from policyholders. The table below displays BCBS’s star rating within each company.

BBB RatingA+
AM Best RatingA+
NAIC Complaint Index0.58
Moody’s RatingA3
J.D. Power RatingN/A

Since BCBS consists of 35 separate insurance companies, there isn’t one financial strength rating. You can refer to AM Best, though, which gives BCBS companies an A rating. 

Customer satisfaction and service rates vary among the 35 different companies. You can determine ratings based on the individual company you are using. Among the Best Health Insurance Companies for 2021 survey by Insure.com, seven BCBS companies made a list out of 15. Satisfaction ratings are between the 70s and 80s. The Better Business Bureau has listings for each specific BCBC location. 

The overall customer service rating for BCBS is four out of five stars.

Blue Cross Blue Shield Pricing

You need to understand some of the most popular terms regarding insurance policies related to price and value.

  • Deductibles: Many health insurance policies require you to meet a specific deductible before the company even considers contributing to the cost of medical services. Your deductible is a fixed dollar amount that you, the policyholder, are responsible for paying. Once you meet your deductible, your insurance company will pay for your medical visits and services. 
  • Coinsurance: Particular policies require you to make coinsurance payments after you meet your deductible. Your insurance picks up the rest of the remaining portion.
  • Copays: Some insurance companies require copays instead of coinsurance. Copays are a set dollar amount that you are responsible for paying after meeting your deductible amount. You pay your copay directly to your doctor’s office or hospital. You can expect your insurance to pay the remainder of your bill.
Maximum Annual Out of Pocket$5,000
Minimum Deductible$4,000

After analyzing the information above, four out of five stars makes sense for BCBS’s pricing.

Blue Cross Blue Shield Application Process

Blue Cross Blue Shield customers can download the mobile app for features like finding in-network doctors, hospitals or urgent care facilities; accessing claims; determining coverage and deductible information; and pulling a temporary digital member ID card. They can also securely log in with Face ID and Fingerprint ID. The app is available for iPhone and Android users. Customers can search for the BCBC app in the Apple Store or on Google Play to download the app. 

The Blue Cross Blue Shield app for members is highly convenient and easy to use and offers a secure way to look at information about policies. Members can essentially access their data anytime and anywhere. For that reason, Blue Cross Blue Shield’s application experience receives four out of five stars.

Blue Cross Blue Shield vs. Competitors

Blue Cross Blue Shield is a widely and highly successful health insurance company that is not free from the threat of competition. The top three competitors of BCBS are Aetna, UnitedHealthcare and USA Health insurance. The qualities that enable BCBS to stand out among its competitors are the company’s massive presence in almost every state; it is the largest health insurance company with the most experienced, comprehensive and affordable health plans available to customers. Finally, it contributes millions of dollars in community investment to help communities prepare for a healthier future.

get started Call Now securely through Blue Cross Blue Shield’s website
# of Healthcare Providers
28k+
Online Application?
Yes
1 Minute Review

Blue Cross Blue Shield consists of 35 separate companies that provide health insurance for roughly one-third of Americans. The company serves all 50 states, Washington D.C., Puerto Rico, and many international areas.

While you look into the BCBS affiliates near you, understand what health plans are available as well as the health insurance cost. It offers extensive coverage that gives just about every American the opportunity to purchase a BCBS-affiliated health plan. However, be sure to read up on the company because the premiums and deductibles may not suit you and your circumstances. 

Best For
  • Desire for a new doctor with plenty of options
  • No cap on annual maximum limits
  • Comprehensive coverage with exclusive discounts and partnerships
Pros
  • Coverage in all 50 states and outside the country
  • Covers both generic and brand-name drugs
  • Wide network of doctors, hospitals and specialists
Cons
  • Plans offered through regional companies, meaning you must look to your regional company for specific policies
  • Main customer service helpline may be difficult to reach
# of Healthcare Providers
700k+
Online Application?
Yes
1 Minute Review

In the past, Aetna health insurance plans were available on Affordable Care Act (ACA) Marketplaces across the country. Though Aetna no longer offers ACA-compliant plans, the company continues to make healthcare more affordable through Medicare Advantage Part D coverage and dental insurance plans.

Aetna’s Medicare options extend to most parts of the country, and premiums for Advantage plans begin at $0 a month. Part D coverage, which helps pay for prescription drugs, begins at about $7 a month in most states. Additionally, Aetna offers dental insurance and dental discount plan options that anyone who doesn’t have dental coverage through their employer can take advantage of. In addition, Aetna also offers a number of additional benefits not seen with other coverage providers, including discounts on prescription drugs and rewards for meeting health goals. 

 

Best For
  • Member support
Pros
  • Offers multiple mobile app offerings to reward you for reaching fitness goals
  • Dental discount plans may include coverage for prescription drugs
  • Medicare Advantage plans available with no monthly premiums
Cons
  • Vision insurance only available when purchased with a dental plan
  • ACA-compliant health insurance no longer available
# of Healthcare Providers
875k+
Online Application?
Yes
1 Minute Review

Cigna Health Insurance offers low-cost private health insurance and Medicare Advantage and Supplement Plans for families and individuals. Founded in 1982 and based in Bloomfield, Connecticut, the company offers a wide array of health insurance plans including three Bronze plans, four Silver and one Gold. All Cigna plans are EPO plans, meaning they are all in-network. Free telehealth visits come with every plan and are available to customers 24/7.

The four-metal tier coverage plans include:

  • Bronze
  • Expanded bronze
  • Silver
  • Gold

Individual and family Cigna private insurance plans are all available on the Marketplace and through the Cigna website, as well as with licensed agents in each state. Because they are sold through the Marketplace, they can only be purchased during your state’s open enrollment period. Special enrollment periods apply for special circumstances.

Best For
  • Easy access to benefits
  • Pharmacy programs
  • Savings and spending accounts such as HSA and FSA
  • Supplemental plans
Pros
  • Home delivery for prescriptions
  • Health management mobile apps
  • Easy ID card replacement
Cons
  • Potentially high deductibles
  • Not available in all 50 states
# of Healthcare Providers
150k+
Online Application?
Yes
1 Minute Review

Kaiser Permanente is a not-for-profit health plan. Kaiser Permanente offers both health insurance and health care, which has resulted in excellent reviews from customers and rating organizations. Kaiser Permanente does have limited service areas, and you typically need to stay in-network for services unless you’re experiencing an emergency.

Best For
  • People in Kaiser Permanente service areas
  • People who don’t mind managed care
  • People who like to manage their care online
Pros
  • Many services available in one location
  • Ability to make appointments online or using an app
  • Good customer service
Cons
  • Limited service area
  • Need to stay in the Kaiser Permanente network for most services
get started securely through Mutual of Omaha – Health Insurance’s website
# of Healthcare Providers
855k+
Online Application?
Yes
1 Minute Review

UnitedHealthcare is an insurance company that is dedicated to making the health care system work better for everyone. Its plans can serve customers of all ages, starting in childhood and continuing all the way through the retirement years. The company partners with more than 1.3 million health care professionals and over 6,500 hospitals to give customers the freedom to access healthcare wherever they are. This insurance provider has a strong financial standing and good ratings, making it a reliable option for just about anybody.

Best For
  • People who want flexibility in their health care coverage
  • People who want supplemental insurance coverage
  • People who qualify for both Medicare and Medicaid
Pros
  • Offers a wide variety of plans
  • Strong financial and customer service ratings
  • ACA and non ACA plans available
Cons
  • Not all plans ACA-compliant
  • The website can make it difficult to get a quote

Blue Cross Blue Shield Overall Rating

The bottom line is that BCBS offers excellent health insurance products to all 50 states. The company uses its experience to gain more members every day, which helps many healthcare providers accept it as a form of insurance. You can choose from a variety of insurance policies like health savings accounts, flexible spending accounts and health maintenance organizations. BCBS has excellent customer satisfaction and application experience ratings too. These qualities are enough to rate Blue Cross Blue Shield as a top insurance provider. Hence, it’s 4.5 out of a 5-star rating overall. 

Frequently Asked Questions

Q

How can you find out information about BCBS coverage that is supplemental to Medicare?

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How can you find out information about BCBS coverage that is supplemental to Medicare?
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A
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BlueCross BlueShield offers plenty of Medicare options like Medicare+Choice, medical savings accounts and private fee-for-service plans. You can access a list of BCBS companies who participate in Medicare Advantage and prescription drug choices. If you have further questions or concerns, reach out to your local Blue Cross Blue Shield representative for more details about your claims or coverage.

answered
Q

What are signs of a health insurance scam?

1
What are signs of a health insurance scam?
asked
A
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Unfortunately, you need to be on the lookout for online scams, even regarding health insurance. Keep an eye out for red flags that indicate fraud: aggressive sales pitches that require you to act now; unsolicited insurance offers by fax, phone or email; or a request for a bank account or credit card numbers to get locked into coverage. A good rule of thumb to follow is if it sounds too good to be true, it probably is.

answered

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