BlueCross BlueShield offers insurance plans throughout the United States. This wide availability makes it easier to continue working with the insurer if you move to a new state or region.

BlueCross BlueShield's website makes it easy to find the subsidiary that operates in your area. Once you're redirected to the right subsidiary, you can learn more about what BlueCross BlueShield offers in your area.

Positive Reviews

A large proportion of BlueCross BlueShield reviews on Best Company are positive. Reviewers were satisfied with the coverage, network, and timely payment of claims.

Customer Review: Audrey Mitchell from Managua, Minnesota

"Bluecross is accepted in all the dental offices I have gone to and had not problems. Their coverage is great and staff is helpful with questions."

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The Bad

Plan Options Vary by Location

Plan Options Vary by Location

BlueCross BlueShield's wide reach means that the plans available vary from subsidiary to subsidiary. If you are interested in working with BlueCross BlueShield, check which subsidiary operates in your area. Work with your local subsidiary to learn more about the dental insurance plan it offers.

If BlueCross BlueShield dental plans are not available in your area, you'll need to consider another insurer.

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The Bottom Line

BlueCross BlueShield is a well-known insurance company. While it's difficult to get into specifics around dental plan options because these choices vary by location, BlueCross BlueShield has earned a high proportion of positive reviews.

If BlueCross BlueShield offers dental insurance in your area, it's worth exploring further.

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User Reviews

Star Rating

2.7

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78 Reviews

Review Breakdown

5 grade

42%

4 grade

27%

3 grade

2 grade

1 grade

18%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Randall Hartman

The worst insurance company for filing a claim. I submitted my claim twice through the claim portal, but it never showed up in my account. I tried Faxing it more than 10 times, but the Fax machine would not connect until the third or fourth time, and when it did connect, it would only accept 2 or 3 sheets before disconnecting. When contacting customer service via phone it's like pulling hen's teeth to get through the computer. For the amount of money they charge you would think theirservice would be better than this. HORRIBLE SERVICE

1 week ago

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Sam Hajsaid

I am a retired federal worker, and I settled on Blue Cross Blue Shield since it covers implants unlimited number of teeth. I called them before enrollment, and they confirmed that. Based on what they told me I proceeded with an oral surgeon for the implants. Now I have a lingering bill of almost $5000.00 unpaid for bone Grafting. BCBS claimed that Doctor should have sent a pre-authorization first. Lost appeal twice and still not paid. I advise you to read between their policy lines before you will be deceived otherwise. Not a good a choice. Now it is a new enrollment period and time for change. Thye really deserve less than zero after all.

2 weeks ago

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mary jo Galetto

Once my dentist went out of network, trying to get reimbursement led to multiple calls with one agent after another being less and less helpful. We will opt of this insurance ASAP. 1 star is too high a rating for BCBSM Dental

1 month ago

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Deborah Dyer Hendersonville, TN

We all know that our natural teeth are very important and my husband and I have tried our best to keep all the ones we have, especially as we are entering our Senior years. Helping us to acquire that goal has been my Blue Cross Blue Shield Dental insurance that I took out when I was employed. It has really paid off with multiple root canals, crowns, x-rays and cleanings we both have had over the years. My last exam under an Endodontist cost me only $325.00 instead of $850.00 because of my insurance. I will continue to keep my Blue Cross Blue Shield family dental insurance yearly because I have seen how much it saves my husband and I. A pleased customer from Tennessee🙂

1 year ago

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Cynthia Upchurch

There has been nothing but confusion since we moved across country & had to leave Delta Dental for B.C. & B.S. FEP Dental. I had major dental problems & went to several dentists in upstate NY. BC BS sent us a check for reimbursement. Then they said send the money back, they over paid, by 8/28/24. So we did. BC & BS stopped payment on their check & over drew our account on 8/13/24! We will not be enrolling with them again. Buyer beware. When we called & asked about our money back, they gave my husband the run around so he demanded a supervisor. Bad business practices & we can't trust them now.

4 months ago

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Deneane Robbins

Just signed up seems to be great so far. Except the pharmacy part. Not happy with them at all thier custome services is rude and jot very knowledgeable. So as far as the pharmacy it is a 1 star.

10 months ago

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Sinister Babe Kyle, TX

Very pricy coverage but definitely worth it. I was able to get my medical needs covered and with how much I had to use it it definitely helped me. And their app is convenient and easy to use!

11 months ago Edited January 15, 2024

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Sherry Betts

Blue Cross Blue Shield Dental has been very easy to work with. The dentist office always handles the entire claims process. I am hands off. When I need work done an estimate can immediately be completed and I pay based on the prediction of what the insurance will cover. It seems they they reasonably cover everything I need. I wish they would cover more cavity prevention like sealants. I feel that it would save the company money in claims if it prevents future cavities.

1 year ago

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Kenneth Brooks Newburgh, IN

I like the amount of coverage they provide and the ability to talk with customer service representatives when I have any questions or do not understand something. I would like for BC/BS to pay a little more for the services I need.

2 years ago

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Lyn Okemos, MI

Their coverage is not cheap but I am told by the dentist office that their reimbursement is better than other companies. There seems to be a smooth resolution of claims made. I did have an issue with their website where I could not set up an account to pay online. They kept saying that there were technical issues and to try again later. I talked to a representative and they were supposed to get back with me about this but it never happened.

2 years ago

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Yvonne Fink Frederick, MD

I have had Blue Cross Blue Shield health insurance and was always happy with everything and the service that I got. I now have Blue Cross Blue Shield dental and they’re fantastic. I get two free cleanings A year and x-rays. Didn’t have to change my dentist who I love. And I get 50% or more off of anything that I need done which include a flipper that I have to have made. Would recommend that anybody check them out for health insurance and for dental.

4 years ago

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Christopher Hooker

I've had BCBS FEP Blue Dental for several years and their convoluted processing of claims, 1st through health and then to Dental is a recipe for disaster. It is confusing and results in multiple submissions and phone calls to customer service to get paid the minimal amounts that they cover!

4 months ago

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Daione S Milbourne Orlando, FL

Was Recently a leads generator for Blue cross blue shield Great company that offers a variety of different jobs and opportunities to it's workers and clients enjoyed my time working highly recommended

3 years ago Edited December 8, 2021

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MARY K GODLEY

For the most part very good. Friendly and helpful when calling customer service. EOBs a little difficult to read, but with descriptions provided could figure out. Timely receipt of EOBs. Vision and Dental providers difficult to find where we live (Winston Salem)

6 years ago

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Jaelyn Morris Tallahassee, FL

BlueCross BlueShield offers great dental insurance at great prices. They keep my co-pays low for my dentist visits and through them, I can make sure I keep up my oral health. I will continue to use BlueCross BlueShield for my dental insurance.

2 years ago Edited March 8, 2022

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Nazjah Yates Tallahassee, FL

I changed dental insurances and just the customer service alone for blue cross blue shield is amazing. My representative helped me to find a dental office that takes my insurance and I had multiple options to choose from in my area. My insurance covered most of my costs and I am happy with the switch!

3 years ago

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Ron Murrey Clovis, CA

Excellent coverage of health expenses for our plan. But raises monthly premiums every year by 9 - 10% a year. They have been getting too expensive since the cost goes up significantly every year. As a retiree on fixed income may not be able to continue with them in a couple of years if the monthly premium expenses continue to rise! On the positive side they covered all my medical costs associated with several major surgeries in 2019! Overall, their services have been excellent!

4 years ago Edited September 14, 2021

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Stephanie Bloniarz

I have worked in dentistry for over 25 years. BCBS (especially Arizona) does not pay for out of network dentistry. We have to turn away so many patients that have this insurance, because it pays SO bad... and it is NOT worth it to be in their network. Their reimbursement (fee schedule) comprimises our standard of care. I sure wish they would do better on the PPO plan!

8 months ago

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Amani Patel Harrisonburg, VA

A pretty poor insurance company that seems pretty inaccessible with its services. I also find that the company is not that transparent about ongoing activities. I wish it was more trustworthy and there was stronger communication.

10 months ago Edited February 12, 2024

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Unfortunate blue doublecross customer Washington, MI

Blue cross (MI) states that they cover maintenance twice a year but they DON'T TELL YOU is that you must wait 6 months between cleanings or they won't cover it. AND, they carry over the 6 month wait from the previous year if you had coverage from them last year. This horrible policy forces you to pay premiums for coverage that you are not receiving, therefore, it is essentially fraud to take your premiums for the full year but deny coverage if you mistakenly have a treatment less than 6 month from the prior year. Keep away from any insurance company that forces you to live by their hidden rules instead of your own needs.

1 year ago

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Jaci Rhoades Bryant, AR

I have been with Blue Cross Blue shield for over 20 years. My insurance plan has always covered at least 90% of my medical bills. They save me a lot of money and worry.

2 years ago Edited February 2, 2022

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Ashlyn Elwood Roswell, GA

I had BlueCross BlueShield dental insurance in Michigan and it was a little difficult to find a dentist that took the insurance in my area. However, they covered a fair amount of the bill so I can't complain!

3 years ago

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Chris Giusti Manassas, VA

This company is the absolute worst insurance company I’ve ever dealt with. I shopped vigorously for a dental plan in the fall knowing I’d need some dental work done. Got in touch with blue cross blue shield and specifically asked “do you cover crowns?” I was told yes and specifically referred to a 47 page manual that explained their policy in depth. Nowhere in this manual did it even hint that crowns weren’t covered. In fact, it detailed how they were covered at 50%. The manual had an entire section of what wasn’t covered. Nowhere in that section did it even mention the word crown. Based on this I purchased the plan. I had multiple crowns done and to my dismay the company now refuses to pay the claims. They are trying to tell Me the tooth wasn’t more than 50% decayed. Nowhere in their policy does it talk about ratios that teeth need to be damaged to obtain a crown. Acting on the opinion of multiple dentists I obtained crowns to fix my teeth. Had I known that for this company to cover a crown the tooth had to be more than 50% decayed I obviously wouldn’t have gotten their policy. Again, they can’t point out where in their policy this is listed. They simply don’t want to pay the claim. Bottom line is they will take your premiums with open hands and then find a way not to pay totally legitimate claims. I had to give one star because zero wasn’t an option.

5 years ago

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Robert T Hoff Rehoboth Beach, DE

I'm retired Civil Service using Benefeds/OPM contract with BC/BS Fed VIP Dental. The Dental coverage is a scam. I live in Rehoboth Beach, DE, where there are no in-network dentists within a 35 mile drive . However there are several available in NJ on the other side of the Delaware Bay. BCBS actually sent me a note saying they expected me to drive across the water. The reason for needing a dentist is because I need a molar implant. Implants are on their schedule, but BCBS has told me they will NEVER do implants because there are always cheaper alternatives. They demad I pull out all the rest of my teeth because "dentures are cheaper than an implant." I called OPM where I was told they didn't look at the terms of the contracts. They sent me to BENEFEDS where they told me the companies are the only ones who can look at their own contracts in a stab at self-regulation. I am going to all review sites to uncover this scam.

5 years ago

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Absolutely terrible and scammy packages I recently got PBC. (November 2018) Was told had to wait 3 months. To use dental BENEFIT okey. Fast forward to January Get cleaning (my usual WITHOUT coverage is $89) Get cleaning. Go pay. $180+ how do you figure. They covered 80%. 80% and i have to pay $100 more then typical visit without health coverage I almost canceled PBC THAT DAY. but. I decided to give it a chance. Fast forward 3 more months (6 months in to the plan at $300 given for the payments). Costco. Sorry we don't file claims for you. You'll need to fill the prescription then file it yourself. so is it covered though or not ‍ we don't know and you won't know until you file it. So you're saying it could be not covered yes. That's possible. Okay. Paid the $48 Go home to file. They said it's easy. Fill out the boxes on the app and send us pic of receipt stub from pharmacy Did it. Came back. Rejected Called them. Oh. Most drugs aren't covered Well the why on earth am I paying you like $800+ a year ‍. Nothing is covered and even after that huge amount I'm still paying per visit or per prescription. It's a rip off. My annual costs are as follows without health and dental coverage: $100 ($50 x2 a year allergy meds) $100 eye exam $200 contacts $89 dental $89 dental Total: $600 My needs. About $600 my payment is almost $800 with PBC, but with PBC after paying $800 I'll still need To pay $180 dental my "share " $180 dental $100 eye exam $100 contacts ( not fully covered) $100 meds (nothing covered) Total additional costs: $660. So grand total of $1460 with blue cross. Or $600 stand alone without health dental‍ DON'T GET INSURANCE THE ONLY BENEFIT IS TO THE INSURANCE COMPANY (how else would they make money should of known) don't fall for it. It's stupid.

5 years ago

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Kara Wain Bonifay, FL

BlueCross BlueShield is fast and quick with responding to issues and questions regarding services and coverage. Helped saved me money on expensive appointments and procedures.

2 years ago

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Destini Ferguson Tallahassee, FL

This company pays for most of my dental cleaning, so that I am only left with $20 coming out of pocket. I don't pay much monthly either and I haven't had any office deny my insurance.

3 years ago

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Cdavid , MO

BlueCross BlueShield has been the premier insurance for us. They covered more things than any other insurance we have had. Is is assuring to know that they are widely recognized and that your needs are covered.

4 years ago

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Deborah Kelly Farmington, MO

It's great insurance for dental. They pay well and there is very few problems. I work in a dental office and I have the insurance. From both sides its a great company! We rarely have an issue.

4 years ago

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Jennifer Costa

One of the best dental insurances to have! Good plans to chose from and affordable premiums.

7 months ago

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Larry LaFlam Sr. Myrtle Beach, SC

Do not, and I say again, Do Not have anything to do with this insurance company. They will take your money and never pay up when you need them. I was told that my "High Option" coverage would cover my wife and I for almost any dental procedure and pay 40 to 50 percent of the costs. After $20,000 worth of dental work done on me, they paid $1,704 or 8.5 percent. My wife had a $7744 bill and received $1,012 in coverage or 13 percent. Now I ask you, is that how a company treats a Vet and his wife after 50 years of service to his country? These people are disgusting!

1 year ago

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allenchia4 Burnsville, NC

Horrible dental plans with deceiving titles. I have the "preventative plan" (sounds good, right?) which costs me $23.85 per month. The only thing is, no on in my area accepts it. So, I went to a dentist in my local "rural" area and had x-rays and caveties repaired. Blue Cross will cover 5% of the bill, after my $250 deductible is met. What a scam!!!

1 year ago

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Keyword F Port Washington, NY

Horrible Service. They told me they had "forgotten" to file my paperwork after making me wait 30 days to go to a new primary detnist. Not only that, then the dentist told me I wasn't in their system and had to wait until FEBRUARY OF NEXT YEAR (its august). This insurance company SUCKS. Their app? SUCKS. They told me random providers get added in their app that you arent covered by and they don't know how to fix it. This company is sucks.

2 years ago

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Robert Mott

BlueCross BlueShield was the best choice for me and my family. I'm happy with the coverage and the prescription express is great.

2 years ago

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George Nicoloff

Their monthly premium seems fair, they have rewards for preventative activities, Dental coverage and assisting programs.

5 years ago

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AF ,

BCBS has been pretty good to work with for our dentist. It can still be expensive when you have issues to take care of, but it covered a good portion of my night guard which was nice.

4 years ago

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Danielle LeCheminant Lehi, UT

Their customer service has been decent. One person we called didn't help us much but the next time we called the next worker went above and beyond our basic expectations to help us.

4 years ago

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Morgan Sweat Montgomery, AL

I like the insurance, it nearly leaves me paying nothing out of pocket at the doctors and dental office visits. The insurance is rather pricey for a single individual but the cover is really great.

4 years ago

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take7 Sandy, UT

This one wasn't very good for our family on the west side of the country. If the offices we were using accepted it they changed to not accepting it while we were under them. Responses from customer service took a while and we sort of just went basic and tried not to have to need it.

4 years ago

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Verified Customer

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Kevin Lewis

Very good Benefits, quick turn around time, easy to deal with

4 years ago

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Janessa P Logan, UT

I have BlueCross BlueShield Regence Dental Insurance and it has been fair service and coverage but it has been terrible customer service.

9 months ago

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Dave Kilgo Foley, AL

After being a loyal customer for 22 years they refused to investigate a mistake that they made on automatic payment. Very dissatisfied with customer service of which the lady i spoke with was Very Rude and refused to find a solution or admit fault. If you are looking for a dental plan i would definately consider other options. Service is terrible.

1 year ago

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Kenneth Hawkins Carnegie, PA

They have been providing one of the largest networks in my city. I really appreciate the customer service and providers in their network

4 years ago Edited September 14, 2021

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Charlie Norcross, GA

I recommend this company for your insurance needs. They are on top of all the latest concerns and work hard to provide the best service.

4 years ago

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Rathan Kumar Trabuco Canyon, CA

WAs under BlueCross BlueShield for a couple of years. Great company and a wide amount of providers. Only switched when I changed jobs.

4 years ago

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Teresa Bills Little Rock, AR

Love this company. The workers and knowledgeable and I appreciate all that they do my

1 year ago

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Ur Ashburn, VA

Really came through for me without all the red tape and hassle.great insurance provider

2 years ago

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Luke Swierczynski Troy, MI

Super cheap coverage and accepted at most locations. Also reasonable coverage for reparative work

3 years ago

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Luke M Herriman, UT

I recently switched to BlueCross for dental insurance. The app is really easy and made it simple to set everything up.

2 years ago

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jaci finch Corpus Christi, TX

My whole family uses BlueCross BlueShield, and we have always had an okay time, except for with mental health insurance. They cover none of the psychologists in my area and haven't been helpful at all.

4 years ago