Health insurance helps you control your medical expenses by giving your access to negotiated rates and cost-sharing for your out-of-pocket costs. Choosing a trusted insurer is important.

BlueCross BlueShield is a renowned and well-known insurance provider. With BlueCross BlueShield, customers can have access to great member resources. Customers can also purchase dental and vision coverage.

View BlueCross BlueShield Reviews

BlueCross BlueShield is also a parent company of other health insurance companies that provide BlueCross BlueShield insurance in specific regions and states. BlueCross BlueShield companies include Anthem, CareFirst, Regence, Wellmark, Highmark, Capital, Empire, Independence, Horizon, and Premera.

It oversees 36 different insurance companies, all of which are locally operated. As a nationwide company in the health insurance marketplace, BlueCross BlueShield has helped millions of people with health insurance plans since its founding in 1929.

The Good

  • Positive Customer Reviews
  • Health Plan Selection
  • Member Resources
  • Large Provider Network
  • Blue365 Rewards Program
  • Helpful Website and Customer Service
  • Availability and Acceptance

Positive Customer Reviews

BlueCross BlueSheild has earned many positive customer ratings and reviews on Best Company. These reviews mention satisfaction with claims, coverage, and customer service.

Issues with claims and coverage are common in the health insurance industry, so it's a good sign that BlueCross BlueSheild's positive reviews highlight satisfaction with these things.

Review Icon

Customer Review: Nathan from Broomfield, Colorado

"I have always been impressed with the quality and quantity of coverage I have gotten from Blue Cross Blue Shield. They have helped me get through some very trying times and pay for my medication!"

Health Plan Selection

BlueCross BlueShield insurance plans are available nationwide and widely accepted at hospitals and doctor's offices.

Coverage options range in many types — from a Preferred Provider Organization (PPO) to Health Maintenance Organization (HMO). These plan-types indicate the kind of provider network available with the health plan. PPO plans generally offer coverage for seeing out-of-network providers, though the coverage levels are not as high as for in-network providers. HMO plans only offer out-of-network coverage in emergency situations.

BlueCross BlueShield also offers plans with Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs). BlueCross BlueShield also offers indemnity, Point of Service (POS), and short-term health insurance plan options.

The coverage and details of each medical policy varies. The costs depend partially on your health situation (including age, number of group being insured, health status, etc.) and your location. When you initially search for a health plan to understand the benefits and costs of monthly payments, expect to put in your location and some personal information, as these points will help BlueCross BlueShield draw up a list of potential plans for you.

BlueCross BlueShield also offers Medicare and Medicaid plans. Its Medicare plans include Medicare Supplement insurance (Medigap), Part D (prescription drug plans), and Medicare Advantage plans. 

A Medicare Advantage plan covers the same medical care as Original Medicare (Medicare Part B and Part A) in a single health plan. Most also include qualifying prescription drug coverage, which means you don't have to buy additional medical policies. Check your plan's drug formulary to understand what prescription drugs are covered. Medicare Advantage plans are also called Medicare Part C.

Medigap plans can be purchased to help pay for Original Medicare out-of-pocket costs (copayment and coinsurance). To qualify for Medicare benefits, individuals generally must be at least 65 years old.

In addition to health care coverage options, the some BlueCross BlueShield Plan offerings include dental insurance plans and vision insurance. Dental plans and vision plans may also vary by location, so it's important to work with the subsidiary in your area to get specific information. Those looking for vision or dental coverage can find good policies through BlueCross BlueShield.

As you evaluate your health insurance options, keep your health needs and budget in mind. The amount you pay for a health plan is not limited to the monthly premiums. In addition to considering the cost of premiums, you should also consider how expensive the out-of-pocket expenses will be. Sometimes paying a higher premium will mean having cheaper out-of-pocket expenses (copays and coinsurance) or lower out-of-pocket maximums.

Member Resources

BlueCross BlueShield keeps up its positive reputation with members with both basic and advanced tools. Some of these tools are specific to each of its subsidiaries, and include customer service numbers and mobile apps.

Large Provider Network

BlueCross BlueShield's network of doctors and specialists is gigantic. BlueCross BlueShield insurance is accepted all over the United States. Because of the wide acceptance, it should be easy to find a network provider. Treatment and other medical services you receive from these providers will be covered in part by this company.

Blue365 Rewards Program

Another unique feature of the Blue365 program. Through Blue365, members can receive discounts on all sorts of health-related products and services. Some discounts and deals change from time to time. Blue365 saves you money and provides added motivation for you to get and stay healthy. Not every BlueCross BlueShield subsidiary may participate in Blue365, so check with your subsidiary to see if it does.

Helpful Website and Customer Service

The BlueCross BlueShield website offers general information on its website and makes it easy to find your local BlueCross BlueShield subsidiary. You can search for plans and get a quote, narrowing your search by location and the type of plan you're looking for.

BlueCross BlueShield answers frequently asked questions, have social media outlets to connect with clients more personally, and of course, provide mailing information for when you need to mail in a form or contact them via snail mail.

In short, BlueCross BlueShield takes lots of different steps to meet the needs of customers all over the US. It is available 24/7 to members and has set up its customer service tools to be convenient, immediate, and of course, helpful-even in the details.

Availability and Acceptance

BlueCross BlueShield is available in all 50 states, and is widely accepted by doctors and hospitals. Specific health care provider network access, however, does depend on the individual health plan.

Review Icon

Customer Review: Rathan Kumar from Trabuco Canyon, CA

"I had blue cross blue shield for 3 years when I was with my old job. They had a lot of providers in my area that worked great."

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The Bad

  • State-Specific Coverage

State-Specific Coverage

For better or worse, the coverage you receive through your health plan depends partially on the state you live in (the state in which you would use that insurance). In other words, you can't just look up a PPO plan at BlueCross BlueShield and expect the same coverage percentages, out-of-pocket costs, and deductibles for any state. The BlueCross BlueShield website will direct you to the company that serves your area before you can get information on plan options.

The Bottom Line

In many ways, it's not surprising that there are inconsistencies in health insurance plan details at BlueCross BlueShield. After all, the health insurer is large and works though several subsidiaries. It provides coverage nationwide, and has an extensive history and reputation.

Its growth has brought both positive and negative consequences. For example, it's positive that BlueCross BlueShield is accepted at such a high percentages of hospitals, doctors, and urgent care centers because it is a well-known brand in the health insurance marketplace. But on the other hand, the office you work with locally could be one of those with a poor reputation since BlueCross BlueShield doesn't micromanage each subsidiary.

It's important to make sure any health plan you choose offers the medical coverage you need and is affordable. The best insurance plan for someone else may not necessarily be the best fit for your situation. Be sure to understand your health needs and what would fit into your budget. Choosing a reliable health insurer is also important. Reading health insurance reviews from customers can give you a sense of the general quality BlueCross BlueShield offers.

Long story short, BlueCross BlueShield is still a recommended insurance company. There are some regional differences with BlueCross BlueShield companies, so interested people should work with the insurer directly to learn more about coverage, benefits, premium rates, deductible, and out-of-pocket limit available with each health plan.

We'll Introduce You!

Call our recommended rep over at BlueCross BlueShield below.

1-(866) 971-2768

User Reviews

Star Rating

3.9
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577 Reviews

Review Breakdown

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3 star
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1 star
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Cleaveland Smith

January 12th, 2021 Columbia, MD DETAILS arrow_drop_down
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They barely cover most in network services and require you to pay an arm and a leg for copay.

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Kyle Bucher

January 10th, 2021 Fishers, IN

The interaction this insurance has with your local healthcare providers is hard to beat. They'll be in front of each exchange, and provide you with all of the information you could possibly want. Their coverage is fair and wide, so it'd be difficult to find a better insurance carrier.

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P. Thompson

January 8th, 2021 Long Beach, CA DETAILS arrow_drop_down
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Great customer service. Will recommend this company to anyone I know. Never had any issues.

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James

January 6th, 2021 Centreville, VA

Excellent service they had provided to us. we are really love them how they work

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Tinsley

January 6th, 2021 New Orleans, LA DETAILS arrow_drop_down
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What can I say I love blue cross it provide great Heath care service in my opinion. I have never been more happy with an insight company.

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Art

January 5th, 2021 Houston, TX DETAILS arrow_drop_down
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Good second policy for Medicare. Easy to use and accepted by most doctors and hospitals. Get to go to what ever doctor or hospital I choose

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Mohsen Kamarei

January 1st, 2021 Roselle, IL DETAILS arrow_drop_down
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They cover my prescriptions at 100%. Great customer service and benefits are great.

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J. Dillon

December 31st, 2020 Elk Grove, CA DETAILS arrow_drop_down
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I have been with Anthem Blue Cross for many years and have had nothing but the highest quality service, with quick referrals to specialty medical professionals whenever needed for health concerns.

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Faith Carver

December 31st, 2020 Española, NM DETAILS arrow_drop_down
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I have not had many issues with the company. I have found it is difficult to switch between account types, however.

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JasonG

December 31st, 2020 Crossett, AR DETAILS arrow_drop_down
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Good insurance company. Really easy to work with and makes sure any problems are resolved. Would recommend.

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TPat

December 30th, 2020 Cottage Grove, OR DETAILS arrow_drop_down
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I have been with this company over 20 years. It started when I was working. until then I had no problem with them other than the fact they tried to give me a hard time about a medical condition. that was caused by my job. The problem is now, they have become secondary telling me Medicare is now Primary. so I am paying the same rate I always have, and they want Medicare to pay for my treatments? This is unfair to me.

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Michael Stewart

December 27th, 2020 Atlanta, GA DETAILS arrow_drop_down
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Easiest and most affordable health insurance available. Claims are settled promptly and efficiently

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Anna Castaneda

December 22nd, 2020 West Covina, CA DETAILS arrow_drop_down
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I have been with Blue Shield for 2 years, this enrollment period will be my 3rd year. I am pleased with their Customer Service Rep’s whenever I call in for assistance as for my medical needs they have been meet to my satisfaction.

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Yasemim

December 21st, 2020 Vienna, VA DETAILS arrow_drop_down
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I have been talking with Mary almost 1 hour, she is working at pharmacy department, I really would love say her “thank you so much” She call each pharmacy to make sure that my insurance cover medication and not pay it. She is amazing!

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Cristina

December 18th, 2020 , DETAILS arrow_drop_down
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The absolute best there is. Bluecross blueshield helped me after an awful car accident. They definitley made life more bareable. Would very much reccommend

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Madison

December 17th, 2020 , GA DETAILS arrow_drop_down
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BCBS is a monopoly. I am sad that we have no choice but to use them. The cost of the plans raises every year, so we have to go to lower and lower plans - getting less and paying more :(

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Azza

December 15th, 2020 Boston, MA DETAILS arrow_drop_down
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Dental plan is terrible, hard to get care due to limited dentists accepting insurance. Deserves a zero for charging me double the price for “late fees” after I canceled my Membership THREE times . Still fighting to cancel this membership months later and get them to stop charging me every month. Not even asking for a reimbursement just want it canceled and to stop being charged. Took my account and credit card info off the account, changed my credit card and they are STILL somehow able to charge me. I truly don’t understand how. Absolutely criminal and frustrating, have wasted so much time trying to cancel this insurance. Do not bother signing up in the first place, just a nightmare in the end.

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Jason Zeller

December 12th, 2020 Glendale, AZ DETAILS arrow_drop_down
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I’ve had blue cross for about 20yrs. They have taken care of my family and have great customer service

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min khanal

December 11th, 2020 Sandy, UT DETAILS arrow_drop_down
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They have most providers under their network. Great service. Only suggestion is have a quick customer service.

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Tyrone mcbryde

December 10th, 2020 Lakewood, OH DETAILS arrow_drop_down
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They are my primary insurance company so far no problem with getting my bills paid

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Dr. San Tosh

December 10th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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Nice mobile app, updates every day about claims, mostly good costumer care, detailed explanation of benefits. But very convoluted, will end up paying a lot out of pocket costs, as there would he no clarity given before the service. My service provider says speak to your insurance and regence says speak to your provider. In this game, we will end up paying out of frustration, lack of legal medical knowledge and busy work. Copays and deductibles are reasonable. 20% coinsurance and the things they don't cover make this sometimes ridiculous expensive. Specially in a year like 2020.

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Vic

December 10th, 2020 Omaha, NE DETAILS arrow_drop_down
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Been with them for over 16 years, and all I can say is, they're a necessary evil. I'm glad I have insurance, because I'm sure I've saved some money over the years. But man, some of the idiocy you get when they DON'T cover something, can be very annoying.

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GarryG

December 10th, 2020 Judsonia, AR DETAILS arrow_drop_down
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We have federal BC/bs and mostly satisfied. Have had some issues with prescription meds being denied.

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Brandon

December 9th, 2020 Murfreesboro, TN DETAILS arrow_drop_down
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Cost is a little high, but their service is great. Great website to use as well. I stick with them as my provider.

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Judy Glotfelty

December 8th, 2020 , DETAILS arrow_drop_down
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Easy to deal with and coverage is excellent. Never have had a problem with denied claims. Knowledge of their product with their service people is impressive.

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Jungle55

December 3rd, 2020 Coeur d'Alene, ID DETAILS arrow_drop_down
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BlueCross offers decent coverage, but it is expensive! We pay over $1400 a month and still have a $5k deductible. Their customer service is very kind when you can finally talk to someone. It will take days for them to respond via the email option on their website. Overall, for an insurance company, a solid 3.5 or so.

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David Quintiliani

December 2nd, 2020 Quincy, MA DETAILS arrow_drop_down
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I am told by BCBS that my medication for Diabetes 2 (Invokana)is too expensive and they wont cover it anymore. This has been the BEST medication for me and despite 3 calls to customer service (first 2 calls were disconnected when I was told I am being put on hold) and on the last effort I was told there is no option but to pay out of pocket. The cost for BCBS is already expensive and certainly not offered any solution expect to change my medication. No concern for HEALTH from BCBS in this case.

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Maria Pereira

December 1st, 2020 Orlando, FL DETAILS arrow_drop_down
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It has worked for me. Customer service is great. I have an HMO and I wished I had a PPO it would be much better as far as choosing doctors because the doctors from the network are not always good.

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joseph E.

November 30th, 2020 Indio, CA DETAILS arrow_drop_down
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This is not an honorable company i had medicare. From 1/1/2016 to 5/24/2018 Blue Cross premiums were paid by a trustee in New York. I discovered on 5/24/2018, premiums still being paid, canceled policy , and was informed because another policy was paying my claims and not Blue Cross, I should expect a refund. Made complaint with DMHC. Finally received a check for $3,274.32 over payment $41,150 refund amount $3,274.32 they kept $37,875.68 for doing nothing SLEEZY

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Brenda Bigler

November 30th, 2020 Rocky Mount, NC DETAILS arrow_drop_down
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great rates and very good experience dealing with customer service they have always answered my questions .

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charlotte foster

November 27th, 2020 Roaring Springs, TX DETAILS arrow_drop_down
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Blue Cross Blue Shield has been so consistent over the years. I have a chronic disease and have not had to worry about not having good coverage. I rarely have to pay for my expensive medicine and that is much appreciated. I will always choose BCBS over any other health insurance. The Healthcare Marketplace has provided access to BCBS in both Texas and Arkansas for me over the years, and for that, I am sooooo grateful. Customer service at BCBS has always been there for me as well. I definitely recommend it to anyone that asks.

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Tj Carrell

November 25th, 2020 Hendersonville, NC DETAILS arrow_drop_down
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I've been with them since I went to work for the USPS. I feel they do any excellent job and the costs are reasonable. I would recommend them to anyone. I'm keeping them as secomdary insurance now that I have retired.

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David

November 25th, 2020 Plainfield, IL DETAILS arrow_drop_down
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Full service medical insurance provider with broad network coverage and a huge selection of authorized providers. Billing services are quick and complete. Customer service reps are helpful and responsive regarding any questions or claims. Great choice for health insurance needs.

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Kay

November 24th, 2020 Ellisville, MS DETAILS arrow_drop_down
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Hello everyone I think the business is also, and I just talk to a lady that work in flowood ms name Lakeisha. She was amazing with answering all my questions and also making sure I was making the right decisions. I will request for her every time.

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Steve Banks Jr.

November 21st, 2020 Seattle, WA DETAILS arrow_drop_down
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Through my wife's company, they have secured our health for over 15 years now, I have nothing bad to say about my coverage. The bills are always clear, and the network is easy to browse for services offered

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Laura Garza

November 19th, 2020 Houston, TX DETAILS arrow_drop_down
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I am insured with Blue Cross from my employer and their coverage is so affordable for my son and I. And most importantly, they’re accepted pretty much, everywhere.

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John Brown

November 17th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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I have had this insurance company for years without issue. Easy to use website and customer service.

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Rog

November 15th, 2020 Los Angeles, CA

I have worked with a ton of insurance companies and BCBS is pretty good. Their customer service is below average, but their insurance plans are actually pretty decent

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Teri M.

November 15th, 2020 Logan, UT DETAILS arrow_drop_down
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I have been very satisfied with BLueCross BlueSHield as our health insurance. If I ever have any questions, they are quick to answer and help me with any issues. The biggest headache I had was trying to get a preauthorization, but the customer service representative helped walk me through the hang ups and even got on a three way call with the doctor to help solve the problem. Our coverage has been good and we have been extremely satisfied.

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McKenzie

November 13th, 2020 Logan, UT DETAILS arrow_drop_down
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I have spent a lot of time on the phone with Blue Cross as we have a son being treated for leukemia. They have been so helpful and answered every question that has come up as we have navigated through this new diagnosis. They have well trained staff that have taken time to dig through our records and find the answers we are looking for.

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Ashton Rogers

November 13th, 2020 Fayetteville, AR

I have been using this company for many years, probably 10+, for health and dental insurance and it has never failed me! Everywhere I have been to accepts this insurance and the customer service is always great. I lost my cards one time and they quickly sent me new ones in the mail.

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Heather Barney

November 13th, 2020 Logan, UT DETAILS arrow_drop_down
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We have had BlueCross BlueShield for many years. Overall they have been a good company. My only frustration has been with them not covering certain medications.

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Logan McKee

November 13th, 2020 Austin, TX DETAILS arrow_drop_down
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Imagine being a very healthy family of 3 and having to pay a little over $500 a month on health insurance. Then, Imagine going for one 25-minute doctor visit and having to pay $165. Well, sadly this is the reality for my family. Health "care" in America is broken. It is disgusting how much money people pay. Dare I say, this is borderline corruption. My doctor was great, but the bills/payments from insurance are terrible.

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Jill Hunsaker

November 13th, 2020 Logan, UT DETAILS arrow_drop_down
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I had to change to Blue Cross because it was my husband’s insurance. They have always been so helpful and a good company to deal with!

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Jen

November 10th, 2020 Smithfield, UT DETAILS arrow_drop_down
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We have had a wonderful experience with BlueCross BlueShield. We have a daughter with special needs and they have accepted every doctor she has needed to see.

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Melissa

November 10th, 2020 Providence, UT DETAILS arrow_drop_down
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Great healthcare company. They work well with our claims and any time there has been an issue they have worked well with the doctor offices to figure the issues out.

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Amy Barrus

November 10th, 2020 Sandy, UT DETAILS arrow_drop_down
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Blue cross blue shield has taken care of our medical needs for the most part. I would like to see insurance companies, on the whole, care more about their customers and take care of them rather than having a nickel and dime approach. I like that BCBS pays 100% for immunizations.

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Cdavid

November 10th, 2020 St Louis, MO DETAILS arrow_drop_down
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BlueCross BlueShield is a superior insurance company, they are widely recognized and we have never had any issues with them. If we are away from home and needed medical attention we have always been covered even when in another state.

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Gbpe1

November 10th, 2020 Richfield, UT DETAILS arrow_drop_down
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I had been with them for some years through my employment. They were the first insurance company I never had a hassle with. They always paid timely and the contracted amounts. You could always see where you were on their website with regard to deductible and OOP limits.

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Samantha Holland

November 10th, 2020 Denver, CO DETAILS arrow_drop_down
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We are on the Federal BlueCross BlueShield plan and have not had any issues. The coverage is great. We have never had any complaints with the customer service. They are always friendly and helpful, giving help and tips when needed.