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Blue Cross Blue Shield is a renowned health insurance provider. With Blue Cross Blue Shield, customers can have access to great member resources. Customers can also purchase dental and vision coverage.

View BlueCross BlueShield Reviews

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

It oversees 36 different companies, all of which are locally operated. As a nationwide company in the health insurance marketplace, BCBS has helped about 105 million people with health insurance plans since its founding in 1929.

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The Good

  • Types of Plans Offered
  • Member Resources
  • Unique Features
  • Customer Service
  • Availability and Acceptance
  • Mobile App

Types of Plans Offered

Blue Cross Blue Shield insurance plans are nationwide and widely accepted at hospitals and doctor's offices. Coverage options range in every type-from PPOs, to HMOs, to HSAs, to even HRAs and FSAs. BCBS also offers indemnity, Point of Service (POS), and short-term health insurance plan. Of course, they have Medicare and Medicaid options as well.

The coverage and details of each of these plans depends 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 BCBS draw up a list of potential plans for you. 

In addition to health care coverage options, the some Blue Cross Blue Shield Plan offerings include dental insurance plans and vision insurance. The BlueDental plans include access to a network of 140,000 dentists around the US. It covers the basics, including preventative care, fillings, crowns, and braces. There is no deductible for a dental checkup with this plan and no deductible for preventative care. The percentage of coverage, however, depends on your specific plan and the state you live in. 

For vision insurance, the BlueVision plans are accepted at 3,000 retail locations around the US and function through VSP. Vision insurance here has the potential to save you 20 to 40% on your optometry bills. 

Member Resources

Blue Cross Blue Shield keeps up its positive reputation with members with both basic and advanced tools. On the basic level, BCBS has a member portal with the capability of tracking your claims 24/7. There's of course a member-dedicated phone number you can call as well, and members can contact the company at any time of day if needed. Through the BCBS website, members can download any forms they need, such as for filing claims. Even potential members have the ability to get a quote of their coverage options before committing to the company. 

As for advanced resources, members with Blue Cross Blue Shield plans have a lot to enjoy as well. BCBS goes above and beyond with their mobile app, to start out. While many health insurance companies have a mobile app just to access your patient portal, BCBS has one to help you find a doctor--both in terms of making sure a provider is in the BCBS network and in the sense that the app's GPS will give you directions to that facility. 

The AskBlue tool is also worth mentioning. It's BCBS's tool for giving you detailed information about their health plans. Should you want more than basic information, you can just "Ask Blue" and get the prices, coverage points, deductibles, premiums, and more.

This is a great tool to compare plans and find the best one for you. Finally, BCBS cares about the education of its members and shows this by providing articles about health care-including the confusing terms in health insurance, the changing laws, and more. This makes you feel more informed about health and your insurance. 

Unique Features

Blue Cross Blue Shield's network of doctors and specialists is gigantic. BCBS insurance is accepted all over the US. 96% of hospitals and 92% of doctors accept BCBS insurance. At most locations your medical bills will be covered in part by this company! 

Another unique feature of the Blue365 program. Through Blue365, members can receive discounts on all sorts of health-related products, such as workout clothes, weight loss programs, hearing aids, and pedometers. Blue365 saves you money and provides added motivation for you to get and stay healthy. 

BCBS also has tools like their mobile app and the AskBlue resource for finding out more about their health plans. 

BCBS is also noted for being very involved in health-related causes in the community. Through associations with the American Diabetes Foundation, the YMCA, and the Make-a-Wish Foundation (again, just to name a few), BCBS has made a big difference in encouraging health and making healthier lives a reality. 

Customer Service

The Blue Cross Blue Shield website is extremely detailed and full of resources for members and potential customers alike. For anyone who would benefit from it, they have general information about health care, health insurance, terminology, legal changes, and how all these factors affect people who need health insurance.

More specifically, though, through the website you can find answers to questions about actual health plans offered by BCBS. You can search for plans and get a quote, narrowing your search by location and the type of plan you're looking for. 

They answer 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. Should all of these resources not be enough, though, BCBS provides phone numbers, an email address, live chatting, and even a 24/7 secure inquiry form that you can submit to the company for personalized answers. 

In short, Blue Cross Blue Shield takes lots of different steps to meet the needs of customers all over the US. They are available 24/7 to members and have set up their customer service tools to be convenient, immediate, and of course, helpful-even in the details. 

Availability and Acceptance

BCBS is available in all 50 states, and over 90% of doctors and hospitals in America accept their insurance. BCBS insurance is accepted at 96% of hospitals and at 92% of doctor's offices. It goes without saying that this convenience alone trumps the hassles of lesser-known insurance plans.

Mobile App

The BCBS mobile app is slightly different from other companies' apps. Their Find a Doctor app not only helps you identify a doctor or hospital you can use your insurance at; it literally helps you find the location with its GPS ability.

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 BCBS and expect the same coverage percentages, out-of-pocket costs, and deductibles for any state. Prices are determined in part by location, which could work for or against you.

The Bottom Line

In many ways, it's not surprising that there are inconsistencies in health insurance plan details at Blue Cross Blue Shield. After all, the company is large, provides coverage nationwide, and has such an extensive history and reputation. 

Its growth has brought both positive and negative consequences. For example, it's positive that BCBS 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 BCBS doesn't micromanage each subsidiary. 

Long story short, BCBS is still a recommended health insurance option. They have some inconsistencies, but their benefits far outweigh these weaknesses. 

View Best Health Insurance Companies

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User Reviews

Star Rating

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270 Reviews

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Grady
August 16th, 2019 Rogersville, TN DETAILS
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They are always there and at times gone the extra mile to help with a problem.

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Steph H
August 16th, 2019 Boise, ID DETAILS
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I ve had to have discussions with them re tests they would not cover from my medicare annual visit..

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Steve Tischler
August 16th, 2019 Mays Landing, NJ DETAILS
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Great coverage and fast communication. My out of pocket is much lower now that I'm trying BCBS

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FRANCES L BEARD
August 16th, 2019 Olympia, WA DETAILS
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REASONABLE PRICES FOR A GOV EMPLOYEES. INFORMATIVE ; GOOD CUSTOMER SERVICE AMD WEBSITE

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George Nicoloff
August 16th, 2019 DETAILS
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Their monthly premium seems fair, they have rewards for preventative activities, Dental coverage and assisting programs.

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Jen
August 16th, 2019 Washington, PA DETAILS
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They are good. Like any other company, trying to talk to an actual person can be difficult

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Bryon
August 16th, 2019 Saint Paul, MN DETAILS
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Pretty easy to deal with, not as many hoops to jump through for approval with some procedures.

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Tanya
August 16th, 2019 DETAILS
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I canceled insurance, but they still charged me, I called to insurance four times, and asked for return me money back, but they just sent requests inside to company, and all the time request denied ( they don’t inform me, and I just spend at least 1-2 hours to call them

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Mike MC
August 11th, 2019 Boston, MA DETAILS
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Specifically took an out of network eligible plan so that I could have a wide variety of doctors to choose from. They had a higher deductible and out of pocket. Both aspects I was aware of when i signed up. Found a out of network doctor who fit my needs. All good. Paid him up front and then went to BCBS for reimbursement. This is where things go downhill. BCBS has "approved" rates for each ICD code. They were half of what the doc actually charged. Their argument - "this is what we think this code should be charged at in your area". Now the kicker, they would only take half of what I paid even towards my deductible and out of pocket calculations. Now i am stuck with a massive bill while having chosen from the terms clearly laid out upfront. Was this "approved rate" mentioned upfront - NO Did they already compensate themselves with a higher deductible for going out of network - YES Was this in their fine print which you would find after 3 hours of looking at 8 levels deep on their site - YES So why are they double compensating their bottom line? If you have an approved rate, then just have an open network with no concept of in or out of network. It's the profit gouging practices like this which will make me hate each and every executive in BCBS. You lost a customer. Not that it matters to you. I really hope the BCBS executives experience being middle class and being hit with a surprise medical bill that is a result of profit gouging through shady practices.

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Margaret Lynn
August 2nd, 2019 Alsip, IL DETAILS
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Be aware of blue cross blue shield Medicare advantage. Bad news if you get sick. My dad had cellulitis in his leg and needed to go into a nursing home rehab. The plan was to keep him there for 30 days of rehab. After 12 days the insurance discharged him . He barely can walk, both feet are completely swollen where he can't get his shoes on and he lives alone most of the time. He's so weak. How can they do that? Horrible and dangerous. Oh, he will get a nurse and therapy once a week. Big deal. What about the rest of the hours in the week. So unfair. The doctor didn't release him, the insurance did. He's paying a nice premium every month. Be very careful.

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Jamie
August 1st, 2019 Pittsburgh, PA DETAILS
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Thugs who make me pay for pretty much every doctor visit. I pay high premiums and have a very high deductible. I pretty much absorb all my health care costs while paying these thugs premiums. Get rid of for-profit healthcare. Bring medicare for all by now and join every other first world nation. Private insurance is 3rd world BS.

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Lois
July 30th, 2019 Clyde, NC DETAILS
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First; 3 times asked for home visit to be done with both my husband and me. He had dementia and was very confused. Nurse called and wanted to come to see me only I refused. Second: Now a few years later I am on a patch for neuropathy that they will no longer cover $$$ so instead I will be on two more oral medications?

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Maddison Long
July 29th, 2019 DETAILS
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This is an extremely lousy and deceptive insurance company that I would strongly not recommend. They sent me a letter offering greater coverage if I provided them data via a form. Once I did so, with zero mention in the letter, there was a surprise mandatory health clinic visit required where they wanted to take my blood and perform tests. When I told them I didn't want to proceed with the health clinic visit that was not at all mentioned in the letter, I requested that they delete my data I had provided them through the form and at first they refused to do so. It took several weeks of calls with Blue Cross, educating them on PIPEDA (our privacy laws) that they were knowingly and willingly violating to finally delete this data. Weeks later I became locked out of my account and had to call them and they let me know they "accidentally" deleted my account and had me re-create my account, wasting a lot of time because of their incompetency and unwillingness to follow our laws.

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Keeli Hansen
July 9th, 2019 San Jose, CA DETAILS
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Blue cross is great insurance they cover so much and I never have to worry when I get hurt or sick and have to see a doctor.

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Helen Locklear
July 8th, 2019 DETAILS
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Fair; the company paid its portion of the bill.

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Beth
June 27th, 2019 New Buffalo, MI DETAILS
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This company is trustworthy and pays my medical bills right away. I. Ave not had any problems with my medical bills.

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William Kyzer
June 27th, 2019 Hermitage, TN DETAILS
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Excellent service and excellent provider network

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Paige Baldwin
June 27th, 2019 Wellsville, UT

We used this insurance for awhile but had to change due to a job change. This insurance was great and provided great coverage and benefits.

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Rosann Stanko
June 26th, 2019 Logan, UT DETAILS
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We have enjoyed working with BlueCross BlueShield in the past. We did think that the cost to add a family was too much though. I did appreciate the patience the customer service department showed when I would call in and I had a question. They always treated me with dignity and made me feel that my questions were important.

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Dianna
June 24th, 2019 Encino, CA DETAILS
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It is good but doesn't cover everything.

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Greg Hanold
June 24th, 2019 Batesville, MS DETAILS
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Costs are too high for what you get

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Jason
June 24th, 2019 Draper, UT DETAILS
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This health insurance company always answers our questions immediately and helps us understand exactly what we are paying for, so I have had a positive experience with them.

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Danielle
June 21st, 2019 DETAILS
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We are not that pleased with BCBS. We pay more and get less, you have to jump thru hoops for the very few locations we can get our medications filled. It's just ridiculous..

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June 19th, 2019 DETAILS
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Have through work. Has had a number one of different options for policies. Liked having so many choices.

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Stephania
June 18th, 2019 Lockport, IL DETAILS
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I am looking for an alternative at this point. The premiums are ridiculous, the out of pocket maximums are unbelievable, and the billing service people don't have a clue about billing. I pay over $1300 a month for 2 people in their 40's. Our family out of pocket is almost $16,000. In March, I happened to log in online to look at some claim information and just happened to notice that my policy showed cancelled. I panicked because my husband was in the middle of arm surgery / infection treatment, and this was no time to not have insurance. After talking with BCBS billing/customer service for a week, they could not find a single piece of documentation showing who requested or why our policy had been cancelled. If I had not happened to log in that day and bring the situation to their attention, chances are they would not have paid the upcoming claims from our doctors and hospitals. Then 3 months later, I get an email stating my monthly draft is changing from $1300 to $2157. Again, I've not requested any changes to my plan. After the billing person threw out 4 different reasons for this, none of which made any sense at all, she finally put me on hold for about 20 minutes, and then said there is some discrepancy from 2016 in which we owe $800. And now she has to escalate it because she can't do anything about it. Another week of dealing with incompetent people. Not to mention all the stuff that isn't covered even though I have their most expensive plan. I am going broke on just a couple of arm surgeries.

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Teresa LeBaron
June 7th, 2019 Lake Villa, IL DETAILS
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Excellent coverage. Never had an issue with a claim. Most doctors in my area took this insurance giving us many choices.

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Trenton Prestwich
June 6th, 2019 Taylorsville, UT DETAILS
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Went through some surgical procedures and many Dr. visits. Getting them to pay what they owed was a nightmare and it is very much over price.

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E S
June 6th, 2019 Meridian, ID DETAILS
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Mostly excellent service and product. Certainly not perfect in all areas, but tries. Health insurance is very important. Overall has been good, but sometimes policies get in the way of providing good service.

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India Martin
June 5th, 2019 Raleigh, NC DETAILS
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I'm very very disappointed with this health insurance. I thought for sure this would be the one we could call the ONE ! Best INSURANCE BLUE VALUE BUT I GUESS NOT!!!!IF THEY FEEL LIKE U SHOULDN'T GET HELP WITH THE DISCOUNT THEY WOULD FIND AWAY TO SAY YOU MISS A PAYMENT OR SHOULD I SAY ALMOST ALL YOUR PAYMENT S. 3 OUT OF 5 NOW I DONT KNOW what happened with the Billing department on canceling our payments but its Okay Cause my Father Sits high and looks low .... HE KNOWS WHAT WAS DONE ITS OKAY ....THAT'S FINE TOO...😥

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Chris Giusti
June 5th, 2019 Manassas, VA DETAILS
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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.

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Nicole LeBaron
June 3rd, 2019 Provo, UT DETAILS
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BlueCross BlueShield Has great health insurance. As a college student it gave a lot of my prescriptions for free or really cheap! That’s huge for a college student. That has been the best benefit for me.

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Kimberli Shaner
June 3rd, 2019 Meridian, ID DETAILS
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Overall a good company. There are times when the customer service reps don't seem to understand situations but their supervisor helped.

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Liana
May 28th, 2019 Colorado Springs, CO DETAILS
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They have a decent spread of low-deductible and high-deductible options, and were the most affordable for me.

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Julie Kincaid
May 28th, 2019 Soldotna, AK DETAILS
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We have used Blue Cross for the past 10 years. They send out these handy statements periodically that let you know exactly the amounts they have covered on doctor visits and how close we are to meeting deductible. They have been excellent with their customer service whenever I needed to call them about coverage. Most doctors and pharmacies accept their coverage. I would recommend them wholeheartedly.

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Jacob Shaner
May 28th, 2019 DETAILS
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They have covered what was listed in the policy. Any time I have had to call them I usually end up having to talk to several people to sort out the right answer.

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Beth Farmer
May 24th, 2019 Pleasant Grove, UT DETAILS
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We've had BlueCross BlueShield in the past. They were easy to work when we had a baby at the hospital and we had lots of hospital bills to go through. They were accepted at any of our local hospitals in Utah, where we live. We've had other insurance companies where we'd have to go to a specific hospital or Dr's office because our insurance wouldn't be accepted. But, with BCBS it seems almost anyone accepted them. That was the biggest plus in being their costumer.

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Robert T Hoff
May 22nd, 2019 Rehoboth Beach, DE DETAILS
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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.

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Rosie Hansen
May 20th, 2019 Salt Lake City, UT DETAILS
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One of the best insurances!! They cover a lot, especially medical bills resulting from using the emergency room and also have very low co-payments.

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kerry perez
May 17th, 2019 Orem, UT DETAILS
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very good company to work with, service was on spot, customer service was easy to work with, all my cases were resolved timely and with no problems. My doctors liked dealing with them for all my claims

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BLF
May 16th, 2019 Pleasant Grove, UT DETAILS
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We have been with BlueCross BlueShield for several years now. They process my claims within 4-6 weeks and have been very helpful when any problems arise. I have had no problems contacting customer service.

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Becky Heward
May 16th, 2019 Mesa, AZ DETAILS
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Well known company, accepted by most physicians and hospitals. Have pretty reasonable rates and customer service.

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Alice
May 16th, 2019 Olympia, WA DETAILS
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Theyre absolutely useless. I have 2 insurances and BlueCross refuses to pay anything. Instead insisting that my other insurance foot the bill even though BlueCross is the primary. Because of this. Neither will pay and ive been paying for all of it out of pocket. On top of that, their customer service is so bottom of the barrel and useless that ive been redirected down countless rabbit holes over the last 2 years just to get my policy terminated. BlueCross BlueShield is by far, the most useless and detrimental insurance you could come across. Avoid it like the plague, theyd do the same to you.

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Michael Seth Manwaring
May 15th, 2019 Chandler, AZ DETAILS
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I've been part of the BlueCross BlueShield of Arizona network and the BlueCross BlueShield of Texas network. BlueCross BlueShield is widely recognized so I never had trouble using it at my chosen medical providers.

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Scott
May 15th, 2019 Orem, UT DETAILS
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If I had to describe my time with BlueCross BlueShield insurance I would say its just alright. The price is fairly high on monthly premiums and the deductible I had was quite high. The best part was the large network of physicians.

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Craig
May 14th, 2019 Orem, UT DETAILS
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My family is currently covered by BlueCross BlueShield and have yet to find a single issue with them after a number of years. They always cover what they say they will and we haven't had any issues with payment or approval for some procedures we have needed. I would recommend them to anyone!

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Lesha
May 14th, 2019 Stem, NC DETAILS
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insurance should work for the people i was getting my diabetic shots for $25.00 a month $75.00 for 3 months at my pharmacy with a coupon now i am told i have to go thru express script that will cost me $178.00 for 3 months cant do pharmacy but 3 times. this adds more cost to your customers on top of what we are paying already. why does it matter where we get meds filled if it save us money what i pay a month for insurance is already enough now they cant work with saving customers

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Dean
May 14th, 2019 Ogden, UT DETAILS
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We have enjoyed our BlueCross BlueShield health insurance provided through work. We have great options for doctors and clinics and they seem to cover a good portion of the visits. The price is great and we have always been happy with them.

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Evon Manwaring
May 13th, 2019 DETAILS
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BCBS has been our healthcare provider for years we are happy with the service and doctors that are covered under the plan we have.

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Reese
May 9th, 2019 Pleasant Grove, UT DETAILS
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BlueCross BlueShield has been my insurance in the past and I think that their number one selling point is quality of service and care. They also have a plan that doesn't have a lot of out of pocket expense as most of the care is included in the plans. They have great customer service and the professionals that I worked with were very comprehensive in their exams and treatment.

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Ashley
May 7th, 2019 Pleasant Grove, UT DETAILS
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I have had BlueCross BlueShield insurance since I was a small child living in Lexington Kentucky. I now live in Utah and carry the insurance. The benefits include discounts for things like Lasik, last minute travel club, hotels and resorts, fitness products, gym memberships and much more. I have enjoyed the stability of this insurance all my life and will recommend it highly.