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

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BlueCross BlueShield is also a parent company of other health insurance companies that provide BlueCross BlueShield health 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

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

Types of Plans Offered

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

Coverage options range in every type-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.

BlueCross BlueShield also offers Medicare and Medicaid plans. Its Medicare plans include Medicare Supplement plans (Medigap), Part D (prescription drug plans), and Medicare Advantage plans. Medicare Advantage plans offer the coverage of Medicare Parts A and B in a single health plan. To qualify for Medicare, individuals generally must be at least 65 years old.

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 BlueCross BlueShield draw up a list of potential plans for you.

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.

Unique Features

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 hospitals and doctors in-network. Treatment and other medical services you receive from these provides 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 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.

Customer Service

The BlueCross BlueShield website is extremely detailed and full of resources for members and potential customers alike. For anyone who would benefit from it, it has 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 BlueCross BlueShield. 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 provider network access, however, does depend on the individual health plan.

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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 health 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 health insurance option. 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-(844) 479-1697

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User Reviews

Star Rating

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295 Reviews

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Tony
November 12th, 2019 Riverton, UT DETAILS
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Had Blue Cross/Blue Shield for a number of years while living in Idaho. Provider network and customer service were both pretty good.

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Brenda Mertes
November 11th, 2019 Houston, TX DETAILS
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I have never had any issues with this company. They are decently priced and cover a multitude of tests and procedures that my family has needed, without hassle. They are also very cooperative with my son's doctors when a peer-to-peer review is necessary.

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Eric Smith
November 8th, 2019 Riverton, UT DETAILS
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Great options to choose from and easy to work with to find doctors for our family.

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Eric
November 4th, 2019 Chandler, AZ DETAILS
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The company I worked for used BCBS as the plan administrator. The company was self insured. Far too many times claims were denied by BCBS that were allowed by the previous administrators. Example: My doctor and I read the report after the peer-to-peer was denied (final step of appeal) and couldn't believe what we read. BCBS found a doctor in their BCBS Florida network to write that a RFA would be unsuccessful if the back was fused at any location. My wife's back is fused L4-S1 and the RFA was at the T5-7 area. We worked a payment with the doctor, but considering the RFA was so successful my wife stopped her Oxys, it was worth it. Now that we're Medicare, which covers RFAs, we will never use BCBS for a Medigap policy. RFA, Radio Frequency Ablation, is a procedure where a probe inserted in the spine zaps a nerve to "numb" it, lasts about 18-months. Doctor claims are around $2200, of which insurance allows about $800. Maybe if insurance companies paid for procedures like this fewer people would be on pain pills.

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Sam Tilbury
October 31st, 2019 Wichita, KS DETAILS
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They are literally the worst company that you can have as your insurance provider. It's the most expensive with the worst service. I get snarky responses from everyone I speak to at BCBS. My policy is nearly $500 a month and hasn't covered anything at all. I had a painful bleeding lesion on my head and had to have it cut off, NOT COVERED! Every time I go in, nothing is covered by insurance. It's a total scam. When I have called in for help with my policy, the just tell me to read it myself. What a horrible experience and a huge waste of money. Pick a different company!

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Mary Smith
October 28th, 2019 Chester, SC DETAILS
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They try to get out off paying claims! They try to over rule your Doctor by requiring pre approval for needed medication or forcing you to take sub par med and failing two cheaper meds before allowing the meds your doctor recommends because the are needed or work better..

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annemarieflora
October 28th, 2019 DETAILS
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Have Blue Cross for 20 years now. Premiums are reasonable and my doctors are in the plan.

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October 17th, 2019 Ocala, FL DETAILS
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Terrible experiences! BlueCross will not pay our dr. for their portion after Medicare. We have contacted them over and over again and get nothing but excuses or even "I don't know why we didn't pay that" but still would not pay it. We have shown them proof of our jumping through the hoops to get them to pay but they still stall and don't pay. I have paid the dr. myself many times because they keep stalling and it is not fair to my doctor. The plan I have, I am not suppose to pay any co pay. My premium to BlueCross are is paid every month on time and are high. I am dropping BlueCross.

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Tony Gibson
October 11th, 2019 American Fork, UT DETAILS
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I had BlueCross BlueShield for a couple of years and thought they did a great job supporting us as we needed to use them. They were responsive and quick to pay. They didn't have as large of a network in my area as I would have liked but we were able to make it work.

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Rob Lundquist
October 11th, 2019 Alpine, UT DETAILS
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I have had blue cross blue shield for years and I’m always impressed how many medical providers are on their preferred listings.

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Jon Scoresby
October 10th, 2019 Saratoga Springs, UT DETAILS
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The coverage from Bluecross blueshield was good. The only problem is that they do not cross state lines very well. We traveled to another state and needed some medical attention and there was difficulty getting things ironed out over that claim.

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ave
October 9th, 2019 Pleasant Grove, UT DETAILS
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We currently have BlueCross BlueShield for our health insurance. They have many physicians to choose from and they have a great co pay as well. We have been really happy working with them for our health needs.

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Chris Briones
October 8th, 2019 Goleta, CA DETAILS
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Blue cross calls me to make sure I don’t miss going to the doctor and they are very happy to help and get you information you may need.

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Amy Boren
October 7th, 2019 American Fork, UT

We were searching for private insurance and got an estimate. It was so much higher than the other companies that we looked at that we went with another company.

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Karen Jorgensen
October 7th, 2019 Washington, UT

When we had BCBS, I loved our coverage! They covered a wide variety of providers and services and were prompt in paperwork.

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Becky
October 3rd, 2019 Livingston, TX DETAILS
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My husband is retired however we are blessed with BCBS of Texas through his former employer. He pays nothing for his and the cost for mine seems to be very reasonable. We are overall very pleased with the coverage.

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Ashlyn Cann
October 3rd, 2019 Alpine, UT DETAILS
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Most amazing insurance I ever had. They were fantastic and covered everything. The customer service was especially helpful. No hoops to jump through.

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Cynthia Carman
October 2nd, 2019 American Fork, UT DETAILS
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Although it was very many years ago that I used this insurance, it was a positive experience, no major issues with the billing process.

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Sherry Arnold
October 2nd, 2019 Alpine, UT DETAILS
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We are fairly new to Blue Cross Blue Shield but we haven't had any problems at all. All of our favorite healthcare providers accept this insurance.

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Garn L. Arnold
October 2nd, 2019 Alpine, UT DETAILS
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This is my new health insurance from my company. WE had a different health carrier for the past few years but the company switched to BCBS because they offer more for the premium. So far so good.

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Pam Robello
October 1st, 2019 Marysvale, UT DETAILS
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This is the insurance we used to have. The were GREAT! We could do whatever tests the doctor wanted/needed done without any pre-approval. They would pay their share without any issues at all

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Amy Decker
October 1st, 2019 Bloomington, IN DETAILS
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We have used Blue Cross Blue Shield for our health insurance needs for many years. We have never had an issue with claims. We love that the company now offers an app, with instant and easy access to our account. With few exceptions, we have felt that the coverage is good, with good options and choices for providers.

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Chris
September 27th, 2019 Parrish, AL DETAILS
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My husband and I have been fighting with blue Cross and blue shield for a while now. My husband and I have been seeing a doctor for about a year now and we have gone in for different appointments and procedures and everything had been fine and covered until June when my husband had a procedure scheduled. We called ahead to Blue Cross to get preauthorized for my husband's procedure, before calling Blue Cross we talked to our doctors billing department and they gave us the billing codes which we then gave to Blue Cross. When we called, the representative from Blue Cross stated that the procedure was covered and we asked if there was anything else we needed to do which he stated No, everything was covered. A few weeks after the procedure we found out that Blue Cross denied the charges stating we did not have a referral, we explained that when we called there was no mention of a referral and we had not needed one for any of the prior visits or procedures. We had a referral submitted and Blue Cross responded with, too much time had passed and so they are denying the claim. In an attempt to file an appeal we contacted Blue Cross and asked for transcripts and any other supporting documentation involved with this particular claim. They explained to us that we would have to submit a written request and we would have to pay them $40 for the information we are requesting.

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Rene Ayala
September 25th, 2019 Jarrell, TX

Well every time I have to call this guys First for start the people how answer the phone You can ask for some information about your company And they never know nothing about They always tell you Your company that’s not have that program They take to long to answer the phone and when that happen you will end up with to much frustration Because of their job Secondly and list importan They take to long to aprove something

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Allen
September 25th, 2019 Las Cruces, NM DETAILS
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Expect to wait on hold for 30 minutes at a time before having customer service hang up with out saying anything. Repeat this several times and you MIGHT get a person. Not worth the aggravation!

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kristin Gneiting
September 16th, 2019 Pleasant Grove, UT DETAILS
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When I was first married my husband and I lived back east and our insurance was BlueCross BlueShield. We were well taken care of especially after our first birth of our son at Humana Hospital. We had some complications and the representative we worked with was so helpful in getting all of our benefits and all of the customer service reps were awesome!

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Madison Scott
September 13th, 2019 Pleasant Grove, UT DETAILS
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I never felt a strong connection to anyone from BC/BS. It was just a bill we paid every month. Very little costumer service.

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Sara Smith
September 11th, 2019 Arlington, TX DETAILS
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I will tell you from 1st hand experience, this is the worst insurance ever!!!! They do not keep up to date with National Coding Guidelines. Deny claims when they shouldnt. Request refunds instead of reprocessing claims. This used to be the best and has now worked their way to 1 of the worst!!! If you want an insurance that processes your claims timely and correctly, go elsewhere. This is NOT for you! If you want to do unnecessary foot work and have time to waste by all means......apply to BCBS!!

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Betty Y
September 9th, 2019 Rogers, AR DETAILS
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This is horrible insurance, it doesn’t cover cost of medication. Customer service won’t reply and when they did finally it was so rude and disrespectful! I am looking into new coverage now. I am sure they won’t post this but by the slim chance they do, any customer concern should be treated with respect! Lord forbid I get sick and need this till I can change care!

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Chronic migraine sufferer
September 6th, 2019 Gurnee, IL DETAILS
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I purchased COBRA coverage between job changes for a month. BCBS rescinded all of my prior authorizations for medication, and then, they drug their feet approving the medications again so that I couldn’t get them on time and fill them the two times I should have been able to under my paid insurance plan. Really crappy thing to do when people need their medications and pay for insurance for that purpose. Worst part-I will still have the same coverage at my new job. BCBS jerks.

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Jerry &Janette Jack
August 26th, 2019 DETAILS
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Overall, they are excellent. I have had them on/off since the 1980's and they have improved vastly in that time.

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Chery Steffey
August 26th, 2019 DETAILS
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Like them they are helpful with referrals and our plan has lots of room to make our own decisions. They could improve their negotiating skills with UPMC

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aaron
August 26th, 2019 DETAILS
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Coverag acceptance ease of getting answers to questions

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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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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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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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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.