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.

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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

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User Reviews

Star Rating

3.8
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517 Reviews

Review Breakdown

5 star
44%
4 star
26%
3 star
9%
2 star
7%
1 star
15%

Sentiment Criteria

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Brian Johnson

October 29th, 2020 Newport News, VA DETAILS arrow_drop_down
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I love the co pay insurance that I have and I have never had a problem with billing or coverage

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Lisa White

October 29th, 2020 Taylor, MI DETAILS arrow_drop_down
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We have always had a large selection of Doctors and facilities to choose. You can pick your plan and personalize it for the family.

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Kathy Faustin

October 29th, 2020 Jacksonville, FL DETAILS arrow_drop_down
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This is the only health insurance I’ve ever used and is has saved me from spending hundreds of dollars after my appointments!

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Brandy

October 29th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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I currently have BCBS and this company is amazing. The customer service is very quick and helpful. Whenever I go to the doctor's office there is never an issue when it comes to my insurance. One thing I love about BCBS is also the variety of doctors that they have available.

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Danielle Powell

October 26th, 2020 Gulfport, MS DETAILS arrow_drop_down
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I love the fact that I can earn wellness money for doing things that I need to do. I can use this money for copays and meds. In addition I feel like I can persue wellness visits to stay healthy.

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Vglasman

October 22nd, 2020 , DETAILS arrow_drop_down
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Have had BCBS for over 4o years, love love love it, NEVER EVER a problem. They were there for us through Cancer without a problem.

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Michelle Hall

October 22nd, 2020 Magnolia, DE DETAILS arrow_drop_down
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A little high on the cost side. The dental portion and vision portion of the plan is poor. You must have supplemental coverage.

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Mo

October 20th, 2020 Providence, RI DETAILS arrow_drop_down
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Rhode Island region healthcare coverage is great! But patient portal is not intuitive. It's unclear what you actually owe as a co-pay, but the insurance coverage is so good that it's usually $0-10.

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Anne

October 19th, 2020 Tallahassee, FL DETAILS arrow_drop_down
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BlueCross BlueShield has amazing plans that provide great coverage. And they have a great variety of providers. Very cheap out pocket expenses and my deductible is not high at all.

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Sks1969

October 19th, 2020 Carlisle, PA DETAILS arrow_drop_down
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Absolutely love our Blue Cross Blue Shield coverage! We have had them through different employers and Have never had an issue with the company. Our only issues were the coverage that our employer chose

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Mike Xavier

October 18th, 2020 Rocklin, CA DETAILS arrow_drop_down
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Service providers in this network are awesome! Customer Service for Blue Shield is also great! Very happy with them!

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Katie Scranton

October 16th, 2020 Rochester, NY DETAILS arrow_drop_down
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The only thing I don’t like is my in network deductable. My copays are a little high

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Mark McKeown

October 16th, 2020 Raleigh, NC DETAILS arrow_drop_down
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Have a BCBS Medicare Advantage plan and it is expensive, the provider network is somewhat limited, and customer service is difficult to get. Their online app is great though. And it is recognized most everywhere

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Brittney Veillon

October 15th, 2020 Denham Springs, LA DETAILS arrow_drop_down
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Always makes our rates and our prices better can not find any better insurance for my health

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Basil48

October 14th, 2020 , DETAILS arrow_drop_down
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Have had coverage with BCBS for over 30 years. Excellent service and options. Medical part is exceptional. Dental and vision parts are adequate. BlueCross recognized everywhere, even overseas. In combo with MedicareIns coverage for all medical procedures is 99.9% paid by insurances.

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Kelly Zemrose

October 13th, 2020 Tampa, FL DETAILS arrow_drop_down
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I've had only good experience with them so far. Customer service is decent surprisingly. And the cover most doc

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Michelle Alagna

October 11th, 2020 Glendale, AZ DETAILS arrow_drop_down
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I like BCBS because the insurance is pretty much accepted everywhere. I just wish it were more affordable.

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Allee Wassmer

October 7th, 2020 Lehi, UT

Very great insurance never had an issue pretty good coverage. Nice customer service and very helpful.

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Liv

October 6th, 2020 Plainfield, NJ DETAILS arrow_drop_down
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Joke of a company. Constantly change policies and make it impossible to get the medication NEEDED. No help at all or explanation. Avoid and find a better company.

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Sharon Lester

October 5th, 2020 , DETAILS arrow_drop_down
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Less expense than other medical insurances just need better understanding of the website. Hence the 4 stars.

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RJ

October 4th, 2020 Calhoun, LA DETAILS arrow_drop_down
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So far the service is always great, you know what coverage you have, no guess work there, and the customer service is great!

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Kevin

October 1st, 2020 Phoenix, AZ DETAILS arrow_drop_down
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I will start with I have never dealt with a company that is so hard to get a human on the phone not to mention one of the worst aitomated systems I have ever worked with. It cannot decifer the difference from 0 to a U. I would not recommend working with an establishment you cannot get a hold pf. Also my wife wprks pn verification which is another angle blue cross and blue shield struggle with. I would reach out to USAA to acquire a real interactive system.

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Michele Heist

October 1st, 2020 Jacksonville, NC DETAILS arrow_drop_down
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I had BCBS for several years as my primary insurance. I never had a problem with getting my claims paid.

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Jim Ballantyne

September 30th, 2020 Slidell, LA DETAILS arrow_drop_down
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A huge company that has good customer relations and service. I travel a lot and often need medical service when I am not home. The have helped coordinate the refilling of medications and have given me names of local providers who are quick to relay my information back to my home base quickly. A national company with local service values. I am since retired and my company pays the majority of my wife's and my cost.

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odessa wright

September 23rd, 2020 Lufkin, TX DETAILS arrow_drop_down
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BCBS is a nice company for insurance services. I have not had a lot of conflicts . If I have questions I call and the

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Matters

September 23rd, 2020 Norfolk, VA DETAILS arrow_drop_down
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Not a bad experience. They cover what you pay for. I only had difficulty with talking to their representatives. It’s difficult to reach anyone by phone. Wish they made this process more user friendly

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Arrianna Buttram

September 22nd, 2020 San Bernardino, CA

My experience with Blue Shield has been the worst. I will recommend or renew with this insurance provider. In July of 2018, I was taken to the ER in Nevada to Sunrise Hospital for immediate treatment. I had given all the proper documentation with correct Blue Shield insurance information - to the Sunrise Hospital. I ensured I paid the ambulance bill, which blue shield covered.

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boscoe16

September 20th, 2020 Ladson, SC DETAILS arrow_drop_down
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So far so good. Very helpful on claim information and any other issues I have had.

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MiKE McWilliams

September 19th, 2020 Little Rock, AR DETAILS arrow_drop_down
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Fair Rates, dependable claim service. Know they will always insure Arkansans and pay claims.

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Jaci Rhoades

September 16th, 2020 Bryant, AR

I have had blue Cross blue shield insurance for over 10 years. It is the best health insurance coverage I have ever had. I have a small deductible for a large family. Also, I never have any issues when a claim is made for my insurance to cover something.

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Alice Mejia

September 16th, 2020 Montgomery Village, MD DETAILS arrow_drop_down
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I have had blue crosd for 15 years i will never change. Always good customer service

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Nathan

September 15th, 2020 Broomfield, CO DETAILS arrow_drop_down
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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!

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Robert Okray

September 15th, 2020 Orlando, FL DETAILS arrow_drop_down
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I currently use BlueCross BlueShield and they have been awesome. Health insurance is very affordable.

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Dave_

September 14th, 2020 Layton, UT DETAILS arrow_drop_down
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The insurance was good. There was a data breach when I was insured through them. But they did what was necessary to inform us of the breach. Overall the insurance was good.

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Suravi Chakraborty

September 13th, 2020 Spring Hill, FL DETAILS arrow_drop_down
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I’ve been with the Blue Cross Blue Shield long time I love my insurance the most thing I love about it covers my primary doctor only the one problem I guess they don’t cover some of my medication the service and the customer service experience and knowledge it’s really good

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Norma Grove

September 12th, 2020 Iowa City, IA DETAILS arrow_drop_down
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We have been customers with BC/BS off and in through our employer as teachers. We have since retired and have chosen them for our supplemental insurance as well due to their reputation and coverage. We feel they do a good job covering most of our medical needs. Our only disappointment is that our chiropractic care under our BCBS when employed was covered and now as a supplement it is not covered. But we find them fairly cooperative and friendly to deal with and their networks extend to most places in the US and abroad.

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Brittany Wilkinson

September 12th, 2020 Herriman, UT DETAILS arrow_drop_down
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I always had BlueCross BlueShield growing up. They always took great care of our family and when I got married I knew that I wanted to continue using this company I had grown to trust. They are a great insurance company and paid my medical claims in a timely manner. They also have a great network of approved doctors.

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Dayna

September 12th, 2020 Riverton, UT DETAILS arrow_drop_down
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I wasn’t that impressed with Blue Cross Blue Shield as an insurance company. They have limited doctors in their network and seem to try to get out of paying for a lot of things.

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Wayne Young

September 10th, 2020 Little Rock, AR DETAILS arrow_drop_down
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I have never had any problems with my health insurance thanks to BCBS. They always cover my expenses just as promised. They provide good and thorough information in the mail about any claim also.

Verified Customer

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stanley hrincevich

September 8th, 2020 Littleton, CO DETAILS arrow_drop_down

Very efficient claim service. Payment of claims have very few jokes. Customer service excellent would like to see accountability of doctors that provide poor service for problems with surgery that eventually cost Blue Cross tens if not hundreds of thousands of dollars

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Diana Ploeger

September 7th, 2020 Oakley, UT DETAILS arrow_drop_down
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Company provided good information regarding areas covered and not covered along with co-pay and documentation requirements. Customer service personnel tried their best though sometimes required additional help from a supervisor and then would call me back with the updated information. They were responsive to my inquiries.

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phillip cobb

September 5th, 2020 Greensboro, NC DETAILS arrow_drop_down
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great service, high dental plan and high eye care plan, outstanding doctors and hospitals

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JP

September 4th, 2020 Herriman, UT DETAILS arrow_drop_down
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Great coverage, decent monthly premium. Easy to work with then I had a question about a claim.

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Danielle LeCheminant

September 3rd, 2020 Lehi, UT DETAILS arrow_drop_down
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Our coverage was good with the high deductible plan that my husband's work offered.

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Tiauna Anderson

September 3rd, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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Blue Cross Blue shield has been our insurance company for five years now and we definitely recommend them! I've had some billing issues from my maternity doctor and the customer service department helped me get them all fixed. They are great.

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Kathleen D Huber

September 3rd, 2020 San Diego, CA

Blue Cross Blue Shield was my primary insurance for years until I became eligible for Medicare. It’s great insurance and I rarely pay any out of pocket expenses except for any prescriptions I may require.

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AF

September 3rd, 2020 , DETAILS arrow_drop_down
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For the most part we've been happy with BCBS. However, I did have a recent experience when I had found a doctor in network (on their website) and then 2 weeks later at the appointment, he was no longer in network! Somehow, the doctor was no longer on their website. I'm not sure if this is something that BCBS could even control, but it would have been nice if they would alert or let me know that it had changed.

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Patricia Pletcher

September 2nd, 2020 Annapolis, MD DETAILS arrow_drop_down
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The best part of BCBS it is so greatly accepted. I have a great choice of health care professionals and squabbling over costs is almost negligible.

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Brandi Wilhoit

September 1st, 2020 Fairfax, VA

I had this insurance company from the time I was a child until I was 18. They have always been great at covering cost. Now the medication copay is outrageous.

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Charlene Devine

September 1st, 2020 Englewood, FL DETAILS arrow_drop_down
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Customer service
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Company trustworthiness
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So far so good, cost is high compared to MA health care providers for what you cover and downt cover.