Claim this Profile

BestCompany.com is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.

Are you a representative

of this company?

Claim this Profile

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.

Top Ranked Companies

company logo
#1 Oscar chevron_right
7.1 Overall Score
3.4
starstarstarstar_halfstar_border
(500)
company logo
#2 Cigna chevron_right
5.9 Overall Score
2.6
starstarstar_halfstar_borderstar_border
(130)
company logo
#3 Ambetter chevron_right
5.9 Overall Score
1
starstar_borderstar_borderstar_borderstar_border
(666)

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

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. See our How We Rank page for more information regarding our ranking algorithm.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify our review moderation team.


User Reviews

Star Rating

3.6
starstarstarstar_halfstar_border

257 Reviews

Review Breakdown

5 star
36%
4 star
29%
3 star
9%
2 star
7%
1 star
19%

Sentiment Criteria

Value for your money
starstarstarstar_halfstar_border
Quality of product or service
starstarstarstar_halfstar_border
Customer service
starstarstarstar_halfstar_border
Company trustworthiness
starstarstarstar_halfstar_border
search cancel
starstarstarstarstar
Keeli Hansen
July 9th, 2019 San Jose, CA DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar
Helen Locklear
July 8th, 2019 DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Fair; the company paid its portion of the bill.

starstarstarstarstar
Beth
June 27th, 2019 New Buffalo, MI DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

This company is trustworthy and pays my medical bills right away. I. Ave not had any problems with my medical bills.

starstarstarstarstar
William Kyzer
June 27th, 2019 Hermitage, TN DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Excellent service and excellent provider network

starstarstarstarstar
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.

starstarstarstarstar_border
Rosann Stanko
June 26th, 2019 Logan, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
Dianna
June 24th, 2019 Encino, CA DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

It is good but doesn't cover everything.

starstarstar_borderstar_borderstar_border
Greg Hanold
June 24th, 2019 Batesville, MS DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

Costs are too high for what you get

starstarstarstarstar
Jason
June 24th, 2019 Draper, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar
Danielle
June 21st, 2019 DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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..

starstarstarstarstar_border
T
June 19th, 2019 DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Have through work. Has had a number one of different options for policies. Liked having so many choices.

starstar_borderstar_borderstar_borderstar_border
Stephania
June 18th, 2019 Lockport, IL DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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.

starstarstarstarstar_border
Teresa LeBaron
June 7th, 2019 Lake Villa, IL DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Excellent coverage. Never had an issue with a claim. Most doctors in my area took this insurance giving us many choices.

starstar_borderstar_borderstar_borderstar_border
Trenton Prestwich
June 6th, 2019 Taylorsville, UT DETAILS
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

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.

starstarstarstarstar_border
E S
June 6th, 2019 Meridian, ID DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstar_borderstar_borderstar_borderstar_border
India Martin
June 5th, 2019 Raleigh, NC DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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...😥

starstar_borderstar_borderstar_borderstar_border
Chris Giusti
June 5th, 2019 Manassas, VA DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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.

starstarstarstarstar
Nicole LeBaron
June 3rd, 2019 Provo, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
Kimberli Shaner
June 3rd, 2019 Meridian, ID DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Overall a good company. There are times when the customer service reps don't seem to understand situations but their supervisor helped.

starstarstarstarstar_border
Liana
May 28th, 2019 Colorado Springs, CO DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

They have a decent spread of low-deductible and high-deductible options, and were the most affordable for me.

starstarstarstarstar
Julie Kincaid
May 28th, 2019 Soldotna, AK DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
Jacob Shaner
May 28th, 2019 DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar_border
Beth Farmer
May 24th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstar_borderstar_borderstar_borderstar_border
Robert T Hoff
May 22nd, 2019 Rehoboth Beach, DE DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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.

starstarstarstarstar
Rosie Hansen
May 20th, 2019 Salt Lake City, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
kerry perez
May 17th, 2019 Orem, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

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

starstarstarstarstar_border
BLF
May 16th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar
Becky Heward
May 16th, 2019 Mesa, AZ DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Well known company, accepted by most physicians and hospitals. Have pretty reasonable rates and customer service.

starstar_borderstar_borderstar_borderstar_border
Alice
May 16th, 2019 Olympia, WA DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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.

starstarstarstarstar
Michael Seth Manwaring
May 15th, 2019 Chandler, AZ DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
Scott
May 15th, 2019 Orem, UT DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar
Craig
May 14th, 2019 Orem, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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!

starstar_borderstar_borderstar_borderstar_border
Lesha
May 14th, 2019 Stem, NC DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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

starstarstarstarstar_border
Dean
May 14th, 2019 Ogden, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar
Evon Manwaring
May 13th, 2019 DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

BCBS has been our healthcare provider for years we are happy with the service and doctors that are covered under the plan we have.

starstarstarstarstar
Reese
May 9th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar
Ashley
May 7th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstar_borderstar_borderstar_borderstar_border
Michael Snow
May 6th, 2019 Spring Creek, NV DETAILS
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

My 10 yo boy was diagnosed with type 1 diabetes. I was informed by my insurance that his medication would be covered at 100% because it is a maintenance medication and he can't live without it. LIE. He is required to take shots before every meal, snack, too high, and a separate shot altogether at night to keep him somewhat balanced throughout the next day. not to mention the chaos of the BGL when he is sick. He is consistently having to stick himself to get a reading. We try to get a continues BGL monitor not just to help him but help my wife and I to keep our jobs when he is out for the summer from school (his school nurse is amazing). We got denied because they said that it is medically unnecessary. A unrelated surgery he had on his knees and had to get screws in place. They covered that surgery but then he had to get the screws removed and they wouldn't cover that surgery. My pregnant daughter 21 yo was having blood clotting issues in her lungs because we found out that she is protein C and S deficient. She had to continually take blood thinning shots in her belly. 3 times we had to admit her to the hospital because insurance would refuse to pay for her prescription. I have 3 other stories to add to this and this had all been in 2018-2019

starstar_borderstar_borderstar_borderstar_border
P
May 2nd, 2019 DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

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

starstar_borderstar_borderstar_borderstar_border
Steve E.
April 28th, 2019 Evansville, WI DETAILS
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Darn! We got stuck with Blue Cross Blue Shield of Michigan again. I checked their internet site and it said go ahead with the physicals for my wife and I at UW Health Hospital. Well we did get the physicals and also got a bill for a Couple of thousand dollars. When I called them and said their site said it was ok they said NO. You have to call them on the phone to get approved first. So be very careful and document anything you want done and I would call and get approved by at least 2 different people, get their names and have them email you the approval for doctor visit.

starstarstarstarstar
Amal Sweis
April 16th, 2019 Little Rock, AR DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I am with this company their customer service is excellent and they have offices that can be reached easily and you are welcomed when you get there, and they offer you coffee and water while you wait in a clean relaxing environment.

starstarstarstarstar_border
Matthew Driggs
April 12th, 2019 Salt Lake City, UT DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

My company has used Blue Cross as its health insurance provider. They are good to work with but we haven't gone with them lately because of price. overall good experience just a little to expensive compared with our current company (Select Health)

starstarstar_borderstar_borderstar_border
Desiree
April 9th, 2019 Springfield, VT DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

This is the worst insurance me and my husband have ever had. With a high deductible of 10,000 and the only coverage that gets 100% without meeting the deductible is preventative. The reason i'm giving such a bad review is i learned that prenatal care is considered preventative. Blue Cross does not consider prenatal care preventive and will not cover one visit until we meet our $10,000 deductible. This does not include our premiums that my husband and i pay each month. There is no point in having this insurance when they cover nothing but a routine physical. i should just save the premium and put in into a health savings account. Blue Cross Blue Shield is the worst insurance company out there.

starstar_borderstar_borderstar_borderstar_border
Lori Vanderkam
April 4th, 2019 Wayland, MI DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I have used Blue Cross for over ten years but will never use them again. In short, the use their ability to restrict coverage via their “investigational” terminology. I thought that our outrageous premiums provided protection but it does not. I hope and pray we go to a single payer system that minimizes this type of fraudulent behavior.

starstar_borderstar_borderstar_borderstar_border
Steve Wayne Giles
March 26th, 2019 Macomb, MI DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Too expensive i have bad asthma and sinus and allegries all my meds went up 2 to 3 time the cost. I cant afford them no more. Dont get it you wont be able get what you need.

starstar_borderstar_borderstar_borderstar_border
Amanda Jordan
March 21st, 2019 Austin, TX DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

They made a mistake and billed my old policy, and cancelled my new policy. I've been paying every month and didn't find this out until I was sick with a fever of 103 trying to get in to see a doctor. They made it impossible for me to see a doctor because the billing office was already closed. They couldn't help me that day, but said they would call back the following day to figure it out. Two days later they call me back to tell me that they can't help me with my request, and that I would have to jump through hoops to fix their mistake on my end before I would be able to see a doctor. I had to pay out of pocket for a doctor and my medication because they canceled my insurance even though I had been paying monthly. Also, it tells you that it covers one thing (example:birth control 100% cover) when you are enrolling, but after you sign up, your coverage magically changes.

starstarstar_borderstar_borderstar_border
Antoine Bell
March 20th, 2019 DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstarstarstarstar_border

Blue Cross Blue Shield overly scrutinize prescription coverage to the point of nickeling and diming it's customers. They are very inconsistent when it comes to what is covered. You can have a prescription that is covered one month and the next month it's not. Moreover, their automated phone handling service for incoming customer calls is confusing and wastes a lot of time for it's customers which results in unhappy and frustrating customer call. For the amount of money we pay, we deserve better prescription coverage and better first impression phone handling.

starstar_borderstar_borderstar_borderstar_border
Emily
March 7th, 2019 San Diego, CA DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

BCBS is the worst Health Insurance company I've ever experienced. 2 Knee surgeries in a year and they refused to pay for barely any physical therapy. I paid over 4000 dollars for REQUIRED physical therapy. They are extremely slow to follow up or don't call at all, and repeatedly gave me incorrect information of who I needed to contact to get appeal information.

starstar_borderstar_borderstar_borderstar_border
WLF
February 22nd, 2019 Mebane, NC DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Having ro change most of my Drs. as BCBS dropped Duke/Wake Med,had to argue multiple times to get necessary procedures covered one timw they pay the next they don't.They have lowered premiums but a procedure I had done in 2018 that cost me 1400 i now have to have on my other side one year later at same facility exact procedure on plan they said was comparable to my last year's which they no longer offer by the way is costing me over 2400 how is this comparable.I am so sick of this company NC insurance regulators need to do in depth audit of all this companies files .

starstar_borderstar_borderstar_borderstar_border
Carl Reidemeister
February 19th, 2019 Old Lyme, CT DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I have never seen such a poorly run insurance company. In an effort to research my costs prior to seeing a dr, I was told by the dr that I could call my carrier to find out the cost for various ppt codes that they get paid by BCBS. I spent the better part of an hour on the phone with several reps who ran me thru the ringer and would not give me the info I needed. Not only is the premium amount crazy but the service is horrible. I would never recommend this company.