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.

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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

  • 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 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 plans (Medigap), Part D (prescription drug plans), and Medicare Advantage plans. A Medicare Advantage plan offers the coverage of Part A and Part B (Original Medicare) in a single health plan. Medicare Advantage plans are also called Medicare Part C.

Medigap plans can be purchased to help pay for Part A copayments. 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.

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 a network provider. Treatment and other medical services you receive from these providers 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, 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 health care provider network access, however, does depend on the individual health plan.

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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

3.6
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368 Reviews

Review Breakdown

5 star
37%
4 star
29%
3 star
10%
2 star
7%
1 star
18%

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Janine Murphy

January 27th, 2020 DETAILS arrow_drop_down
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I have had this coverage for the last 6 years and have had all services covered and help in securing assistance.

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Margaret Pearson

January 27th, 2020 Lebanon, IL DETAILS arrow_drop_down
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They help to cover my expensive macular degeneration eye shots

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M Schwartz

January 27th, 2020 Sicklerville, NJ DETAILS arrow_drop_down
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I was told that because im HMO, if i go on vacation they wont pay any medical unless life threatening. My son had blood in urine which scared him while on vacation and his claim was denied at urgent care because it wasnt life threatening

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Madison Kneiss

January 27th, 2020 Long Beach, MS DETAILS arrow_drop_down
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BEEN A CUSTOMER FOR YEARS GREAT COVERAGE LOW CO PAY INDIVIDUAL CUSTOMER SERVICE HAPPY WITH IT

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Karen Hartnack

January 27th, 2020 Norcross, GA DETAILS arrow_drop_down
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I have few health issues I am lucky to have this health insurance great coverage little out of pocket

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Danielle Powell

January 27th, 2020 Long Beach, MS DETAILS arrow_drop_down
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Have used this for several years. The plan book is easy to read and know what is expected to be paid so there are no unpleasant surprises

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Richard Vanderstek

January 23rd, 2020 San Antonio, TX DETAILS arrow_drop_down
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The worse ever! I have never been so mistreated by a company in my life. Their error cost me 3 weeks of having medical insurance, and I still had to pay for the full month of coverage so I did not lose coverage. I spent over 6 hours with them on the phone fixing their error... time toilet! Integrity is just a word. If they were a retail store they would be out of business.

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Aunt Cathy

January 23rd, 2020 Bay Saint Louis, MS DETAILS arrow_drop_down
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Wish we were still with them, tho they gotten pretty expensive.. But they paid EVERYTHING for my son's knew surgery and PT. there was no limit on appts he needed.. My hysterectomy , I think cost me $200 to $300. PERIOD!! They took care of us

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Terry Mama

January 22nd, 2020 Kennesaw, GA DETAILS arrow_drop_down
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We have had BCBS for four years. My husband is a UPS employee with a “Cadillac” top of the line plan, and it sucks!! They nickel and dime you for everything. Pray that you don’t need an ambulance or anything out of network. They say it’s covered at whatever the reasonable going rate is for the area, but it’s not. They’ll only pay about half of what your billed, even if every ambulance provider in your area charges the same price or more. Well visits are supposed to be covered at 100%, but again, they NEVER are. Expect a bill for some of it. Crooked company. I wish UPS would go back to Atnea.

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Nancy Paugh

January 21st, 2020 Long Beach, MS

Most hospitals and doctors accept this insurance which is not always easy to find. The rates are comparable to most policies. Finding test results online make it easy and unnecessary to make another appointment.

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Zac Cannon

January 15th, 2020 Gulfport, MS DETAILS arrow_drop_down
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BlueCross is the insurance company I have used my whole life before and since I've been employed. They're definitely trust worthy and have decent rates for educators! Family plans are expensive, but luckily my wife and I have our own insurance through our separate work places.

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Mickey Mangum

January 14th, 2020 Long Beach, MS DETAILS arrow_drop_down
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I am a state employee and we use Blue Cross Blue Shield. Every claim I've had has been handled quickly and professionally. I would strongly recommend them.

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Brianna bourgeois

January 14th, 2020 Long Beach, MS DETAILS arrow_drop_down
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I have never been turned down for my insurance. I have always had a small copay and that was it. I am thankful that I have such a reliable insurance company because I almost never have to worry if it will be accepted.

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Rebecca Harvey

January 13th, 2020 Long Beach, MS DETAILS arrow_drop_down
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Best insurance company to have! They have helped me so much when I’ve needed it and are currently covering all kinds of things for my pregnancy. I would recommend them to anybody!

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Kristie Pierocich

January 13th, 2020 Long Beach, MS DETAILS arrow_drop_down
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We’ve had BCBS federal for many many years and the coverage and incentives are the best around.

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Debbie Fish

January 13th, 2020 Biloxi, MS DETAILS arrow_drop_down
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Costs go up and coverage goes down every year. When my husband had an accident years ago I had to fight with BCBS to get the necessary services covered.

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Sarah Russie

January 6th, 2020 Clearfield, UT DETAILS arrow_drop_down
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Pretty good coverage and customertomer service. Overall happy with company, but some fees and coverages are not as good to help the individual as they could be.

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Dr Pinder

January 2nd, 2020 Lake Worth, FL DETAILS arrow_drop_down
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The insurance is really good (10 years). However, if you are looking for customer service, you will always be frustrated. After waiting on hold for 1 hour plus, I was transferred to wait again. Only to receive another phone number to contact for my answer.

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Adrianne murray

December 31st, 2019 Brigham City, UT DETAILS arrow_drop_down
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We’ve had this insurance company for an entire year. Because were a small business owners we pay quite a bit per month. It was one of the better costing insurances for our needs. We did have a really high deductible and this year it raised another $500 so that sucks. But considering I had a High risk pregnancy last year and babies Born more than nine weeks early we definitely got the better end of the deal with insurance. There are a few things that I felt like should’ve been covered that they kind of squeaked by and didn’t pay for. There’s a few prescriptions that I felt like when the doctor prescribes them they should pay for. But at the end we went back with them again This next year

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Sara Smith

December 9th, 2019 Riverton, UT DETAILS arrow_drop_down
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When my husband was out of work we were still able to get great insurance at a great price to put our minds at ease until work was found again.

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Connor

December 5th, 2019 Farmington, UT DETAILS arrow_drop_down
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I'm convinced I have the best insurance in the world. Not only is my coverage great, but the online tools are so easy to use. I can easily find out if I'm covered and where my local providers are that are in network.

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Michelle W

November 27th, 2019 Coraopolis, PA DETAILS arrow_drop_down
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My husband and I have this now, and I'm grateful we do. Our plan is perfect for us, and BCBS is a wonderful organization to work with when it comes to our health.

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Daphne Brown

November 25th, 2019 Riverton, UT DETAILS arrow_drop_down
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Not my favorite health insurance. They were better towards the end but earlier they had issues calculating my yearly total and not sure it was all their fault. I wish more people would accept their fees.

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MDG

November 19th, 2019 Troy, MI DETAILS arrow_drop_down
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Very poor customer service and lack of transparency. Representatives are not versed thoroughly in company policies. I received conflicting information after speaking to three different representatives all in the same day. After conferencing in with the Healthcare Marketplace and Blue Cross twice and being promised a specific dollar amount premium considering our tax credit. Blue Cross continued to bill us for a much higher premium ($88 more). I continued to call them for several weeks to try to understand why this was the case. However, they continued to insist we had not paid our previous balances in full and therefore had incurred a balance of $272. After being on the phone with them for an hour (each time, over the course of different dates) they were still unable to explain from which dates we owed them a balance. Especially since I had payment information proving we had paid the premium we had been billed for in full for each of those months. Very disappointed with the lack of thoroughness and being put in the position to be forced to justify we were up to date on all of our previous bills. Such an expensive and large company should keep better billing records. This case is still pending and we have yet to receive a resolution. Needless to say I do not recommend this company!

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Desyree Houston

November 15th, 2019 Tallahassee, FL DETAILS arrow_drop_down
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My insurance for quite some years now. Great service and my copay has always been $25.

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Tony

November 12th, 2019 Riverton, UT DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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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flora

October 28th, 2019 DETAILS arrow_drop_down
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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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Skip

October 17th, 2019 Ocala, FL DETAILS arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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 arrow_drop_down
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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!