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

View BlueCross BlueShield Reviews

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

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

The Good

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

Types of Plans Offered

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

Coverage options range in every type-from a Preferred Provider Organization (PPO) to Health Maintenance Organization (HMO). These plan-types indicate the kind of provider network available with the health plan. PPO plans generally offer coverage for seeing out-of-network providers, though the coverage levels are not as high as for in-network providers. HMO plans only offer out-of-network coverage in emergency situations.

BlueCross BlueShield also offers plans with Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs). BlueCross BlueShield also offers indemnity, Point of Service (POS), and short-term health insurance plan.

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

The coverage and details of each of these plans depends partially on your health situation (including age, number of group being insured, health status, etc.) and your location. When you initially search for a health plan to understand the benefits and costs of monthly payments, expect to put in your location and some personal information, as these points will help BlueCross BlueShield draw up a list of potential plans for you.

In addition to health care coverage options, the some BlueCross BlueShield Plan offerings include dental insurance plans and vision insurance. Dental plans and vision plans may also vary by location, so it's important to work with the subsidiary in your area to get specific information. Those looking for vision or dental coverage can find good policies through BlueCross BlueShield.

As you evaluate your health insurance options, keep your health needs and budget in mind. The amount you pay for a health plan is not limited to the monthly premiums. In addition to considering the cost of premiums, you should also consider how expensive the out-of-pocket expenses will be. Sometimes paying a higher premium will mean having cheaper out-of-pocket expenses (copays and coinsurance) or lower out-of-pocket maximums.

Member Resources

BlueCross BlueShield keeps up its positive reputation with members with both basic and advanced tools. Some of these tools are specific to each of its subsidiaries, and include customer service numbers and mobile apps.

Unique Features

BlueCross BlueShield's network of doctors and specialists is gigantic. BlueCross BlueShield insurance is accepted all over the United States. Because of the wide acceptance, it should be easy to find hospitals and doctors in-network. Treatment and other medical services you receive from these provides will be covered in part by this company.

Another unique feature of the Blue365 program. Through Blue365, members can receive discounts on all sorts of health-related products and services. Some discounts and deals change from time to time. Blue365 saves you money and provides added motivation for you to get and stay healthy. Not every BlueCross BlueShield subsidiary may participate in Blue365, so check with your subsidiary to see if it does.

Customer Service

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

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

BlueCross BlueShield answers frequently asked questions, have social media outlets to connect with clients more personally, and of course, provide mailing information for when you need to mail in a form or contact them via snail mail.

In short, BlueCross BlueShield takes lots of different steps to meet the needs of customers all over the US. It is available 24/7 to members and has set up its customer service tools to be convenient, immediate, and of course, helpful-even in the details.

Availability and Acceptance

BlueCross BlueShield is available in all 50 states, and is widely accepted by doctors and hospitals. Specific provider network access, however, does depend on the individual health plan.

Get Quote

The Bad

  • State-Specific Coverage

State-Specific Coverage

For better or worse, the coverage you receive through your health plan depends partially on the state you live in (the state in which you would use that insurance). In other words, you can't just look up a PPO plan at BlueCross BlueShield and expect the same coverage percentages, out-of-pocket costs, and deductibles for any state. The BlueCross BlueShield website will direct you to the company that serves your area before you can get information on plan options.

The Bottom Line

In many ways, it's not surprising that there are inconsistencies in health insurance plan details at BlueCross BlueShield. After all, the health insurer is large and works though several subsidiaries. It provides coverage nationwide, and has an extensive history and reputation.

Its growth has brought both positive and negative consequences. For example, it's positive that BlueCross BlueShield is accepted at such a high percentages of hospitals, doctors, and urgent care centers because it is a well-known brand in the health insurance marketplace. But on the other hand, the office you work with locally could be one of those with a poor reputation since BlueCross BlueShield doesn't micromanage each subsidiary.

It's important to make sure any health plan you choose offers the medical coverage you need and is affordable. The best health insurance plan for someone else may not necessarily be the best fit for your situation. Be sure to understand your health needs and what would fit into your budget. Choosing a reliable health insurer is also important. Reading health insurance reviews from customers can give you a sense of the general quality BlueCross BlueShield offers.

Long story short, BlueCross BlueShield is still a recommended health insurance option. There are some regional differences with BlueCross BlueShield companies, so interested people should work with the insurer directly to learn more about coverage, benefits, premium rates, deductible, and out-of-pocket limit available with each health plan.

We'll Introduce You!

Call our recommended rep over at BlueCross BlueShield below.

1-(844) 479-1697

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User Reviews

Star Rating

3.6
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319 Reviews

Review Breakdown

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1 star
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kristin Gneiting

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

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Madison Scott

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

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Sara Smith

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

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Betty Y

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

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Chronic migraine sufferer

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

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Jerry &Janette Jack

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

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Chery Steffey

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

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aaron

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

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Grady

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

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Steve Tischler

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

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FRANCES L BEARD

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

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Jen

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

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Bryon

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

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Tanya

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

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Mike MC

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

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Jamie

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

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Lois

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

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Maddison Long

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

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Keeli Hansen

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

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Helen Locklear

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

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Beth

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

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William Kyzer

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

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Paige Baldwin

June 27th, 2019 Wellsville, UT

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

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Rosann Stanko

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

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Dianna

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

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Greg Hanold

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

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Jason

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

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Danielle

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

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T

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

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Stephania

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

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Teresa LeBaron

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

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Trenton Prestwich

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

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E S

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

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India Martin

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

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Nicole LeBaron

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

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Kimberli Shaner

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

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Liana

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

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Julie Kincaid

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

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Jacob Shaner

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

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Beth Farmer

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

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Rosie Hansen

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

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kerry perez

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

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BLF

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

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Becky Heward

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

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Alice

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

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Michael Seth Manwaring

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

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Scott

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

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Craig

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

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Lesha

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

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Dean

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