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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.
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 insurance 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.
Blue Cross Blue Shield insurance plans are 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, thought the coverage levels are not as high as for in-network providers. HMO plans only offer out-of-network coverage in emergency situations.
Blue Cross Blue Shield also offers plans with Health Savings Accounts (HSAs), Health Reimbursement Accounts (HRAs), and Flexible Spending Accounts (FSAs). BCBS also offers indemnity, Point of Service (POS), and short-term health insurance plan.
Blue Cross Blue Shield 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 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 percent on your optometry bills. Those looking for vision or dental coverage can find good policies through Blue Cross Blue Shield.
As you evaluate your health insurance options, keep your health needs and budget in mind. 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).
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.
Blue Cross Blue Shield's network of doctors and specialists is gigantic. BCBS 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, 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.
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.
BCBS 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. It goes without saying that this convenience alone trumps the hassles of lesser-known insurance plans.
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.
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.
I had this as my health insurance for one of my former employers. They covered pretty much everything I needed, but then again I didn't need anything MAJOR. The prices were okay - but I got discounted employee pricing through my job, so I'm not sure what their typical pricing scheme is.
never had an issue with day to day coverage and covered Mirena 100% only paid a copayment
We had Blue Cross Blue Shield with my husbands company and they were always great to work with and I never had to question any of my benefits.
Obscures your plan on their website, bounces you around and hangs up on you if you call, won't notify you if you have outstanding bills. Most health insurance companies are bloated and have a poor record of service, BCBS is no different.
I had BlueCross BlueShield for many years and enjoyed their insurance. Their coverage was great. I would definitely recommend them.
I have been under BlueCross BlueShield almost my entire life. Customer service has been pretty easy to work with and I feel satisfied by what I've gotten up to this point.
This is by far the best insurance I have ever had, never any issues. Co pays and medications were very low cost
We had this insurance for a while, and found that it was widely accepted, but had fairly high premiums and not as great coverage as some others we've had. Still, it was reliable and paid for reasonable health care without too many problems.
I have been insured with this company for a long time. They have exceeded my expectations for health insurance. Great experience all around. They don't keep you on hold for 30 minutes like other insurance companies. Well lead company in my opinion.
We have federal BCBS and it is the best. The customer service reps are always so helpful and knowledgeable. I call them all the time for referrals and they are great at explaining my medical bills. It's so easy to get pre-approval for procedures, when needed. Would never use anyone else.
My family has used BlueCross BlueShiled for many years and have always had great medical insurance. Their customer service is extremely helpful and always available.
Keep spamming my phone with unknown numbers, DON'T GIVE THEM ANY INFO....they will spam you non stop! I don't even know how they got my phone number. They call from regular out of state numbers too! BEWARE!
Copays have been very low and I’ve never had an issue staying in network. Definitely a good health insurance option!
I have been fairly impressed with the service from BlueCross BlueShield. The price is competitive and there are a lot of providers within network.
Limited physicians available. Ocassional lengthy wait for referrals. Offices of some physicians are not very neat or comfortable. Prescription coverage and services are good.
My work insurance runs through Blue Cross. Have an HMO plan. I can’t complain too much as my premiums are fully covered through my work but the doctor selection and level of care could be better. Long wait times for referrals on occasion and finding specialty doctors is sometimes limited with selection. Overall fairly happy though with Blue Cross
Retired federal employee this is the best I have ever delt with and have delt with many. You get what you pay for, excemptional customer service and year-end tax info returns. Hospitals and Doctors love this insurance because of the service they provide (just ask, I did), no questions. Have never had a collections issue or billing. Customer oriented company. I will pay more for better service and that’s what I get.
I have used BlueCross BlueShield my entire adulthood. My rating is based on the Federal Plan, not BC/BS of AZ. If I were not on the Federal plan, I would not give a high review. EVERYBODY diserves to be able to afford this quality of coverage.
Been a customer for six years. Like the flexibility in choice of plans. Coverage is good and doctor choice is also expansive. Have had a couple of problems submitting claims for reimbursement. Had to submit numerous class multiple times.
Our family has been with blue cross blue shield for years and they have been good and prompt paying their portion of our medical bills.
I had to call with a question about a prior authorization for a procedure I'm having. I was on hold for over 20 minutes just to have the associate transfer me to someone else. They then tried to transfer again. The call dropped when the second associate tried to transfer me again. I was very frustrated with the service.
Not sure if it is the fault of the hospital or of blue cross, but we have gotten duplicate bills after a treatment from two separate hospitals in different parts of the state (we were only at one).
Spam!! calling me every day from different numbers. ugly company, would never trust
This was the worse choice my company ever made to join this bobo insurance company Ease of doing busy with them is awful at best. They cover minimal, and you and your doctor are put through hoops to get anything approved If you can, find another plan. Better yet, push your company to find another healthcare provider
Blue Cross Blue Shield is the worst company to deal with on the phone or getting any benefit information. Hopefully you never have to speak to a human at the company, not possible. I waited on hold 30 minutes only to be hung up on by there system.
STOP CALLING With your sales pitches! This is against the law!!!
The price for our familys health insurance was very reasonable. They were always very helpful and easy to work with. It was very hard to find many providers in our area, that were reputable and ones that we wanted to use. The network of providers needs to be increased for us to use this insurance again. But no complaints on price or customer service.
Blue Cross has been very helpful especially when there has been a problem with an account. I would recommend Blue Cross to anyone looking for a health plan. I do not like when they have canceled a plan for the following year, then I have to find a new plan.
We no longer have BlueCross and BlueShield but while we did I LOVED what they covered... After having 3 of my babies and having BlueCross BlueShield be our primary insurance we had awesome coverage and when I got the bill it wasn't even half what I thought it would be... Always great customer service treating me with respect. Can not say enough good things about BlueCross BlueShield
Too expensive and does not cover anything. My husband and I pay so much money each month, just have to almost nothing covered.
Very good insurance in network.., but if you need to use it out of network. Please be careful! They have good rates and have a great selection of doctors available!
Blue Cross Blue Shield customer service needs service. They are difficult to work with and more eager to deny a claim than to fulfill their contracted obligation.
I recently had my first baby and we had BCBS as our insurance. The insurance was so comprehensive that I only ended up paying $250 for all my appointments and having a csection delivery. Their customer support was so helpful and their coverage was amazing.
They’ve always been helpful in getting any issues I had with medical billing straightened out
Had BCBS for one year because our insurance at work changed. Did not like it at all. Too many problems with coverage and even had to deal with unpaid things even after we switched insurances the next year. Too much of a hassle.
While our company doesn't provide the best of information, you really have to research your benefits. Still, some how I missed these benefits. I was excited the nurse called and explained what I could have used and what I can still use as part of our benefits. The nurse has called twice since that initial day to check on me and sent some additional information.
BlueCross BlueShield was my moms health insurance company and i don't know what we would have done without them. They covered her medical bills and allowed for her to always receive the treatment she needed. She passed away about a month ago and we were very grateful for her health insurance. Thank You!
I've had Blue Cross in the past and have really enjoyed it. I did think the premiums were a little higher compared to competitiors
I used to have an insurance policy with them at my old work. They are great to work with and make sure that you get the correct policy for your needs.
I really enjoyed have Health Insurance through BCBS. I had to switch over to Aetna has my employer switched. I wish I could go back to BCBS. I never had to wonder if BCBS would cover my health procedures and felt like the customer service was great.
we had BCBS through my husband insurance and it was quite expensive. on top of that we still had to pay a deductible and co insurance. office copay was $45 and specialty was $50. Prescriptions was anywhere from $25 - $45. If it wasn't for the FSA plan i wouldn't be able to afford the copays and prescriptions. customer service was friendly.
We have been with BlueCross/Blue Shield for many years. They have more than enough participating Dr's and providers and their coverage plans work for us. High deductible plans are the worst. We have never had any real problems with them not paying claims in a timely matter so that is a bonus for us.
BlueCross BlueShield has made it easy for me to take care of my health and the health of my family. They give you the information up front to make an informed decision and help you every step of the way. Top notch care from top notch doctors and nurses.
We are currently with BlueCross BlueShield and have had a good experience with them so far. They have paid us for our out of network bills in a timely manner and the co pay is reasonable to pay for an office visit.
Amazing coverage and prices are doable. Customer service is always helpful and is always willing to answer all my questions.
great service, good quality and customer supporr.
Have BCBS through my work. Great insurance. Easy to navigate web. Good customer service.
We had Blue Cross insurance before and had some good and some bad experiences with them. Overall, we were pleased but sometimes they denied claims and we had to resubmit them again.
This was one of the first companies that I had insurance with. They had great benefits. They were a little more on the pricey side, but it seriously was worth it. When I switched companies I no longer could use them. I wish I still had them . Very big and well known company.
Blue Cross Blue Shield federal employee insurance doesn't care about it's insured!! Mom has multiple sclerosis and ehlers danlos syndrome. With both of those diseases she is constantly in a lot of pain due to issues with her back. She has had a discectomy, an operation to fix a herniated disk, and was told that eventually she will need to have her entire spine fused. Well a pain specialist recently put a light at the end of the tunnel. He told mom about a device, a spinal cord stimulator, that would be implanted internally to her spine and would override the pain sensors in her brain with pleasurable sensations or even no feeling! It was perfect! Mom was told this would be beneficial for her by her primary care physician, her neurologist, and her surgeon. They were excited that she would finally receive relief from her unending back pain. The pain specialist, Zion Pain Management, went through all the paperwork and found that the insurance required no prior approval for this procedure. With that in mind the doctors went ahead with the trial. It worked wonderfully! Mom had energy and was able to walk, sit, sleep, move, live without pain! But then Blue Cross said that they had not given authorization for the surgery so they were not going to pay for it. Then they claimed that this surgery was not medically necessary. They told the surgeon that he would need to cover the cost for the trial himself and that they would not pay for the permanent procedure. Because of that the surgeons would not move forward with the permanent procedure. Mom and all of her doctors have worked to overturn their verdict for over two months. Today though, Blue cross told mom that this surgery was not medically necessary because she was not in enough pain to warrant this type of surgery. She had not been on opioids long enough and had not proven that surgeey was needed. Who do they think they are?! They are using their own quack of a "professional" who from looking at a sheet of paper on a desk has singlehandedly decided that he knows mom better then all four of her doctors and that their four opinions are wrong. Screw them! Mom was crying after hearing their verdict. That pissed me off! Please share this around so that the truth of Blue Cross Blue Shield will be shown. They would rather their insured members be addicted to opioids and other harmful drugs then receive the full help they require. Screw them!!