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.
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.
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.
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.
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.
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.
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.
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."
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.
Call our recommended rep over at BlueCross BlueShield below.
I have had to file several claims over the last two years. They have been complicated and challenging and BCBS has been good to help me through the process.
BlueCross BlueShield assisted in helping me understand and get my claims covered as I was transitioning to a new insurance. They ensured that all items previously covered by them in an existing claim was covered.
PPO - Excellent customer service experience with
Slow in answering questions. They seem to pay bill collectors in a timely manner.
Mary Anne Kornbau
Terrible. They lose claims sent by me and by my doctor's office. There's no certified mail option because all claims go to PO box. Prices have skyrocketed coverage has decreased. Don't cover services I need and I have the gold plan. $900 month with deductible of $14,000 in network. Repeated calls to customer service result in different answers each time, none helpful
Good coverage, could be quicker in paying doctors
they are fantastic, they cover all my bills
Stephen Damiano Jr.
They make it seem like the cover so much and come with a heavy price tag. They do cover quite a bit but not entirely and not what you expect them to.
they have been great. They pay things great they approve things I need.
Descent coverage, high ER copay plus 30% of services render is very expensive
Prompt service, good coverage, universal accepted
Darrel P Melton
They could let you choose the pharmacy of your choice.
Claims paid timely & questions answered promptly
The premiums are criminally expensive and the coverage is limited
Love them they have really taken care of me
The customer service and the coverage are well worth my premium
I like nothing. Everything is complicated and difficult to understand.
Horrible, communicate by phone when recommended treatment/surgery is declined
Rates are too high. Also if they are secondary, the insured should get a discounted premium rate.
They have been pretty good until the ACA screwed up the ins system. Now we have multiple appeals for meds that were previously covered but now are not, but BS did not inform us of these changes for 6+ months.
BlueCross pretty good, I get the service I need with out any hassle, do far the insurance I have is good.
Excellent. I just had a series of heart attacks and they paid for the helicopter ride and a $113,000 of hospital expense.
This is my first year with BC/BS. Prior to this, I had an HMO. He care I get is exactly the same.However,my costs are much different, Under HAP, I paid nothing but a small co-pay while I now have $1,400 out of pocket costs that I am responsible for. I am a big user of my health care and BC/BShas been quite responsive.
Extremely high premiums and poor service.
company reps word is not official. representation without documentation is not reliable. Reps made statements over the phone and deny claims later because I the customer have no proof .
They are excellent. Easy to work with. They care for their clients and pay off.
Not good since coverage for medical and deductible
I like their overall handling of my health benefits. I think they could be more proactive when it comes to preventative care.
Jaime A Portillo
Customers service pay more attention to the patient.
Most doctors are In Network. They sometimes provide incorrect copay information to providers. They discontinued my plan and moved me into a plan that is not as good.
CS is great,all my needs & want's provided
Love my insurance company. Claims paid promptly. Knowledgeable customer service.
We have been insured by BCBS for over 5 years and have never had a problem with finding or keeping the providers we prefer.
I enjoyed there customer service representative
BCBS has been my insurance for the last three years and the coverage had been very good. When I need assistance, customer service is very helpful. One suggestion for improvement is to the internet accessibility.
We had BlueCross BlueShield Health Insurance in the past offered to us through my husbands company and we loved it! My family had BlueCross BlueShield while i was pregnant. They were wonderful to cover everything that come up during childbirth. so comforting knowing that we didn't have a large bill when leaving the hospital.
We currently have BCBS with the best rates with the best coverage I have seen in many, many years. They pay their claims on time and have a large provider database in their network. Their customer service when calling in is very helpful.
Health insurance is really confusing, but that said these guys make it as easy as possible. My plan is free for employee and starts covering after $5,000 is spent. They don't require a PCP, only that who you see is in-network. The discounts for being insured apply, then after the $5,000 is spent it splits 80/20. Good service when I call, quicker than you'd expect, and very helpful.
We have had blue cross blue shield in the past and have found it to be very user friendly. They are willing to answer any questions needed.
We have had a great experience using this insurance. Customer service has always been helpful. The only difficult part is how expensive the rates have become the last few years, but that has happened to all heath insurance companies.
michelle l pierce
Had them in the past, Love the choices you get and services.
I have had Blue Cross Blue Shield in the past and I thought they had a great network of doctors and I didn’t have to pay much out of pocket
We have liked our health insurance BlueCross BlueShield because they file our claims in a timely manner and try to save us money when they can. I also like that our copay is affordable at $15 instead of $30 like our previous plan.
We have this insurance through the government. It has been great. whenever a claim has been filed it has been paid promptly. It has been easy to use and has been accepted by all offices. It is a little pricey but well worth it in the long run.
We've been insured with BlueCross BlueShield for decades and we have appreciated their great customer service.
We have liked the overall experience we've had with BlueCross BlueShield. The on line program is a little out of the ordinary. I have a hard time being able to view my children's health care because each individual has their own account. I feel as a parent or legal guardian our accounts should all be link so that I can manage my children's accounts along with my own.
Blue Cross is very easy to deal with and their coverage is great!
Awesome coverage! Awesome customer service!
Vicki A Michaels
I have BCBS through work. They have a lot of providers and seem to pay the doctors on time.
Should cover a yearly physical with all labs included no matter what the deductible is.