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15 User Reviews


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LAST UPDATED: July 18th, 2022

Highmark BlueCross BlueShield was originally called Blue Cross of Western Pennsylvania. Founded in 1977, this company’s original name reflects the limited service area it has in parts of Pennsylvania, Delaware, and West Virginia. Backed by its parent company, BlueCross BlueShield, Highmark serves millions of members.


The Good

  • Types of Plans Offered
  • Member Resources
  • Customer Service

Types of Plans Offered

There aren't many health plans that Highmark doesn't offer, which is great for shopping for a plan. Highmark offers Medicare and CHIP (Children's Health Insurance Plan). CHIP through Highmark is only available in some parts of Pennsylvannia.

In addition to differing in terms of provider networks, Highmark's health plans vary in terms of benefits for deductibles, copayments, referral requirements, and out-of-pocket costs. While shopping for a health plan here, you'll be asked to give your zip code because the location is an important factor in the types of plans you qualify for. Shopping for a plan is really easy with Highmark though. Highmark doesn't ask for very private information before telling you specific details about plans, and the company outlines the benefits of qualifying plans so that it's easy to compare them.

Member Resources

Becoming a member with Highmark entitles you to lots of tools for managing your account and saving money to get healthy. First, there's a tool you can use to find a provider, be it a doctor, pharmacy, dentist, or vision care provider.

Members can take a doctor match quiz to find a provider with a care style that works well with your needs and personality. You can also use RealAge® on ShareCare to see how old your body is based on its health condition. This tool can help you take action to be healthier. The tool also allows you to track yoru health habits.

Customer Service

Customer service isn't something Highmark treats lightly. In fact, several of the company's overall values are directly related to customer satisfaction and proper business conduct. These include integrity, for one, and the notion that people matter.

Like many other health insurance companies, Highmark wants to be a motivator for members' good health. Customers can contact Highmark through phone or via an online form.

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The Bad

  • Limited Service Area
  • No 24/7 Customer Service
  • Time in Business

Limited Service Area

Highmark health plans are primarily available in western Pennsylvania, as well as some coverage in Delaware and West Virginia. This is really a limited scope and makes the company available to a small portion of the country.

No 24/7 Customer Service

As helpful as the customer service options are with Highmark, none of these features are available 24/7. Their live chat and phone numbers are only available during certain business hours, which leaves members to rely on just their only accounts for help outside of business hours.

Time in Business

On a less crucial note, Highmark is a relatively new company, since it has only been around since 1977. While not new to the health insurance industry, some of its competitors have been in business much longer. Other health insurance carriers boast several decades and even more than a century of business experience, which leaves Highmark to be a smaller, newer name in the industry.


The Bottom Line

For the right customer, Highmark is definitely a recommended company. But what makes a customer "right"? In this case, you're an excellent candidate for a Highmark health plan if you live in western Pennsylvania (or one of the covered areas in Delaware or West Virginia). The remaining factors that determine whether you'll be satisfied with Highmark are specific to the health plans you qualify for through them. The company has a great selection of plans, good member resources, and a great reputation all around. So as long as the logistics of location fall into place, Highmark is definitely in the running of quality health insurance companies.

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15 Reviews

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Chuckles Jamestown, NY

Impossible to contact! I have called 4 times 4 different days during business hours. After going though the minutes long covid testing spiel and placed on hold for over 20 minutes each time I gave up. I then tried contacting them 3 times via email after logging into my account online no response. I added there email mail address to my contacts as instructed and checked my junk mail several times each day nothing! I will not renew with Highmark!

3 weeks ago

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My Email Dallas, TX

Medical decisions regarding treatment and prescriptions made by company accountants and not your healthcare provider. In need of specialized or expensive treatment or prescriptions ? You better pray their balance sheet for the quarter will allow them to authorize spending the $ cash- if they are have a crummy financial quarter- you are 'S' out of luck, as the companies accountants will decline the treatment or prescription.

1 month ago

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John James

Force switched to Highmark when they took over Bluecross Blueshield of WNY. I’ve literally have never had such a lousy insurance company in my entire life. They are the absolute worst it’s unbearable. If you can do anything in your power to avoid this company, make sure you do so. Not only have they drastically reduced the list of covered medications, but they completely removed the limit on out of pocket expenses. In addition, they’ve removed Quest Diagnostic bloodwork as a covered service, saddling me with a $530 bill for a basic series of bloodwork. This is not to mention their new customer service, if you get lucky and stay on the phone for several hours to speak to a foreign call center agent, is unlikely they will assist you in any meaningful way.

4 months ago

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Marcy Warning East Aurora, NY

Since Highmark took over BCBS of WNY, I have had nothing but problems!! They are forcing me to submit an appeal letter for anesthesia payment that was incurred during my PREVENTATIVE Colonoscopy! Their customer service is difficult to get through to, difficult to hear, and difficult to understand as this is a service they use a vendor in India for!! Awful insurance and customer service-would not recommend this health insurance to anyone!!

5 months ago

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Carysa Middleton, WI

I am trying to get treatment for my mental health and I called to see if I need a prior authorization. The lady on the end literally asked if I was the insurance company, I told her no that she was the insurance company and I was the person who pays to have that insurance. She kept asking if the service codes I gave her for TMS were covered by the insurance, I told her that its her job to know that information and that why I was calling. I asked to speak to a manager and she put me on hold for 20 mins and then answered again asking how she could help me. These "customer service" people have no training, I have gotten 3 different answers about whether or not I can do TMS.

1 year ago

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J. Thomas Gough San Jose, CA

Highmark is great until you need them for anything. My work pays big bucks every quarter into the Highmark coffers and, as fortunately healthy adults, we rarely need medical services, but when we have needed them Highmark is right there - with limited hours, complicated contact procedures, extensive denial of service strategies, and heavily touted coupons for luxury items. But in the last couple of months, I have watched my wife trying to grapple with their impossibly complex "prescription drug" program. It is slick, I'll give them that. You can't get a prescription filled in person, of course, everything has to be mailed. So her doctor phones in her prescription and the fun begins. So far this has had to be done five times. Each time the doctor phones it in, my wife calls the "service" to follow up on shipping details, she talks to a different person who has no record of previous conversations but who appears to have a different rulebook and a complete set of new questions. It always ends up with my wife having to call the doctor again to tell them what all the new rules/changes/roadblocks/inconveniences might be so they can try and contact the prescription "service" again and talk to someone who knows nothing about the case but has a new set of rules...blah...blah...blah. I'll give them credit, Highmark makes it extremely easy to make your quarterly payments, but incredibly difficult to access care, so in that way, they are exemplars of the American Healthcare "System".

1 year ago

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David Lavin Dover, PA

I'm no math whiz and insurance tends to spin my head around. My company went with Highmark to save a buck and I went with the HDHP since I was a generally healthy person. Well last year I fell ill and ended up spending quite a bit of money at the doctors. Somehow I never met my plan deductible or out of pocket limit. Even though my total expenditures out of my HSA far exceeded both? So I ended up spending every penny I put into the HSA. Not to mention that the money I put in, even though it was "guaranteed" to be available after one business day would take days to be available in my account. Good luck trying to get a hold of anyone. You'll spend most of your time on hold, and most likely, like me, get frustrated and hang up. To employers, switching to this company may save you a few bucks but it's going to cause your employees stress, and frustration. If that matters to you at all.

2 years ago

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JT Dracut, MA

I have to be rushed by an ambulance. Highmark Blue Cross Blue Shield tells me that I will be paying the full amount of for the Ambulance service. Highmark did not pay their share being my insurance company because they keep insisting that the Ambulance was Out of Network well in fact in my Policy Page 13 under “Summary of Benefit” clearly states that under Ambulance service I will have the greatest amount of benefits that the program can provide. It is always tagged as “Same as network services even if it’s Out of Network and Page 21 under Emergency Care Services it was stated “you’re covered at the higher, network level of benefit for emergency care received in or outside the provider network. This flexibility helps accommodate your needs when you need care immediately”. In my two formal letter appeal to Blue Cross Blue Shield I keep insisting that it is too absurd that during 911 call you will have to ask if the ambulance that is coming is In or Out of network. Another reason that they gave me when I made a call was, it is useless if they will contribute a payment because the Ambulance service is Out of Network. They have no control of the fee that the Ambulance Company will be charging on me but at least they must do their part based on the policy agreement I am aware that I haven’t met my deductible so I will be responsible to pay that service however they would have share a payment first then the rest is my responsibility.

2 years ago

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Hannah Greensburg, PA

We paid LESS for our medical bills WITHOUT ANY INSURANCE from the hospitals and doctors offices running our bills through their assistance programs for people without insurance than we pay now that they send our bills out to Highmark now! Switching insurances asap! No help at all!

9 months ago

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Unhappy Willard, OH

This is the worst insurance on the planet. My company recently switched to them to save a buck on there end and now all the employees have to suffer. They deny everything. I have been on a CGM DEVICE FOR YEARS and when the company switched to Highmark from Anthem they denied all my claims for my supplies and I was stuck with a bill of over $3900 . Not to mention my A1C went up 4 points without my CGM. HEARTLESS company worst I've ever seen

3 years ago

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Robert Adkins Parkersburg, WV

Lousiest member service I have ever experienced. Agents and service reps are not trained properly. Down right lie to you to buy a policy from them and no service after the sale. Seems to me their motto should be “ If we ever talk to you again it will be too soon”. Oh and good luck getting in money back if you over pay them,

1 year ago

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Atha Beveridge Morgantown, WV

Just found out i have cancer. Highmark is denying my chemo treatments. I pay high premiums for this coverage! They suck!! Who are they to decide my fate?!

4 years ago

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Travis Mckenzie Martinsburg, WV

Doesn't even pay for a quarter of my surgery. Go to hell Highmark...

6 years ago