BlueCross BlueShield vs Cigna

Kaitlyn Short
Kaitlyn Short | Senior Editor

BlueCross BlueShield and Cigna are well-known health insurers. Both offer insurance in many parts of the United States. Both companies have plans for individuals and families, Medicare, international health insurance, and plans for employers to offer employees. Health plan availability for both varies depending on your location.

Unlike Cigna, BlueCross BlueShield works through subsidiaries in the areas it offers health insurance. Because of the differences among its subsidiaries, it’s difficult to compare BlueCross BlueShield to other health insurers.

BlueCross BlueShield logo
#1 BlueCross BlueShield
7.6 Overall Score
3.7
star star star star_half star_border
(765)
Cigna logo
#8 Cigna
6.1 Overall Score
2.6
star star star_half star_border star_border
(314)

Overview

BlueCross BlueShield

Health Plan Options

N/A

Customer Service Options

N/A

Perks and Support Programs

N/A

Time in Business

Undisclosed

Cigna

N/A

N/A

N/A

Undisclosed

Ratings

BlueCross BlueShield

Overall Score
7.6 of 10
Review Score
3.7
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Value for Money
3.6
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Quality of Product or Service
3.7
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Company Trustworthiness
3.6
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Likely to Recommend
6.2 of 10

Cigna

6.1 of 10
2.6
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2.5
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2.5
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2.6
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3.0 of 10

Reviews

BlueCross BlueShield

Number of Reviews
765
Review Breakdown
3.7
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1 star
19%
2 star
6%
3 star
8%
4 star
24%
5 star
44%

Cigna

314
2.6
star star star_half star_border star_border
1 star
47%
2 star
6%
3 star
9%
4 star
16%
5 star
22%

Reviews for BlueCross BlueShield

Helpful Favorable Review

star star star star star

Kaylee Lapinskie

March 14th, 2022

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Review Source

I have had BCBS for several years. I have always had a good experience with them. If there is a billing error with a provider they have been quick to respond. I have been fortunate that all of provider have been on their approved list.

Helpful Critical Review

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Jordan

December 28th, 2017

The blue cross and blue shield in sc is a piece of work!! my father is diabetic and could die with out his insurance. here is what happen he was paying his bill and they charged him a little over 300 dollars and he called to find out way and there response was a smokers charge WHEN he DOES NOT smoke. he can't afford over 300 dollars for insurance every month!!!

Reviews for Cigna

Helpful Favorable Review

star star star star_border star_border

Velma Merritt

February 11th, 2022

DETAILS

Cigna was excellent health insurance. HOWEVER, they were to refund me one month's premium. It was to arrive in 15 days. It has now been 30 days and no refund. I find businesses like Cigna want their payment on or before the due date but when they owe the customer money, time becomes irrelevant. Because of this I would definitely think twice before I would have their coverage again. I stayed on the phone with them three hours, my insurance agent has called them numerous times. Still no refund.

Helpful Critical Review

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G.J.

December 1st, 2022

DETAILS

We no longer have Cigna health insurance. They made it difficult to submit a claim. Their website made no sense it had way to many links that you need to use. The only thing that was good with this company was their customer service. With a lot of help I could kind of get around on their website.

The Final Word

BlueCross BlueShield and Cigna both offer rewards and discount programs with many of their plans.

BlueCross BlueShield’s program Blue365® offers discounts on products and services that support financial health, nutrition, fitness, and more. Blue365® is not available from all of BlueCross BlueShield’s subsidiaries. Check with your BlueCross BlueShield subsidiary to see if you’d have access to this program.

Cigna’s program Healthy Rewards® offers discounts on alternative medicine, vitamins, fitness, and more. It is included with most of Cigna’s health plans. Most of Cigna’s health plans also include Telehealth, which allows members to schedule virtual appointments with doctors. This feature makes it easy and quick to meet with a doctor for non-emergency situations.

BlueCross BlueShield stands out from Cigna because of its Total Care and Blue Distinction® ratings for health care providers and hospitals. These designations consider both the quality and cost of health services offered by providers and hospitals.

While Cigna and BlueCross BlueShield are fairly similar, the rewards programs offer different kinds of discounts. Learn more specifics on health plans offered by each company in your area and compare coverage and cost before enrolling in a health plan.

Top Choice

BlueCross BlueShield Logo
BlueCross BlueShield

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