BlueCross BlueShield vs Cigna

McCall Martin
McCall Martin | 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
8.2 Overall Score
3.6
star star star star_half star_border
(824)
Cigna logo
#12 Cigna
5.3 Overall Score
2.6
star star star_half star_border star_border
(338)

Overview

BlueCross BlueShield

Health Plan Options

Customer Service Options

Perks and Support Programs

Time in Business

Undisclosed

Cigna

Undisclosed

Ratings

BlueCross BlueShield

Overall Score
8.2 of 10
Review Score
3.6
star star star star_half star_border
Value for Money
3.5
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Quality of Product or Service
3.6
star star star star_half star_border
Company Trustworthiness
3.6
star star star star_half star_border
Likely to Recommend
6.1 of 10

Cigna

5.3 of 10
2.6
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2.5
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2.5
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2.5
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2.9 of 10

Reviews

BlueCross BlueShield

Number of Reviews
824
Review Breakdown
3.6
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1 star
20%
2 star
6%
3 star
8%
4 star
23%
5 star
43%

Cigna

338
2.6
star star star_half star_border star_border
1 star
49%
2 star
6%
3 star
9%
4 star
15%
5 star
22%

Reviews for BlueCross BlueShield

Helpful Favorable Review

star star star star star

Dee

August 23rd, 2023

DETAILS

I don't really like insurance companies because I feel like they are trying to rip me off. But BCBS is pretty good. Every doctor I've called has accepted them and the customer service people are friendly and professional.

Helpful Critical Review

star star_border star_border star_border star_border

dorin aftenii

November 3rd, 2023

When I bought this insurance from a private provider. I staid on the phone for almost three hours with that agent asking and speaking with him about details of this insurance. After I bought it I found that everything what that agent told me was a huge lie.

Reviews for Cigna

Helpful Favorable Review

star star star star star

Heather H

April 27th, 2023

DETAILS

Cigna is an excellent company with decent in-network coverage as well as healthcare providers that widely accept Cigna. The transition my company made to Cigna coverage was exceptionally smooth and transparent.

Helpful Critical Review

star star_border star_border star_border star_border

Wendel Croft

December 1st, 2023

DETAILS

In 2023 my wife and I had Cigna Dental insurance. Absolutely horrendous company to do business with. They constantly look to deny and if that doesn’t fly they will absolutely nickel and dime. The dentist (Cigna preferred ) has actually withdrawn from accepting any Cigna dental insurance in 2024. Worst of the worst and frequently give incomplete and/or inaccurate information Best advise I can give - pick another company- they are truly awful

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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