BlueCross BlueShield vs Cigna

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 verified_user
#2 BlueCross BlueShield
7.5 Overall Score
3.6
starstarstarstar_halfstar_border
(300)
Cigna logo verified_user
#4 Cigna
7.5 Overall Score
2.6
starstarstar_halfstar_borderstar_border
(145)

Overview

BlueCross BlueShield

Cigna

States Serviced
States Serviced
50
50
Time In Business
Time In Business
83 Years
37 Years

Ratings

BlueCross BlueShield

Cigna

Overall Score
Overall Score
7.5 of 10
7.5 of 10
Review Score
Review Score
3.6
starstarstarstar_halfstar_border
2.6
starstarstar_halfstar_borderstar_border
Value for Money
Value for Money
3.3
starstarstarstar_halfstar_border
2.5
starstarstar_halfstar_borderstar_border
Quality of Product or Service
Quality of Product or Service
3.5
starstarstarstar_halfstar_border
2.5
starstarstar_halfstar_borderstar_border
Customer Service
Customer Service
3.4
starstarstarstar_halfstar_border
2.7
starstarstar_halfstar_borderstar_border
Company Trustworthiness
Company Trustworthiness
3.5
starstarstarstar_halfstar_border
2.6
starstarstar_halfstar_borderstar_border
Likely to Recommend
Likely to Recommend
4.7 of 10
1.8 of 10

Reviews

BlueCross BlueShield

Cigna

Number of Reviews
Number of Reviews
300
145
Review Breakdown
Review Breakdown
3.6
starstarstarstar_halfstar_border
5 star
35%
4 star
28%
3 star
10%
2 star
7%
1 star
20%
2.6
starstarstar_halfstar_borderstar_border
5 star
19%
4 star
21%
3 star
9%
2 star
6%
1 star
44%

Reviews for BlueCross BlueShield

Helpful Favorable Review

starstarstarstarstar
Connor
December 5th, 2019 Farmington, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I'm convinced I have the best insurance in the world. Not only is my coverage great, but the online tools are so easy to use. I can easily find out if I'm covered and where my local providers are that are in network.


Helpful Critical Review

starstar_borderstar_borderstar_borderstar_border
Sam Tilbury
October 31st, 2019 Wichita, KS DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

They are literally the worst company that you can have as your insurance provider. It's the most expensive with the worst service. I get snarky responses from everyone I speak to at BCBS. My policy is nearly $500 a month and hasn't covered anything at all. I had a painful bleeding lesion on my head and had to have it cut off, NOT COVERED! Every time I go in, nothing is covered by insurance. It's a total scam. When I have called in for help with my policy, the just tell me to read it myself. What a horrible experience and a huge waste of money. Pick a different company!


Reviews for Cigna

Helpful Favorable Review

starstarstarstarstar
Terri wills
September 24th, 2019 Frederick, MD DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Cigna saved my life! I went into the hospital two years ago for suicide. Cigna was on it, they gave me a case manager, they gave me a counselor 24 seven 365. They set me up with the mental health professionals that I needed. They helped me with medical as well. But it when it comes down to it Cigna saved my life!


Helpful Critical Review

starstar_borderstar_borderstar_borderstar_border
Gina M
November 14th, 2019 Ballston Spa, NY DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

Stay away from CIGNA. Do not take my word for it, Google CIGNA LTD Complaints. The CEO and Executives are GREEDY PIGS. All they care about is the stockholders and the PIGS at the top. Spread the word to family, friends, coworkers, social media sites to hopefully hit CIGNA in the purse strings by reducing the premiums they collect.


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
Visit Site