1. BlueCross BlueShield vs Cigna

BlueCross BlueShield vs Cigna

Alice Stevens
Alice Stevens | 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 verified_user
#1 BlueCross BlueShield
8.2 Overall Score
3.8
starstarstarstar_halfstar_border
(548)
Cigna logo verified_user
#4 Cigna
7.7 Overall Score
2.8
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(196)

Overview

BlueCross BlueShield

Cigna

Time In Business
Time In Business
84 Years
38 Years

Ratings

BlueCross BlueShield

Cigna

Overall Score
Overall Score
8.2 of 10
7.7 of 10
Review Score
Review Score
3.8
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2.8
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Value for Money
Value for Money
3.4
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2.6
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Quality of Product or Service
Quality of Product or Service
3.6
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2.6
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Customer Service
Customer Service
3.5
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2.8
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Company Trustworthiness
Company Trustworthiness
3.5
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2.7
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Likely to Recommend
Likely to Recommend
6.6 of 10
3.2 of 10

Reviews

BlueCross BlueShield

Cigna

Number of Reviews
Number of Reviews
548
196
Review Breakdown
Review Breakdown
3.8
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5 star
45%
4 star
26%
3 star
8%
2 star
6%
1 star
14%
2.8
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5 star
22%
4 star
20%
3 star
11%
2 star
6%
1 star
40%

Reviews for BlueCross BlueShield

Helpful Favorable Review

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charlotte foster

November 30th, 2020 Roaring Springs, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Blue Cross Blue Shield has been so consistent over the years. I have a chronic disease and have not had to worry about not having good coverage. I rarely have to pay for my expensive medicine and that is much appreciated. I will always choose BCBS over any other health insurance. The Healthcare Marketplace has provided access to BCBS in both Texas and Arkansas for me over the years, and for that, I am sooooo grateful. Customer service at BCBS has always been there for me as well. I definitely recommend it to anyone that asks.


Helpful Critical Review

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joseph E.

November 30th, 2020 Indio, CA DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This is not an honorable company i had medicare. From 1/1/2016 to 5/24/2018 Blue Cross premiums were paid by a trustee in New York. I discovered on 5/24/2018, premiums still being paid, canceled policy , and was informed because another policy was paying my claims and not Blue Cross, I should expect a refund. Made complaint with DMHC. Finally received a check for $3,274.32 over payment $41,150 refund amount $3,274.32 they kept $37,875.68 for doing nothing SLEEZY


Reviews for Cigna

Helpful Favorable Review

starstarstarstar_borderstar_border

Rebecca Evans

November 30th, 2020 American Fork, UT DETAILS arrow_drop_down
Value for your money
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Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
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This company has covered a lot of expenses willingly for us for which we are grateful. Lately they have been giving more push back on needed procedures. They do come through on most, but it takes time and can be quite distressing wondering if they will be able to cover the costs.


Helpful Critical Review

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Kim Peter

November 30th, 2020 Houston, TX DETAILS arrow_drop_down
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

CIGNA Medicare Advantage plan is the worst experience. Too many promises but not a lot of coverage. Worst dental plan through Denta Quest, can not find a dentist in their network and Cigna did not help either. DON'T SIGN UP FOR IT


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.

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