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 verified_user
#2 BlueCross BlueShield
8.5 Overall Score
3.8
star star star star star_border
(744)
Cigna logo verified_user
#7 Cigna
6.7 Overall Score
2.7
star star star_half star_border star_border
(294)

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
8.5 of 10
Review Score
3.8
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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
3.7
star star star star_half star_border
Likely to Recommend
6.4 of 10

Cigna

6.7 of 10
2.7
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2.6
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2.6
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2.7
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3.2 of 10

Reviews

BlueCross BlueShield

Number of Reviews
744
Review Breakdown
3.8
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5 star
45%
4 star
24%
3 star
8%
2 star
6%
1 star
17%

Cigna

294
2.7
star star star_half star_border star_border
5 star
23%
4 star
17%
3 star
9%
2 star
6%
1 star
44%

Reviews for BlueCross BlueShield

Helpful Favorable Review

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Review Source

star star star star star

Kaylee Lapinskie Foley, AL

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.

2 months ago

Helpful Critical Review

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Igwe Matthias Xll SC

What is the grace period policy of BCBS so ruthless? Why would it take 4 days to remove a grace period when people get their account up to date? You are dealing with people's health and life. That policy needs to be reviewed and removed. When an account is up to date, there should be no restrictions.

3 days ago

Reviews for Cigna

Helpful Favorable Review

star star star star_border star_border

Velma Merritt Ozark, MO

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.

3 months ago

Helpful Critical Review

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Cheryl R DeLand, FL

I bought covid home tests and trying to get reimbursed is next to impossible. They tell you they will pay for them but when you buy them it's impossible to get a claim processed without at least an 8 hour ordeal. Extremely frustrating for something so important today.

1 week ago

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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