1. BlueCross BlueShield vs Cigna

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
7.7 Overall Score
3.6
starstarstarstar_halfstar_border
(375)
Cigna logo verified_user
#4 Cigna
6.8 Overall Score
2.6
starstarstar_halfstar_borderstar_border
(157)

Overview

BlueCross BlueShield

Cigna

States Serviced
States Serviced
50
50
Time In Business
Time In Business
84 Years
38 Years

Ratings

BlueCross BlueShield

Cigna

Overall Score
Overall Score
7.7 of 10
6.8 of 10
Review Score
Review Score
3.6
starstarstarstar_halfstar_border
2.6
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Value for Money
Value for Money
3.4
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2.4
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Quality of Product or Service
Quality of Product or Service
3.6
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2.5
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Customer Service
Customer Service
3.5
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2.7
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Company Trustworthiness
Company Trustworthiness
3.6
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2.6
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Likely to Recommend
Likely to Recommend
5.4 of 10
1.9 of 10

Reviews

BlueCross BlueShield

Cigna

Number of Reviews
Number of Reviews
375
157
Review Breakdown
Review Breakdown
3.6
starstarstarstar_halfstar_border
5 star
37%
4 star
29%
3 star
10%
2 star
7%
1 star
18%
2.6
starstarstar_halfstar_borderstar_border
5 star
18%
4 star
20%
3 star
10%
2 star
7%
1 star
45%

Reviews for BlueCross BlueShield

Helpful Favorable Review

starstarstarstarstar

Mia miga7440

July 16th, 2020 Denver, CO DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Ive had BlueCross BlueShield for years, and Ive never had in troubles with my medical bills. Its a great insurance company and covers almost everything. I highly suggest this insurance company for you and your family.


Helpful Critical Review

starstarstar_borderstar_borderstar_border

Emily

July 16th, 2020 Tallahassee, FL DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

I had their coverage under Medicaid and I was paying so much for my monthly premiums and had to pay so much out of pocket and had very limited provider options. The insurance I have now is much better and I pay less.


Reviews for Cigna

Helpful Favorable Review

starstarstarstarstar

Rickey

July 16th, 2020 Lehi, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Cigna customer service is really nice, especially with their extra features. I had a bad experience once with a teledoc appointment and left them feedback internally. They called me back the next day, refunded my appointment, and thanked me for the suggestions on how to improve the service. I've never had an issue with them working with doctors on payments or denying any claims. I've used Cigna for 3 years.


Helpful Critical Review

starstarstar_borderstar_borderstar_border

Linda Lewis

July 16th, 2020 Woodland Park, CO DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

I called to ask if work was going to be covered under 2019 or 2020 benefits, and was told it would be under 2020. After the work was done, they refused to cover it, saying it was under 2019 and my benefit had already been used. I went through ALL of their appeals - which, by the way, are all in-house - and they still refused. If you can't trust the information they give you over the phone, then you can't trust them, period.


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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