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
#2 BlueCross BlueShield
7.9 Overall Score
3.8
star star star star star_border
(647)
Cigna logo verified_user
#3 Cigna
7.6 Overall Score
2.8
star star star star_border star_border
(236)

Overview

BlueCross BlueShield

Time in Business

85 Years

Cigna

39 Years

Ratings

BlueCross BlueShield

Overall Score
7.9 of 10
Review Score
3.8
star star star star star_border
Value for Money
3.6
star star star star_half star_border
Quality of Product or Service
3.8
star star star star star_border
Company Trustworthiness
3.8
star star star star star_border
Likely to Recommend
6.5 of 10

Cigna

7.6 of 10
2.8
star star star star_border star_border
2.7
star star star_half star_border star_border
2.7
star star star_half star_border star_border
2.8
star star star star_border star_border
3.3 of 10

Reviews

BlueCross BlueShield

Number of Reviews
647
Review Breakdown
3.8
star star star star star_border
5 star
44%
4 star
26%
3 star
9%
2 star
6%
1 star
15%

Cigna

236
2.8
star star star star_border star_border
5 star
24%
4 star
19%
3 star
9%
2 star
6%
1 star
42%

Reviews for BlueCross BlueShield

Helpful Favorable Review

check_circle

Review Source

star star star star star_border

Alicia Turner Denver, CO

Blue cross blue shield has good coverage and has to be accepted everywhere that accepts blue cross for the specific state. They can be hard to talk to and actually get answers. It can be hard to get things approved but the more information sent to them the better.

2 months ago

Helpful Critical Review

star star_border star_border star_border star_border

William Vanoosten Middleville, MI

BCBS of Michigan biggest scam artists around. CPAP machine and have met deductible but say it's rent to own so will reset in 2 months so they get out of paying even though service has been done and I gave machine. Worthless piece insurance company!!!!

1 week ago

Reviews for Cigna

Helpful Favorable Review

star star star star star_border

M Wilson Houston, TX

Health coverage through them for several years. Competitive rates with better than average customer care. Only complaint is they make you go through their online pharmacy for prescriptions which can be a negative sometimes

1 month ago

Helpful Critical Review

star star_border star_border star_border star_border

Joe Lapham Cookeville, TN

Cigna is terrible. They do not pay claims. they do not return phone calls. I was even working with a supervisor to get a refund for the bills I paid to keep my credit in good shape. Your jumping threw hoops like a circus dog. You've been warned. Do not do business with them.

2 days 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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