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
star star star star_half star_border
(604)
Cigna logo verified_user
#2 Cigna
7.7 Overall Score
2.8
star star star_half star_border star_border
(211)

Overview

BlueCross BlueShield

Time in Business

85 Years

Cigna

39 Years

Ratings

BlueCross BlueShield

Overall Score
8.2 of 10
Review Score
3.8
star star star star_half star_border
Value for Money
3.5
star star star star_half star_border
Quality of Product or Service
3.6
star star star star_half star_border
Company Trustworthiness
3.6
star star star star_half star_border
Likely to Recommend
6.7 of 10

Cigna

7.7 of 10
2.8
star star star_half 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_half star_border star_border
3.3 of 10

Reviews

BlueCross BlueShield

Number of Reviews
604
Review Breakdown
3.8
star star star star_half star_border
5 star
45%
4 star
26%
3 star
9%
2 star
6%
1 star
14%

Cigna

211
2.8
star star star_half star_border star_border
5 star
24%
4 star
20%
3 star
10%
2 star
6%
1 star
40%

Reviews for BlueCross BlueShield

Helpful Favorable Review

star star star star star

Vicki H. Poolesville, MD

I used BlueCross BlueShield with the last company I worked with. They had reasonable rates and good coverage. I always had good service from them and no problems paying any medical bills covered by the policy.

1 month ago

Helpful Critical Review

star star_border star_border star_border star_border

Child of the Queen Washington, DC

I have been trying to get through to a CSR for over 3hrs. to no avail. The hold time is over an hour! I stepped away and came back to call again.. was on hold 30mins for someone to disconnect the call w/o ever saying hello! How is this acceptable? I can see why people are thinking differently of this insurance lately! Also BCBS direct website is almost ALWAYS down! Why is the hold time sooo long??!

4 weeks ago

Reviews for Cigna

Helpful Favorable Review

star star star star star_border

Tracey Columbia, MD

Overall great service. My insurance uses cigna for pricing so my deductibles and co-pays may be different as well as out of pocket cost, but I've never had an issue. My only problem with cigna is that they go thru ash for their chiro first and thats a pain in the rear to get communication with ash when there's a problem.

3 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Chelsea96 Bolton, BOL

Cigna customer service is ridiculous response to emails months, to get through on the phone 45 minuet wait and then when you get through staff very rude I would not recommend AXA is 100% better than Cigna on customer service

4 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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