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
8.2 Overall Score
3.8
starstarstarstar_halfstar_border
(493)
Cigna logo verified_user
#3 Cigna
7.9 Overall Score
2.8
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(183)

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
7.9 of 10
Review Score
Review Score
3.8
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2.8
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Value for Money
Value for Money
3.3
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2.6
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Quality of Product or Service
Quality of Product or Service
3.4
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2.6
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Customer Service
Customer Service
3.4
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2.8
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Company Trustworthiness
Company Trustworthiness
3.4
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2.7
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Likely to Recommend
Likely to Recommend
6.4 of 10
3.0 of 10

Reviews

BlueCross BlueShield

Cigna

Number of Reviews
Number of Reviews
493
183
Review Breakdown
Review Breakdown
3.8
starstarstarstar_halfstar_border
5 star
43%
4 star
26%
3 star
9%
2 star
7%
1 star
15%
2.8
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5 star
23%
4 star
19%
3 star
11%
2 star
7%
1 star
40%

Reviews for BlueCross BlueShield

Helpful Favorable Review

starstarstarstar_borderstar_border

Matters

September 25th, 2020 Norfolk, VA DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Not a bad experience. They cover what you pay for. I only had difficulty with talking to their representatives. It’s difficult to reach anyone by phone. Wish they made this process more user friendly


Helpful Critical Review

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Arrianna Buttram

September 25th, 2020 San Bernardino, CA

My experience with Blue Shield has been the worst. I will recommend or renew with this insurance provider. In July of 2018, I was taken to the ER in Nevada to Sunrise Hospital for immediate treatment. I had given all the proper documentation with correct Blue Shield insurance information - to the Sunrise Hospital. I ensured I paid the ambulance bill, which blue shield covered.


Reviews for Cigna

Helpful Favorable Review

starstarstarstarstar

Jessica Archuleta

September 25th, 2020 Riverton, UT DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I use Cigna as a second insurance since my husband's is our primary. They have been great to work with . They very easy to work with when it comes to them picking up what is left after my husbands insurance


Helpful Critical Review

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John

September 25th, 2020 Delmar, NY DETAILS arrow_drop_down
Value for your money
starstarstarstar_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

Switch over to their COBRA coverage administered via Bswift....horrible! Phone systems with 50 minute holds routine, call backs that never come. Email systems that are send you confirmation system that go to other companies NOT there own. Then policy changes never occur. 60 days and no changes 8 phone call, 2 communications in person, no direct call back. ALL WITH THE THREAT OF COVERAGE CANCELLATION LOOMING WHILE THEY ARE NOT EFFECTIVE. NEVER EVER EVER RECOMMENDING AND ALWAYS WILL SHARE THIS OPINION.


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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