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
7.6 Overall Score
3.6
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(313)
Cigna logo verified_user
#3 Cigna
7.4 Overall Score
2.6
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(151)

Overview

BlueCross BlueShield

Cigna

States Serviced
States Serviced
50
50
Time In Business
Time In Business
83 Years
37 Years

Ratings

BlueCross BlueShield

Cigna

Overall Score
Overall Score
7.6 of 10
7.4 of 10
Review Score
Review Score
3.6
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2.6
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Value for Money
Value for Money
3.3
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2.5
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Quality of Product or Service
Quality of Product or Service
3.5
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2.5
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Customer Service
Customer Service
3.4
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2.7
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Company Trustworthiness
Company Trustworthiness
3.5
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2.6
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Likely to Recommend
Likely to Recommend
4.7 of 10
1.8 of 10

Reviews

BlueCross BlueShield

Cigna

Number of Reviews
Number of Reviews
313
151
Review Breakdown
Review Breakdown
3.6
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5 star
35%
4 star
29%
3 star
10%
2 star
7%
1 star
19%
2.6
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5 star
19%
4 star
21%
3 star
9%
2 star
6%
1 star
45%

Reviews for BlueCross BlueShield

Helpful Favorable Review

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Aunt Cathy

January 23rd, 2020 Bay Saint Louis, MS DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Wish we were still with them, tho they gotten pretty expensive.. But they paid EVERYTHING for my son's knew surgery and PT. there was no limit on appts he needed.. My hysterectomy , I think cost me $200 to $300. PERIOD!! They took care of us


Helpful Critical Review

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Richard Vanderstek

January 23rd, 2020 San Antonio, TX DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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The worse ever! I have never been so mistreated by a company in my life. Their error cost me 3 weeks of having medical insurance, and I still had to pay for the full month of coverage so I did not lose coverage. I spent over 6 hours with them on the phone fixing their error... time toilet! Integrity is just a word. If they were a retail store they would be out of business.


Reviews for Cigna

Helpful Favorable Review

starstarstarstarstar

Terri wills

September 24th, 2019 Frederick, MD DETAILS arrow_drop_down
Value for your money
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Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
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Cigna saved my life! I went into the hospital two years ago for suicide. Cigna was on it, they gave me a case manager, they gave me a counselor 24 seven 365. They set me up with the mental health professionals that I needed. They helped me with medical as well. But it when it comes down to it Cigna saved my life!


Helpful Critical Review

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Josef Bloch

January 14th, 2020 Cassville, NJ DETAILS arrow_drop_down
Value for your money
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Quality of product or service
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Customer service
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Company trustworthiness
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Couldn’t be worse. Their policy as to paying Medical bills is very simple and straightforward. JUST SAY NO!! They turn down everything. The best most accredited Doctors can recommend a test and Cigna will make you jump through 17 hoops and end up saying NO! So you pay for Cigna Insurance and you pay your own Medical bills.


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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