BlueCross BlueShield vs UnitedHealthcare

Kaitlyn Short
Kaitlyn Short | Senior Editor

BlueCross BlueShield and UnitedHealthcare are well-known health insurers. Both companies offer plans in many parts of the United States. Plan availability will vary based on location.

BlueCross BlueShield operates through many subsidiaries, which makes it trickier to compare it to other health insurers generally.

However, the best company for you depends on the kind of plan you need and what kinds of plans are available in your area.

BlueCross BlueShield logo
#1 BlueCross BlueShield
7.6 Overall Score
3.7
star star star star_half star_border
(766)
UnitedHealthcare logo
#5 UnitedHealthcare
7.1 Overall Score
3.1
star star star star_border star_border
(513)

Overview

BlueCross BlueShield

Health Plan Options

Customer Service Options

Perks and Support Programs

Time in Business

Undisclosed

UnitedHealthcare

Undisclosed

Ratings

BlueCross BlueShield

Overall Score
7.6 of 10
Review Score
3.7
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Value for Money
3.6
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Quality of Product or Service
3.7
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Company Trustworthiness
3.6
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Likely to Recommend
6.2 of 10

UnitedHealthcare

7.1 of 10
3.1
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3.1
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3.0
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3.0
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4.7 of 10

Reviews

BlueCross BlueShield

Number of Reviews
766
Review Breakdown
3.7
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1 star
19%
2 star
6%
3 star
8%
4 star
23%
5 star
43%

UnitedHealthcare

513
3.1
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1 star
35%
2 star
6%
3 star
6%
4 star
19%
5 star
34%

Reviews for BlueCross BlueShield

Helpful Favorable Review

star star star star star

Kaylee Lapinskie

March 14th, 2022

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Review Source

I have had BCBS for several years. I have always had a good experience with them. If there is a billing error with a provider they have been quick to respond. I have been fortunate that all of provider have been on their approved list.

Helpful Critical Review

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Jordan

December 28th, 2017

The blue cross and blue shield in sc is a piece of work!! my father is diabetic and could die with out his insurance. here is what happen he was paying his bill and they charged him a little over 300 dollars and he called to find out way and there response was a smokers charge WHEN he DOES NOT smoke. he can't afford over 300 dollars for insurance every month!!!

Reviews for UnitedHealthcare

Helpful Favorable Review

star star star star star_border

Tanya Falls Mouser

August 15th, 2022

I just signed up through Mr Benjamin P to united health he was awesome and the plan he foun for me was perfect.i look forward to using united health so far they have got to be an amazing company.and I've had many referrals to them that says alot thank you Benjamin and thank you united healthh

Helpful Critical Review

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Louis Romero

December 6th, 2022

DETAILS

UHC is false advertising the Colorado Doctors Plan. The Colorado Doctors Plan is sold under the UnitedHealthCare umbrella. This plan only covers a fraction of the health coverage of the parent company. My previous PCP accepted UHC. The Colorado Doctors Plan is not included. Additionally, the 500+ doctors they claim are In-network are either retired or not accepting new patients even though they claim otherwise pm their website. Read the fine print and you’ll find out that Colorado Doctors Plan insurance is subpar.

The Final Word

BlueCross BlueShield offers member discounts and rewards through Blue365®. Plan members of participating subsidiaries can receive discounts and rewards on products that encourage wellness, fitness, and nutrition.

BlueCross BlueShield also offers global health coverage to individuals, students, and businesses. UnitedHealthcare offers international health insurance as well; however, this insurance is geared for travelers. It is called international travelers insurance.

Some BlueCross BlueShield plans include access to a nationwide network, which is advantageous for people who travel frequently.

BlueCross BlueShield offers individual and family plans and employer-sponsored group plans.

BlueCross BlueShield also awards hospitals with either a Total Care or Blue Distinction® award. Health care providers must meet BlueCross BlueShield’s criteria that considers the quality and costs of their services.

UnitedHealthcare’s plans also vary by location. However, it does not have the subsidiaries like BlueCross BlueShield does.

UnitedHealthcare offers health insurance plans for individuals and families, Medicare, Medicaid, and non-traditional health plans, like short-term insurance, hospitalization insurance, critical illness insurance, and fixed indemnity health insurance.

UnitedHealthcare also offers student health plans. If you are a university student, these plans may be a good fit for your needs.

UnitedHealthcare’s Medicare plans are offered in partnership with the AARP. The AARP is committed to ensuring that seniors in the United States are taken care of, so this partnership shows UnitedHealthcare's interest in providing good Medicare plans to seniors.

UnitedHealthcare also offers group health plans for large and small businesses.

To compare plan offerings from each company, work with UnitedHealthcare and BlueCross BlueShield directly to learn more about what's available in your area.

Top Choice

BlueCross BlueShield Logo
BlueCross BlueShield

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