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 verified_user
#2 BlueCross BlueShield
8.5 Overall Score
3.8
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(744)
UnitedHealthcare logo
#3 UnitedHealthcare
7.5 Overall Score
3.2
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(489)

Overview

BlueCross BlueShield

Health Plan Options

N/A

Customer Service Options

N/A

Perks and Support Programs

N/A

Time in Business

Undisclosed

UnitedHealthcare

N/A

N/A

N/A

Undisclosed

Ratings

BlueCross BlueShield

Overall Score
8.5 of 10
Review Score
3.8
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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
3.7
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Likely to Recommend
6.4 of 10

UnitedHealthcare

7.5 of 10
3.2
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3.1
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3.1
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3.0
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4.8 of 10

Reviews

BlueCross BlueShield

Number of Reviews
744
Review Breakdown
3.8
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5 star
45%
4 star
24%
3 star
8%
2 star
6%
1 star
17%

UnitedHealthcare

489
3.2
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5 star
35%
4 star
20%
3 star
6%
2 star
6%
1 star
33%

Reviews for BlueCross BlueShield

Helpful Favorable Review

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Review Source

star star star star star

Kaylee Lapinskie Foley, AL

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.

2 months ago

Helpful Critical Review

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Igwe Matthias Xll SC

What is the grace period policy of BCBS so ruthless? Why would it take 4 days to remove a grace period when people get their account up to date? You are dealing with people's health and life. That policy needs to be reviewed and removed. When an account is up to date, there should be no restrictions.

2 days ago

Reviews for UnitedHealthcare

Helpful Favorable Review

star star star star_border star_border

Christopher Lee Berkeley, CA

I have UnitedHealthcare's select managed care plan through my employer and I've honestly found it below . Their coverage is great - almost no out of pocket cost - but the providers they do have in network are subpar. They also do not have an updated list of providers in their network which makes finding one very difficult. When I called to see if they had a more updated list, the customer service rep said they would email me a list of providers for my area and never did. It's interactions with companies like these that drive me a little crazy.

1 week ago

Helpful Critical Review

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Kevin Yeung Braintree, MA

I recently just started to have United Healthcare as my insurance provider because of my new job. I have diabetes and declined my Ominpod Dash Diabetes management system. I dont think this insurance really cares about the health being of us. Just another money grabber.

1 week ago

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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