1. BlueCross BlueShield vs UnitedHealthcare

BlueCross BlueShield vs UnitedHealthcare

Alice Stevens
Alice Stevens | 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
#1 BlueCross BlueShield
8.2 Overall Score
3.8
starstarstarstar_halfstar_border
(546)
UnitedHealthcare logo verified_user
#6 UnitedHealthcare
7.4 Overall Score
3.3
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(369)

Overview

BlueCross BlueShield

UnitedHealthcare

Time In Business
Time In Business
84 Years
46 Years

Ratings

BlueCross BlueShield

UnitedHealthcare

Overall Score
Overall Score
8.2 of 10
7.4 of 10
Review Score
Review Score
3.8
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3.3
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Value for Money
Value for Money
3.4
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3.0
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Quality of Product or Service
Quality of Product or Service
3.6
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3.0
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Customer Service
Customer Service
3.5
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3.0
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Company Trustworthiness
Company Trustworthiness
3.5
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3.0
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Likely to Recommend
Likely to Recommend
6.7 of 10
4.9 of 10

Reviews

BlueCross BlueShield

UnitedHealthcare

Number of Reviews
Number of Reviews
546
369
Review Breakdown
Review Breakdown
3.8
starstarstarstar_halfstar_border
5 star
45%
4 star
27%
3 star
8%
2 star
6%
1 star
14%
3.3
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5 star
34%
4 star
23%
3 star
7%
2 star
7%
1 star
30%

Reviews for BlueCross BlueShield

Helpful Favorable Review

starstarstarstarstar

charlotte foster

November 29th, 2020 Roaring Springs, TX DETAILS arrow_drop_down
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Blue Cross Blue Shield has been so consistent over the years. I have a chronic disease and have not had to worry about not having good coverage. I rarely have to pay for my expensive medicine and that is much appreciated. I will always choose BCBS over any other health insurance. The Healthcare Marketplace has provided access to BCBS in both Texas and Arkansas for me over the years, and for that, I am sooooo grateful. Customer service at BCBS has always been there for me as well. I definitely recommend it to anyone that asks.


Helpful Critical Review

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Logan McKee

November 29th, 2020 Austin, TX DETAILS arrow_drop_down
Value for your money
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Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstar_borderstar_border

Imagine being a very healthy family of 3 and having to pay a little over $500 a month on health insurance. Then, Imagine going for one 25-minute doctor visit and having to pay $165. Well, sadly this is the reality for my family. Health "care" in America is broken. It is disgusting how much money people pay. Dare I say, this is borderline corruption. My doctor was great, but the bills/payments from insurance are terrible.


Reviews for UnitedHealthcare

Helpful Favorable Review

starstarstarstarstar_border

LBishop

November 29th, 2020 Logan, UT DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstarstar_border

I wish they had better coverage for mental health help. I have been trying to find a counselor for teens. There isn’t very many counselors that are covered to get them in to see when it becomes a crisis. More coverage of counselors would be great!


Helpful Critical Review

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War Monger

November 29th, 2020 Fort Wayne, IN DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

The insurance is affordable and the deductible is low, but they iften slow pay the doctors. They also change my prescriptions that my doctor gives out because apparently they know better. Also forced to use cvs pharmacy to get 90 day supply because they have a "deal" with them. Reeks of collusion


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.

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