BlueCross BlueShield vs UnitedHealthcare

McCall Martin
McCall Martin | 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
8.1 Overall Score
3.0
star star star star_border star_border
(834)
UnitedHealthcare logo
#5 UnitedHealthcare
6.9 Overall Score
2.3
star star star_half star_border star_border
(555)

Overview

BlueCross BlueShield

Health Plan Options

Customer Service Options

Perks and Support Programs

Time in Business

Undisclosed

UnitedHealthcare

Undisclosed

Ratings

BlueCross BlueShield

Overall Score
8.1 of 10
Review Score
3.0
star star star star_border star_border
Value for Money
3.5
star star star star_half star_border
Quality of Product or Service
3.6
star star star star_half star_border
Company Trustworthiness
3.6
star star star star_half star_border
Likely to Recommend
6.1 of 10

UnitedHealthcare

6.9 of 10
2.3
star star star_half star_border star_border
3.0
star star star star_border star_border
3.0
star star star star_border star_border
2.9
star star star star_border star_border
4.6 of 10

Reviews

BlueCross BlueShield

Number of Reviews
834
Review Breakdown
3.0
star star star star_border star_border
1 star
21%
2 star
6%
3 star
8%
4 star
23%
5 star
43%

UnitedHealthcare

555
2.3
star star star_half star_border star_border
1 star
37%
2 star
6%
3 star
6%
4 star
19%
5 star
32%

Reviews for BlueCross BlueShield

Helpful Favorable Review

star star star star star

Sinister Babe

January 12th, 2024

DETAILS

One of the best insurance providers that I have had, the monthly premium was pretty pricey, but I had it through the company I work for so it was just pulled out of my check every month which was convenient. The app was super easy to use and navigate though. I really enjoyed being able to check how much I have left to meet my deductible.

Helpful Critical Review

star star_border star_border star_border star_border

Jennifer Y

March 1st, 2024

I hate having BCBS as my health insurance provider. It’s just plain lousy. They hardly cover anything and navigating through their website is awful. The 5 star reviews sounds like they’re getting paid to leave one.

Reviews for UnitedHealthcare

Helpful Favorable Review

star star star star star

Tana Tuggle

November 28th, 2023

DETAILS

I had United Healthcare for 5 years and I must say, I had nothing but good experiences with this company. I noticed when my primary care doctor would need authorization from the company to send me to a specialist, (nose, ear, throat doctor, pulmonary specialist etc.) I would get quick feedback, every specialist that I have seen, there was never a problem with my referrals. Since I had to see quite a few specialist, along with taking test constantly, I never had to cancel an appointment due to no referral from United HealthCare. Great Company!!!

Helpful Critical Review

star star_border star_border star_border star_border

Jeffrey Topps

January 3rd, 2024

DETAILS

I been with United healthcare since October 1st 2023 it was good at first.but when January 1st 2024.it was a nightmare United healthcare U card stopped working the Customer service got really bad I been hang up on twice very rude Customer service is very bad I'm very disappointed I can't even put food in the house.

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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