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BlueCross BlueShield

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4.2

Overall Score

Author: Kaitlyn Short

LAST UPDATED: January 20th, 2022

BlueCross BlueShield is a well-known health insurer and offers health insurance in many states across the United States through subsidiaries. BlueCross BlueShield offers Medicare Advantage, prescription drug coverage, and Medicare supplement insurance plans.

Whether you are interested in Advantage plans, prescription drug coverage, or want to purchase a Medigap plan to supplement Original Medicare, BlueCross BlueShield offers plans to meet your needs.

Read BlueCross BlueShield Medicare Reviews

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The Good

  • Medicare Plans Offered
  • Plans Available in Many States
  • Online Resources

Medicare Plans Offered

BlueCross BlueShield offers Medicare Advantage (Part C) plans, Prescription Drug (Part D) plans, and Medicare supplement insurance. Medicare beneficiaries can enroll in these plans through any insurer that carries these plans. 

Original Medicare only covers Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). You enroll in these plans through Social Security. Purchasing a prescription drug plan will provide coverage for your medications. Medicare supplement plans help pay for out-of-pocket expenses (coinsurance or copay) from Medicare Parts A and B.

Medicare Advantage plans cover the same services Original Medicare does. Most of these plans also have qualifying prescription drug coverage and out-of-pocket limits to help you control costs.

For more information on Medigap coverage, Advantage plans, prescription drug coverage and premium amounts, you should contact BlueCross BlueShield directly.

Plans Available in Many States

BlueCross BlueShield has several subsidiaries across the United States. Some of its subsidiary companies focus their services in a certain area. If you're not sure which BlueCross BlueShield branch serves your area, you can go through BlueCross BlueShield's website. The website will direct you to the service provider in your area after you input your zip code.

Online Resources

BlueCross BlueShield's website offers good information on how Medicare works and its parts. Medicare shoppers can learn from this information without pressure to purchase a plan through BlueCross BlueShield.

The BlueCross BlueShield website also allows visitors to view and compare Medicare plans online. This comparison tool can make it easier for people to find a Medicare plan that meets their needs. Medicare shoppers can also enroll in a plan online.

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The Bad

  • Limited Customer Insight
  • Plan Offerings May Vary or Change Year to Year

Limited Customer Insight

Best Company has not recieved many reviews for BlueCross BlueShield Medicare. Due to this lack of reviews, general conclusions about the Medicare customer experience and recommendations are not available.

Plan Offerings May Vary or Change Year to Year

Some Medicare Advantage plan specifics may vary depending on your location. They may also vary plan to plan. While there is some variability, Medicare Advantage plans offer both medical and hospital insurance. Prescription drug plans can change what medications are covered. Medicare Advantage plans can have network changes.

Medicare is run by the government, so as the government makes changes, some offerings may be discontinued or new offerings rolled out. It's a good idea to look out for how Medicare is changing and review your Annual Notice of Change letter.

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The Bottom Line

BlueCross BlueShield is worth exploring further when looking for a Medicare supplement insurance plan, prescription drug coverage, or a Medicare Advantage plan. 

As plan options may vary based on your location, work with BlueCross BlueShield directly to learn more about coverage options, benefits, monthly premium costs, and out-of-pocket expenses. 

As you evaluate plans, pay attention to what each plan covers and costs to find a plan that best meets your needs. If you've already enrolled in Medicare, pay attention to how your plan has changed to make sure you have coverage the meets your financial and medical needs.

While it's frustrating that information on BlueCross BlueShield's general Medicare coverage is limited, it's understandable because the insurance company has so many regional subsidiaries.

To determine whether BlueCross BlueShield Medicare coverage is a good fit for you, you'll need to check with the subsidiary in your area. You should also consider customer reviews for your BlueCross BlueShield subsidiary as you make your choice.

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Star Rating

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3.6

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23 Reviews

Review Breakdown

5 grade

39%

4 grade

22%

3 grade

17%

2 grade

4%

1 grade

17%

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roberto arcia Columbia, MO

I have been a BlueCross BlueShield medicare member for the past three years. I am very glad that I am using BlueCross BlueShield as they have various different healthcare options that are highly affordable. I will continue to use BlueCross BlueShield Medicare for as long as I can since they are such a cost-effective, yet highly coveraged health insurance.

3 years ago

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Steve Love

I have a medigap policy with Blue Cross. They are very good at paying claims and I have a lot of them. Sometimes they ar a little difficult to get a hold of but I rarely have to contact them which is a good thing!

5 years ago

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Glenn Dalton Salt Lake City, UT

my current provider. I have had a liver transplant, Heart surgery, liver cancer, Kidney issues and they have never balked once at paying the needed medical expenses. Great service with kind professional staff. The cost is minimal for the service you are entitled to .

3 years ago

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Basil48 ,

Have had coverage with BCBS for over 30 years. Excellent service and options. Medical part is exceptional. Dental and vision parts are adequate. BlueCross recognized everywhere, even overseas. In combo with MedicareIns coverage for all medical procedures is 99.9% paid by insurances.

4 years ago

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GrandpaRod Lehi, UT

I have Medicare and a Blue Cross Regence Supplement. I have enjoyed their service for over 40 years. I have called in a few times and they have an excelling caring staff who try to answer every question. I am glad I have a policy with Regence.

5 years ago

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Maureen Ponzi Zephyrhills, FL

Good hospital benefits and great we'll care. I must say, though, that every year premiums go up and benefits go down. Unfortunately, pensions and Medicare stay the same.

4 years ago

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Richard Baker Las Cruces, NM

long time customer 50 + yrs caring easy to communicate with if necessary. My Medicare supplement through former employer.

4 years ago

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Steven Klaproth Phoenix, AZ

Blue Cross Blue Shield offers an excellent variety of supplemental Medicare products with outstanding customer service.

4 years ago

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Cynthia DeGrey ,

They currently provide my Medicare supplemental coverage and provide good coverage

4 years ago