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BlueCross BlueShield


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21 User Reviews


Overall Score

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LAST UPDATED: November 1st, 2021

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


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.


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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21 Reviews

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Mark McKeown Raleigh, NC

Have a BCBS Medicare Advantage plan and it is expensive, the provider network is somewhat limited, and customer service is difficult to get. Their online app is great though. And it is recognized most everywhere

1 year ago


Review Source

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David T Draper, UT

I didn't love the lack of choices in doctors with BlueCross. Their customer service wasn't that great either, they didn't seem understanding or sympathetic to me.

1 year ago

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Steph H Boise, ID

I ve had to have discussions with them re tests they would not cover from my medicare annual visit..

2 years ago

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Joannetta Jarman Secaucus, NJ

A dependable company that you can usually count on someone taking their insurance and it covering a fair portion.

9 months ago