Blue Cross Blue Shield Insurance Review [2024]

Blue Cross Blue Shield, one of the nation's largest health insurance providers, extends its coverage across all U.S. states, including Medicare and Medicaid options.

UPDATED: Dec 7, 2023Fact Checked

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

UPDATED: Dec 7, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Dec 7, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 7, 2023Fact Checked
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Blue Cross Blue Shield

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Extensive network of doctors and healthcare providers
  • Nationwide coverage across all 50 states
  • Diverse range of insurance plans to suit different needs
  • Generally good customer service and online tools for managing insurance

Cons

  • Higher cost compared to some other insurance providers
  • Network limitations may result in higher out-of-pocket

Final Verdict: Review of Blue Cross Blue Shield

If you are searching for health insurance coverage, you may have heard of Blue Cross Blue Shield (BCBS). Blue Cross Blue Shield is one of the world’s largest health insurance companies, offering coverage in every state in the U.S., including Puerto Rico and the District of Columbia.

Blue Cross Blue Shield has countless health insurance options. As you figure out how to apply for health insurance, it’s important that you compare rates from one company to the next so you can get the cheapest coverage.

You can use our free quote tool above to compare health insurance quotes from multiple companies and figure out which one would work best for you and your family.

[su_box title="The Lowdown" style="default"]
  • Blue Cross Blue Shield offers health insurance coverage in every state in the U.S., including Puerto Rico and the District of Columbia
  • Including BCBS affiliate companies, Blue Cross Blue Shield provides health insurance for over 100 million individuals
  • BCBS has an A (Excellent) rating with A.M. Best and an A+ rating with the Better Business Bureau
[/su_box] If you are searching for health insurance coverage, you may have heard of Blue Cross Blue Shield (BCBS). Blue Cross Blue Shield is one of the world's largest health insurance companies, offering coverage in every state in the U.S., including Puerto Rico and the District of Columbia. Blue Cross Blue Shield has countless health insurance options. As you figure out how to apply for health insurance, it's important that you compare rates from one company to the next so you can get the cheapest coverage. You can use our free quote tool above to compare health insurance quotes from multiple companies and figure out which one would work best for you and your family.

What You Should Know About Blue Cross Blue Shield

Blue Cross Blue Shield offers health insurance coverage all across the country. Whether you are looking for individual coverage, coverage for you and your family members, Medicare, or Medicaid, BCBS has options for you to consider.

By virtue of offering health insurance in so many places, Blue Cross Blue Shield is an affiliation of over 35 separate and independent insurance companies.

Blue Cross Blue Shield has over 100 million policyholders when you consider all its licensed affiliates and organizations. In addition, nearly 90% of medical providers in the United States have some sort of contract with BCBS.

This means that if you have a policy with Blue Cross Blue Shield, you are extremely likely to find doctors and specialists in your network regardless of where you live.

What is Blue Cross Blue Shield Anthem?

Blue Cross Blue Shield Anthem is one of the company’s many licensed affiliates. Anthem provides very similar coverage to BCBS but is only available in 14 states in the U.S.

As an affiliate of Blue Cross Blue Shield, Anthem is ranked second in the country for both its number of members and its annual revenue. Additionally, Anthem is ranked as the largest of BCBS affiliates, earning around $90 billion each year from policyholders.

Blue Cross Blue Shield may offer Anthem in your state. If not, there are likely other affiliates to choose from. If you receive health insurance through your employer, you may find that your employer uses a BCBS affiliate as well.

Does BCBS have an easy-to-use website?

The Blue Cross Blue Shield website is very user-friendly. For many states, BCBS has a state-specific website that will allow you to access your account and see who is in your network by utilizing the My Blue Cross Blue Shield section.

To access My Blue Cross Blue Shield, you just need to use your Blue Cross Blue Shield login. You’ll find helpful information about your plan, and you’ll also be able to speak to an agent if you have any questions.

Does BCBS have good ratings and reviews?

Blue Cross Blue Shield received an A (Excellent) financial strength rating from A.M. Best. with a stable outlook and credit ratings.

BCBS also has an A+ rating with the Better Business Bureau (BBB), but the company’s website shows that the BCBS customer reviews are one out of five stars.

It is clear that Blue Cross Blue Shield is financially sound and has the ability to support its policyholders when it comes to their individual policies. Though BCBS customer reviews are not perfect, the company has a lot to offer.

Should I buy health insurance with Blue Cross Blue Shield?

You can purchase BCBS coverage anywhere in the U.S., so it’s not a bad idea to speak to an agent and see how much you’d be paying for your health insurance coverage.

If you already have health insurance through work or another plan, BCBS may still be a good choice for supplemental insurance. This depends on the type of plan you would purchase.

But before you make any decisions, you should shop around to see how much you could save with other companies and plans. Don’t commit to anything until you’ve done your homework to make sure you don’t overpay for health insurance.

In fact, you can use our free tool below to compare health insurance rates from top companies in your state today.

Blue Cross Blue Shield Insurance Coverage Options

Blue Cross Blue Shield stands as a beacon of comprehensive health insurance, offering an array of coverage options to suit diverse needs. From individual plans to specialized programs, BCBS ensures that you find the right coverage for your health and well-being.

  • Individual Coverage: Tailored plans designed to meet the specific health needs of individuals.
  • Family Plans: Comprehensive coverage extending to your entire family, ensuring their health and security.
  • Medicare Coverage: Specialized plans catering to the health requirements of seniors, providing peace of mind during retirement.
  • Medicaid Options: Accessible coverage options for those eligible for Medicaid, ensuring healthcare for individuals and families with limited financial means.
  • Employer-Sponsored Plans: Coverage provided through employer partnerships, offering a range of benefits to employees.
  • Wellness Programs: Participate in BCBS wellness programs to enjoy preventive care and holistic health coverage.

Blue Cross Blue Shield’s commitment to diverse coverage options reflects its dedication to safeguarding the health and well-being of individuals and families. With these choices, BCBS ensures that your unique healthcare needs are met with precision and care.

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Blue Cross Blue Shield Insurance Rates Breakdown

Driver ProfileBlue Cross Blue ShieldNational Average
Clean Record$90$119
1+ Ticket$220$147
1+ Accident$250$173
DUI$320$209
Poor Credit$155$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Health insurance rates with any company will vary until the company gets to know more about you. This makes it difficult to guess how much you can expect to pay in health insurance rates.

When it comes to Blue Cross Blue Shield, the table below shows average health insurance rates for 2021 based on the plan. The table also highlights potential health insurance rates for 2022.

All of these prices are subject to change based on your personal health factors, whether you get health insurance through an employer, and whether you’re eligible for government assistance.

Blue Cross Blue Shield Rates

Plan 2021 Monthly Rates 2022 Monthly Rates
BCBS Self Basic Plan $681.24 $694.94
BCBS Self & Family Basic Plan $1,654.29 $1,703.91
BCBS Self Plus One Basic Plan $1,531.03 $1,561.65
BCBS Self Standard Plan $790.90 $806.72
BCBS Self & Family Standard Plan $1,868.47 $1,924.52
BCBS Self Plus One Standard Plan $1,729.59 $1,764.19

As you can see from the table above, individual health insurance is by far the most cost-effective option. When you add additional people to a health insurance plan, you may wonder whether your health insurance costs too much.

If the rates in the table above seem high, you can do additional research to find health insurance rates that will work with your budget. In some cases, this may mean that you sacrifice some of the conveniences of working with a larger insurance company, but that may be worth it.

Blue Cross Blue Shield Discounts Available

DiscountBlue Cross Blue Shield
Anti Theft10%
Good Student7%
Low Mileage12%
Paperless5%
Safe Driver15%
Senior Driver2%

Blue Cross Blue Shield not only prioritizes your health but also offers a range of discounts to make your insurance coverage even more accessible. These discounts cater to diverse needs, providing added value to your insurance experience.

  • Multi-Policy Discount: Save by bundling your health insurance with other policies.
  • Healthy Lifestyle Incentives: Enjoy discounts for maintaining a healthy lifestyle, encouraging overall well-being.
  • Good Student Discount: If you’re a student meeting academic criteria, you may qualify for additional savings.
  • Employer-Sponsored Plans: Some employers offer discounts on BCBS plans, providing cost-effective options.
  • Family Plans: Opting for family coverage often comes with discounted rates compared to individual plans.
  • Wellness Program Discounts: Participate in BCBS wellness programs to access exclusive discounts on health-related services.

With Blue Cross Blue Shield, your health and financial well-being are a priority. Take advantage of these discounts to not only safeguard your health but also ensure a budget-friendly insurance experience tailored to your unique circumstances.

How Blue Cross Blue Shield Ranks Among Providers

In the dynamic landscape of health insurance, Blue Cross Blue Shield faces competition from other prominent players striving to provide comprehensive coverage and exceptional service. Here are some key competitors challenging the industry norms alongside BCBS.

  • UnitedHealthcare: Known for its extensive network and innovative health solutions, UnitedHealthcare is a formidable competitor in the health insurance sector.
  • Aetna: Aetna, now part of CVS Health, offers a broad range of health insurance products and services, emphasizing customer-centric healthcare solutions.
  • Cigna: Renowned for its global reach and commitment to improving individual health and well-being, Cigna competes closely with BCBS in the health insurance market.
  • Humana: Specializing in Medicare Advantage plans, Humana is a significant competitor, particularly in the senior health insurance segment.
  • Anthem, Inc.: As a member of the Blue Cross Blue Shield Association, Anthem operates as an independent licensee and competes directly with BCBS in various markets.

In the ever-evolving realm of health insurance, competition drives innovation and customer-focused solutions. Blue Cross Blue Shield navigates this landscape alongside these key competitors, ensuring that individuals and families have access to a range of choices for their healthcare needs.

Frequently Asked Questions

What is Blue Cross Blue Shield Insurance?

Blue Cross Blue Shield (BCBS) is a federation of independent health insurance companies in the United States. It offers health insurance coverage to individuals, families, and businesses across the country. BCBS companies operate independently in each state but work together to form a nationwide network.

What types of insurance plans does Blue Cross Blue Shield offer?

Blue Cross Blue Shield offers a variety of insurance plans.  Top five on the list include:

  • Individual and family health insurance
  • Medicare plans
  • Medicaid plans
  • employer-sponsored plans
  • Supplemental insurance coverage

They have a range of options to suit different needs and budgets.

How can I find out if my healthcare provider is in the Blue Cross Blue Shield network?

You can visit the Blue Cross Blue Shield website or contact their customer service to access their provider directory or search tool. This allows you to check if your current healthcare provider is in-network or to find a new provider within the BCBS network.

Can I purchase Blue Cross Blue Shield insurance if I have pre-existing conditions?

Yes, under the Affordable Care Act (ACA), insurance providers like Blue Cross Blue Shield cannot deny coverage or charge higher premiums based on pre-existing conditions. However, specific coverage details may vary, so it’s essential to review the policy terms and conditions before purchasing.

How do I file a claim with Blue Cross Blue Shield Insurance?

To file a claim with Blue Cross Blue Shield, you typically need to complete a claim form provided by your BCBS company. You’ll need to include relevant medical bills, receipts, and any other necessary documentation. It’s recommended to follow the instructions provided by BCBS and submit the claim within the specified timeframe.

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Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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