Blue Cross Blue Shield Insurance Review (2023)

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 is 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.

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How much is Blue Cross Blue Shield insurance?

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.

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.

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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 Review (2023) Additional Information

Blue Cross Blue Shield Insurance Review [2022] is a company that was incorporated in . Blue Cross Blue Shield Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of Blue Cross Blue Shield Insurance Review [2022] is , the treasurer is , and the secretary is . Blue Cross Blue Shield Insurance Review [2022] insurance plans include
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Blue Cross Blue Shield Insurance Review [2022] is located in , and the phone number for Blue Cross Blue Shield Insurance Review [2022] claims, customer, service, and additional information is .