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BCBS: BlueCross BlueShield

Health insurance helps you control your medical costs by giving you access to negotiated rates and cost sharing in your out-of-pocket expenses. It is important to choose a reliable insurance company.

BlueCross BlueShield is a well-known and well-known insurance company. With BlueCross BlueShield, customers have access to excellent member resources. Customers can also purchase dental and vision coverage.

See BlueCross BlueShield reviews

BlueCross BlueShield is also the parent company of other health insurance companies that provide BlueCross BlueShield insurance in certain regions and states. BlueCross companies include BlueShield Anthem, CareFirst, Regence, Wellmark, Highmark, Capital, Empire, Independence, Horizon and Premera.

It oversees 36 different insurance companies, all of which operate locally. As a national company in the health insurance market, BlueCross BlueShield has helped millions of people with health insurance plans since its founding in 1929.

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The good one
Positive customer reviews
Choose a health plan
Member Resources
large provider network
Blue365 Rewards Program
Helpful website and customer service
Availability and Acceptance

Positive customer reviews

BlueCross BlueSheild has earned many positive reviews and ratings from Best Company customers. These reviews indicate satisfaction with claims, coverage and customer service.

Claims and coverage issues are common in the health insurance industry, so it's a good sign that positive BlueCross BlueSheild reviews highlight satisfaction with these matters.

Customer Review: Nathan from Broomfield, Colorado

“I have always been impressed with the quality and quantity of coverage I have received from Blue Cross Blue Shield. They have helped me get through some really tough times and pay for my meds!

Choose a health plan

BlueCross BlueShield insurance plans are available nationwide and widely accepted in hospitals and doctor's offices.

Coverage options range in many types—from a Preferred Provider Organization (PPO) to a Health Maintenance Organization (HMO). These types of plans refer to the type of provider network available with the health plan. PPO plans generally offer coverage to see out-of-network providers, although coverage levels are not as high as in-network providers. HMO plans offer out-of-network coverage only in emergencies.

BlueCross BlueShield also offers plans with Health Savings Accounts (HSAs), Health Repayment Accounts (HRAs) and Flexible Spending Accounts (FSAs). BlueCross BlueShield also offers indemnity, point of service (POS) and short-term health plan options.

Coverage and details for each medical document vary. Costs depend in part on your medical condition (including age, number of insured group, medical condition, etc.) and your location. When you initially search for a health plan to understand the benefits and costs of monthly payments, expect to put in your location and some personal information, as these BlueCross points will help BlueShield make a list of potential plans for you.

BlueCross BlueShield also offers Medicare and Medicaid plans. Its Medicare plans include Medicare Supplement (Medigap), Part D (prescription drug plans), and Medicare Advantage plans.

Medicare Advantage covers the same Medicare as Original Medicare (Medicare Part B and Part A) in one health plan. Most also include coverage for eligible prescription drugs, meaning you don't have to buy additional medical policies. Check your plan's formulary to understand which prescription drugs it covers. Medicare Advantage plans are also called Medicare Part C.

Medigap plans can be purchased to help pay original Medicare out-of-pocket costs (co-payments and co-payments). To qualify for Medicare benefits, individuals generally must be at least 65 years old.

In addition to health coverage options, some BlueCross BlueShield plan offerings include dental and vision insurance plans. Dental plans and vision plans can also vary by location, so it's important to work with your local affiliate to get specific information. Those looking for vision or dental coverage can find good policies through BlueCross BlueShield.

As you evaluate your health insurance options, consider your health needs and budget. The amount you pay for a health care plan is not limited to monthly premiums.