Blue Cross Blue Shield Insurance Review & Complaints: Health Insurance

Blue Cross Blue Shield insurance plans vary by state, and Blue Cross Blue Shield reviews range from below average to best depending on the state. They offer both personal and business insurance plans, with a range of policy options. Blue Cross Blue Shield ratings range from A with A.M. Best to F with the Better Business Bureau. Comparing rates and reading reviews can help lead you to a health insurance plan you can afford from a company you can trust.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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Blue Cross Blue Shield

Financial Strength

The organization itself is a not-for-profit outfit that has come together from a collection of previous non-profit healthcare federations, including the original Blue Cross, and the original Blue Shield. The history of the organization dates back to 1929 when the original Blue Cross was established.

Since the organization is a network of health insurance companies rather than one large business, consumers may find different levels of care and customer service depending on what underlying insurance company they are working with.

This generally isn’t an issue, as long as you’re careful with what company you give access to your personal information when you’re buying health insurance. You can also typically find benefits working with an entire network, as the choices for a health plan and coverage options increase.

This review will cover Blue Cross Blue Shield as a whole network, where possible, based on consumer data readily available.

If you need to compare insurance companies, we offer a free online comparison tool that can help you.

What types of insurance products are offered?

Blue Cross Blue Shield offers health insurance products for individuals, families, and businesses through their network. As one of the largest health care provider networks in the United States, Blue Cross Blue Shield’s health insurance plan product offerings reflect the large scale at which they operate. Some of their most popular health insurance plans include:

  • Individual health insurance
  • High-deductible health insurance
  • Health savings accounts
  • Dental insurance
  • Small business health insurance
  • Corporate health insurance

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Are there any Blue Cross Blue Shield consumer complaints?

Since Blue Cross Blue Shield operates independently throughout the United States, there are dozens of Better Business Bureau entries for the company, most by state. Since they are headquartered in Chicago, Illinois, this review will use the Illinois BBB rating.

Blue Cross Blue Shield is not accredited with the Better Business Bureau and currently has an A- rating. The first complaint was filed with the BBB in 1941 for Blue Cross Blue Shield. In the previous three years, there have been 101 complaints lodged against Blue Cross Blue Shield, 46 of which have been closed in the past 12 months.

The number one complaint according to the BBB website surrounds problems with billing and collection,  with the health insurance products and services in a close second. In recent years, Blue Cross Blue Shield has been better about responding to customer service complaints on BBB. That has caused their BBB rating to increase from an F. The BBB states the rating given to Blue Cross Blue Shield is because the company has failed to respond to 2 complaints filed against them.

Blue Cross Blue Shield has 37 reviews on BBB. The average score of the reviews is 1.16 out of 5 stars. All of the reviews are complaints, most of which Blue Cross Blue Shield customer service representatives have responded to try to resolve.

How are the Blue Cross Blue Shield consumer research reports?

According to J.D. Power’s 2017 US Member Health Plan Study, Blue Cross Blue Shield scored just above average when factoring together the three largest population centers. California and Texas came in the lowest with an overall rating of 2 out of 5 and New York received a 3 out of 5.

What is the company’s financial rating?

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch A- Stable
S&P A+ Stable

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What’s the bottom line?

Blue Cross Blue Shield is a very large organization that operates in some capacity within every state in the United States. They offer individual, family, and business plans to fit just about every need available. The underlying organization is not-for-profit, which at least in theory is a good thing. Since the organization is broken up into smaller groups that are state-specific, care can range wildly depending on what state you are in. The ratings range from below average to best depending on what state is being examined.

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