UPDATED: Nov 30, 2018
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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 insurance companies rather than one large business, consumers may find different levels of care and customer service depending on what underlying company they are working with. This review will cover Blue Cross Blue Shield as a whole, where possible, based on consumer data readily available.
Blue Cross Blue Shield offers insurance products for individuals, families and businesses. As one of the largest health care provider networks in the United States, their product offerings reflect the large scale at which they operate. Some of their most popular products include:
- Individual Health Insurance
- High-Deductible Health Insurance
- Health Savings Accounts
- Dental Insurance
- Small Business Health Insurance
- Corporate Health Insurance
BCBS 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 F rating. The first complaint was filed with the BBB in 1941. In the previous three years there have been 173 complaints lodged against Blue Cross Blue Shield, 71 of which have been closed in the past 12 months.
The number one complaint according to the BBB website surrounds problems with the products and services, with billing and collection coming in a close second. The BBB states the the poor rating given to Blue Cross Blue Shield is because the company has failed to respond to 15 complaints filed against them. In addition the the lack of response, there have been eight complaints that were not resolved.
BCBS 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.
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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 broke 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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