Best Health Insurance In California Reviews - Blue Cross Blue Shield (BCBS) companies are part of the Blue Cross Blue Shield Association (BCBSA), an alliance of separate health insurance companies that cover members in every state. Policyholders can use their Blue Cross Blue Shield card almost anywhere in the United States, depending on provider participation and plan benefits.
Each private Blue Cross Blue Shield insurer is locally owned and operates independently. Individual BCBS companies sell and provide health insurance related to their "home" states or regions. As a result, customers evaluate and report interactions with their home BCBS program, rather than the relationship as a whole. While some customers reported concerns about payments and services, the companies we reviewed received overall positive reviews from Better Business and other reporting organizations.
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Blue Cross Insurance Blue Shield offers a variety of coverages, including dental, vision, short-term medical, and personal health. Specifically, BCBS offers the Affordable Care Act (ACA) primary health plans to new enrollees in all but three states: Mississippi, Nebraska, and South Dakota. Existing members can continue their current coverage in these three states.
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Some BCBS companies operate in multiple states. For example, a BCBS entity named CareFirst includes Maryland, Virginia, and the District of Columbia. Other BCBS businesses, such as Horizon Blue Cross and Blue Shield of New Jersey, operate in a single state.
Below is a list of BCBS entities in each state. In some cases, multiple BCBS companies operate in a single state. For example, depending on where you live in California, Blue Shield of California or Anthem Blue Cross will cover you.
Below are the Bronze, Silver, and Gold rates of the Blue Cross and Blue Shield of Illinois plan and one offered by Blue Cross Blue Shield of Michigan. In both cases, the cost estimate is based on a 40-year-old person. It's important to note that some of these plans may not be available in all areas of these states, so it's important that you visit your own health insurance center to see what these plans are. What programs are available.
In a report on ACA's Michigan plans, we found that Michigan's BCBS was one of the few companies offering the cheapest Silver health plan in 84% of Michigan counties.
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To stay focused, we've limited our review of competitor insurance products to a single state. The chart below compares individual prices for the Blue Cross Blue Shield of Michigan Silver health plan with similar Silver HMOs offered by Priority Health and the McLaren Health Plan community.
Deductions for sample plans range from as low as $2,400 for the Preferred Health Plan to as high as $3,700 for the McLaren Public Health Plan. The maximum spend can be comparable between the three options, from $8,150 for McLaren to $8,550 for Priority Health.
Deductibles, coinsurance, and fees are assessed differently between plans. For example, only Michigan's BCBS applies prescription costs to the annual deductible, which means prescriptions are not covered until the deductible is met.
Plans also vary in how they handle emergency room (ER) services. Michigan's BCBS and Priority Health both rate a $250 copay per visit after the annual deductible is met, plus 30% coinsurance. McLaren charges 20% coinsurance once the $3,700 deductible is met, but there is no ER copay.
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In the event that you receive $5,000 worth of ER services before any part of the deductible is met, your combined out-of-pocket costs will be the full deductible, copay (if a charges) and coinsurance for the remaining amount. The cost calculation for each program is shown below.
In this case, Priority Health has the lowest out-of-pocket costs. Health Priority also has the cheapest premiums compared to the other two options. As mentioned before, BCBS prices may be higher than those of competitors in some regions. If price is a major factor, a BCBS health plan may not be the best choice depending on where you live. The BCBS provider network and the company's location may be features to consider, but they can cost a bit more.
As part of the BCBS Consortium, many BCBS programs provide access to additional health-related resources, such as those listed here. It's important to remember that this is not a health insurance benefit.
BCBS is an established health insurance company with extensive coverage and extensive provider network. BCBS insurance plans include a variety of coverage options at rates comparable to - or sometimes higher than - rates from other companies. Overall, BCBS has received positive reviews from reporting bodies such as the Bureau of Better Business and the National Association of Insurance Commissioners (NAIC).
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BCBS companies are separate entities, but often have similar names. As a result, customers have reported challenges in finding the right part to meet their service needs.
Customers have raised concerns with both Illinois BCBS and Michigan BCBS regarding claims and services, including issues with timeouts, lack of tracking information, and inaccuracies. However, when calculating the rating, Better Sales takes into account the number of complaints and how they are handled in a timely manner, along with the size of the company relative to the total number of complaints and the length of time it has been in business. With all the factors combined, the Better Business Bureau ranked Illinois' BCBS and Michigan's BCBS as A- and A+, respectively.
In the health subcategory, the NAIC's total claims against both Illinois BCBS and Michigan BCBS are below average for company size. Illinois' BCBS received an average NAIC of 0.00, meaning that the Illinois division of insurance had no reported claims for the 2020 review period. For Michigan's BCBS, the NAIC reported only the average number of claims is 0.38 for 2020.
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