Blue Cross Blue Shield Auto Insurance Review (2024)

What You Should Know About Blue Cross Blue Shield

The provider’s name stems from the fact that Blue Cross and Blue Shield began as separate insurance companies. Blue Cross was founded in 1929 and forged in a partnership with Baylor University hospital administrators to help patients pay medical bills in California.

It wouldn’t be until a decade later that Blue Shield would be founded with some of the very same principles in mind. Blue Shield began by selling policies to employers in lumber and mining camps of the Pacific Northwest in order to provide necessary medical care to workers.

Throughout the 1930s and 1940s, Blue Cross and Blue Shield expanded operations across the U.S. In 1966, when Medicare was signed into law, Blue Cross and Blue Shield processed nearly five million claims from Medicare patients in a single year.

The Blue Cross Association and National Association of Blue Shield Plans finally merged in 1982 to form the Blue Cross and Blue Shield Association.

Through economic hardship and various healthcare-related obstacles, Blue Cross Blue Shield has persevered, constantly expanding its member services to include individual, government, and Medicare plans.

Today, one in three Americans (making up 106 million policyholders) turn to Blue Cross Blue Shield for their health and life insurance needs.

The U.S. Census Bureau’s 2018 report on health insurance coverage in the U.S. shows that close to 70% of the population is covered by private insurance and over 30 percent are covered by public, and Blue Cross Blue Shield has a hand in both the public and private sectors.

Blue Cross Blue Shield’s Federal Employee Health Benefits Program is the largest privately underwritten health insurance contractor in the world, insuring 5.3 million federal government employees, dependents, and retirees.

These figures don’t even account for the number of policyholders Blue Cross Blue Shield covers through Medicaid and Medicare, at 52 million and 42 million respectively.

Where is Blue Cross Blue Shield located?

Many of Blue Cross Blue Shield’s operations are run through local affiliates but the main organization does have two headquarter sites in Illinois and Washington D.C.

Blue Cross Blue Shield Illinois corporate office is located at:

225 North Michigan Ave.
Chicago, IL 60601

Blue Cross Blue Shield D.C. corporate office is located at:

1310 G Street, NW
Washington, DC 20005

Anthem Blue Cross Blue Shield, the largest for-profit affiliate of Blue Cross Blue Shield insurance company, has approximately 40 million members and is ranked 33rd on the Fortune 500. Its primary location is headquartered at 120 Monument Circle, Indianapolis, IN, 46204.

The company also has larger operations in both Texas and Michigan. Blue Cross Blue Shield Texas, serving 5 million members in all 254 counties, is headquartered at 1001 E. Lookout Drive in Richardson, Texas.

Blue Cross Blue Shield Michigan, serving 4.5 million people and the only health plan to offer coverage in all 83 Michigan counties, has its main offices at 600 East Lafayette Boulevard in downtown Detroit, Michigan.

Check out the ZIP code search option on the company website to find the Blue Cross Blue Shield address closest to your neighborhood.

Does Blue Cross Blue Shield have agents?

Blue Cross Blue Shield does have agents. You should contact local affiliates to find out more information about agent services and Blue Cross Blue Shield insurance rates for your area.

Interested parties can either call the Blue Cross Blue Shield customer service line for more information at 1-888-630-2583, or they can email or live chat with representatives online through the company website.

The representatives may not answer without bias when asked if Aetna is better than Blue Cross Blue Shield, but they should provide you with the necessary information to make an informed decision when picking your healthcare plan.

However, if the Blue Cross Blue Shield insurance reviews on Yelp provides online are any indication, calling Blue Cross Blue Shield insurance phone number for the customer service representative branch may not be the best.

Anthem, the largest affiliate, has the highest star rating which is not even a full 2 out of 5.

For existing members with questions about enrollment such as Blue Cross Blue Shield auto-renewing your health insurance when you didn’t want it, we would suggest contacting your local agent directly.

How do I file a claim with Blue Cross Blue Shield?

Although sometimes your health and medical claims will involve automobile accidents, Blue Cross Blue Shield does not offer much info on how insurance claims for auto accidents work with its health insurance policies.

In these cases, you will have to consult with both your auto insurance and health insurance providers to determine the correct claims process.

There may be an increase in health insurance providers paying for automobile accident injuries considering that the Insurance Information Institute (III) reported in 2015 that 13 percent of all motorists (that’s about one in eight drivers) were uninsured.

But once again, these types of claims would be decided on by your individual insurance company and dependent on the particular facts of each case.

If it’s a health or life insurance-related claim, Blue Cross Blue Shield directs its policyholders to visit their local Blue Cross Blue Shield company’s website in order to begin the claims process.

After setting up a Blue Cross Blue Shield sign in name and password, members can quickly access their account and begin the claims process.

The online claims system allows policyholders to ask any questions, alter coverages, find estimates on the cost of medical procedures, and check on the status of Blue Cross Blue Shield Insurance claims.

The BCBS login claims portal also gives policyholders options to file claims, check a claim’s status, and to appeal any denied claims.

Since not everyone has access to the internet, Blue Cross Blue Shield still offers both call-in and write-in options for claims processing. Once again, check your local listings or contact your agent to file a claim this way.

The company does warn that these methods, although still effective, will be more time consuming than any online initiated claims. The fastest way to receive payments would still be to access your account anywhere through the Blue Cross Blue Shield login portal.

Blue Cross Blue Shield Insurance Ratings

As far as financial standing, Blue Cross Blue Shield has received top marks from multiple credit rating agencies.

A.M. Best, the number one credit rating agency in the insurance industry, grants Blue Cross Blue Shield an A rating. This means the company is viewed as a viable and stable investment capable of paying out claims today and in the near future.

As far as customer service and quality product delivery, the ratings vary by region since each Blue Cross Blue Shield operates individually by location.

The Blue Cross Blue Shield NC reviews at 5901 Chapel Hill Rd shows a much different trend with a BBB A+ rating for customer service standards.

The Blue Cross Blue Shield reviews BBB provides are based on local consumer complaints and service standards, but this type of average rating seems on par with most affiliates.

It does signify some room for improvement, but it would be wise to check your specific Blue Cross Blue Shield for more accurate BBB ratings. On the flip side, the Blue Cross Blue Shield federal reviews released by the BBB are ultimately scathing with a solid F rating.

J.D. Power awarded Blue Cross Blue Shield 733 points out of 1,000 for customer satisfaction in its headquartered region of Illinois where it is the top insurance provider. In 2019, J.D. Power awarded Blue Cross Blue Shield of Michigan the Power Award for customer satisfaction.

Fitch, a top credit rating agency, attests for the largest Blue Cross Blue Shield provider Anthem giving the company an A rating stating that financially the company has a stable outlook.

Here’s a brief summary of these ratings.

The product itself seems to be on par save for the Medicare supplemental coverage. According to the Blue Cross Blue Shield supplemental insurance reviews from Medicare patients, the Blue Cross Blue Shield insurance plans leave members wanting for more healthcare options.

Blue Cross Blue Shield Insurance Coverage Options

Does Blue Cross Blue Shield have auto insurance? Unfortunately, Blue Cross auto insurance does not exist.

If a Blue Cross Blue Shield insurance card does not guarantee auto insurance,  what is the Blue Cross Blue Shield insurance type?

About Blue Cross Blue Shield

The provider’s primary focus is on medical and health care insurance. It does not look like Blue Cross Blue Shield providers will venture into the auto insurance industry anytime soon, either.

Policyholders can stay on the lookout for possible automotive insurance companies partnering with Blue Cross Blue Shield to offer discounts, but it’s unlikely that you’ll be able to find any bundling discounts when it comes to your auto insurance needs at this time.

We suggest that if you’re looking at or have already purchased a policy from Blue Cross Blue Shield for health and life insurance, then you should look toward another insurance company for cheap auto insurance plans.

To give you an idea of what you may pay, here’s a look at average U.S. auto insurance rates:

Some of the old familiars like State Farm or even Geico offer some competitive rates, but don’t be afraid to take a look at some of the best new auto insurance companies to find competitive pricing.