Blue Cross Blue Shield Association is a federation of 36 separate United States health insurance organizations and companies, providing health insurance in the United States to more than 106 million people.
Blue Cross Blue Shield Association (bcbs.com) has 164 customer reviews on Five Star Index, with an average rating of 1.2 out of 5.
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Anthony B.
I have a service that is a required treatment that accepts blue cross blue shield, but this provider does not offer coverage for this service. Absolutely despicable service. If you have any alternative option, I would go with them. They are terrible provider. You’re better off paying out of pocket.
Lee D.
I am retired and my pay check is fixed except for a cost of living raise we usually get every year that turns out to be about $35 maybe $40. Every year we get a raise blue cross blue shield goes up on their premiums and every time it is more than my raise so really I am getting a pay cut. Blue cross is making plenty of money but it seems to be never enough for them. I wish they would quit be so damn greedy.
Customer
FEP Blue Shield Dental - I have $19,000 in outstanding claims from an in-network dentist beginning April through May 2025. BS insists I have other coverage that is primary which is not true. I have to "prove it". How can you prove something contrary to what's in their systems? I personally pay for my BS Dental premium, have received nothing but headaches, and hours, days, weeks on the phone with them. But no more. I'm going with another Dental plan in 2026 that is not BS. Ironically, my dentist is dumping them too.
Robert D.
My wife bought supplemental insurance from BCBS to supplement Medicare. In Feb. of 2024 she passed away. Around March 10, 2024, I received a letter from BCBS stating that they had deducted March’s premium from my wife’s account after she passed away, so they were working to refund the money. In April of 2024, I received two checks totaling a little over $300 as a reimbursement for those premiums, but they were made out to her estate account, which did not exist. My bank refused to cash the checks unless I opened an estate account, which I chose not to do. I sent the two checks back to BCBS with a letter explaining they were not acceptable, and that they had two options. They could reverse the transaction and replace the money from the account from which it was removed. If this was not acceptable, they could reissue the checks naming me, her late husband, as the payee. This was done at the end of April in 2024. I did not hear from BCBS again until April of 2025 when I filed a complaint with the BBB. After filing the complaint, I received a call from a secretary at BCBS who stated that they cannot make the refund because I did not provide them with the necessary documentation that they require to refund the money. I informed the secretary that I would not provide them with additional information because they had all the info they needed to refund the money, and that I do not negotiate with thieves, after which I hung up. I received a letter about a week later from the BBB stating that I had hung up on their representative and that they could not release any information regarding this problem because of sensitive health information. There is no sensitive health information because my wife is deceased. It’s now been over 19 months since they accidentally removed the funds, and they are refusing to reimburse me. This is starting to look more like less of an accident and more like a purposeful act to defraud me of a crummy $300 refund. If anyone is looking for supplemental insurance, I would strongly suggest they look elsewhere than BCBS of Illinois because of my poor experience with them.
Santosh N.
Horrible customer service from insurance agent, just told me to call the 1-800 number and when I was asking him what the full number was he cut the call while I was speaking. Was very rude and seemed like he did not want to be on the phone. The company needs to hire better insurance agents.
Cynthia O.
* BLUE CROSS & BLUE SHIELD {ANTHEM} HAS A 1.3 APPROVAL RATING & I CAN SEE WHY CONSTANT DENIALS OR STALL TACTICS OR STRATEGY ON CLAIMS VERY RUDE CUSTOMER SERVICE {THE GATE KEEPERS} GIVING OUT FALSE INFORMATION SENT FROM ONE OPERATOR TO ANOTHER, POSSIBLY UP TO 6 OR MORE FOR THE SAME ISSUE . NEVER A CALL BACK NEVER SEND OUT INFORMATION LIKE APPROVAL OR DENIAL LETTERS ETC. END OF YEAR INCREASE IN DENIALS INCREASE IN ILLEGAL IMMIGRANTS ON OUR SYSTEM BOGGING-DOWN UNITED STATES CITIZENS CLAIMS OVERALL BLUE CROSS & BLUE SHIELD {ANTHEM} IS BY FAR THE WORST IN THE CRAPPER INSURANCE COMPANY THAT OUR ST. LOUIS MISSOURI LABORS UNION LOCAL # 110 CONSTRUCTION UNION HAS EVER HELD FOR THEIR MEMBERS COST PER MONTH PREMIUMS AVERAGE AT $1000 ADDING A LARGE DEDUCTIBLES TAKEN OUT OF MEMBERS PENSIONS & MOST OF ALL, I HOPE THE GOVERNMENT CAN CANCEL OUT WASTE ,FRAUD & ABUSE IN OUR INSURANCE SYSTEM WHILE THE FEEL OF SOCIALISM IS IN THE AIR, IT WILL FAIL AS PEOPLE THAT DON’T WANT TO WORK GET SUBSIDIES & PEOPLE THAT WORK ARE GETTING VERY TIRED OF WORKING TO PAY FOR OTHERS ON OUR SYSTEM THAT CAN’T OR WON’T WORK BOGGIG-DOWN OUR SYSTEM……….
NA
We have no choice because husband's work offers this "affordable" option. Its not affordable, and they cover almost nothing anyway. Hit and miss whether they will accept something is "medically necessary" only after completed. This all feels very illegal, and 100% wrong for sure. Someone should be thoroughly ashamed. Im certain anyone they care about would be.
Aaron S.
Stayed on hold for over 2hrs for a 5min question. Terrible service once I got through them. Blame it on open enrollment in November? Give me a break. Somehow it's my fault they can't be useful
