Blue Cross Blue Shield Review - Individual Health Insurance Plans & Pricing

History of Blue Cross Blue Shield

When you hear health insurance, you probably think Blue Cross Blue Shield, and rightfully so. This health insurance king was the product of a merger between two organizations.

Blue Cross was originally founded by Justin Ford Kimball in 1929 in Dallas, Texas. The original purpose was to provide teachers with 21 days of hospital care for just $6/year. After initial success, the plan was extended to other groups in the state, and eventually, extended to groups throughout the US.

Blue Shield was originally founded in the Northwest by lumber and mining employers. However, it wasn’t until 1939 in California that the first official Blue Shield plan was created.

The two plans began to really garner attention when the federal government chose both for the national Medicare Program. In 1982, the two health insurance giants merged to create the Blue Cross and Blue Shield Association (BCBSA).

Today, Blue Cross Blue Shield is a huge federation of 36 organizations and companies overseen by President and CEO Scott Serota. It provides health insurance to over 100 million Americans alone and comfortably sits on America’s Fortune 100 list.

Blue Cross Blue Shield Plans and Prices

If you look at the pricing of Blue Cross Blue Shield plans below, you will notice a wide range. Blue Cross Blue Shield will have plans available for everyone, regardless of age and medical history. Keep in mind these prices are not exact and will vary depending on where you live among other factors, and there are also discount programs available to those who qualify.

Your best bet is to compare Blue Cross Blue Shield rates in your area with First Quote Health for a more exact estimate.

Age Range Pricing

35+ year olds

$200 - $400

45+ year olds

$250 - $470

55+ year olds

$390 - $800

Blue Cross Blue Shield is a major player in the health insurance marketplace. Through the marketplace, you can enroll in a Blue Cross Blue Shield plan regardless of what state you’re in. The best part, they have options.

Like every health insurance company that offers plans for the exchange. Below is a breakdown of the different types of health insurance plans you can choose from. The type of plan has no impact on the quality of healthcare you will receive but will impact what you will be paying in premiums and for out-of-pocket costs.

If you are a person with an extensive medical history, you may want to opt for the Blue Cross Blue Shield Gold or Platinum plan. If you are young, healthy, and looking to save a couple bucks, you should go with the Blue Cross Blue Shield Bronze or Silver plan.

 Blue Cross Blue Shield Marketplace Plans

Plan Type Percent of Essential Benefit Covered Monthly Premium
Blue Cross Blue Shield Bronze Plan 60% Low cost - Low quality
Blue Cross Blue Shield Silver Plan 70% Average premiums - Average out-of-pocket costs
Blue Cross Blue Shield Gold Plan 80% High premiums - Low out-of-pocket
Blue Cross Blue Shield Platinum 90% Highest premium - Lowest out-of-pocket costs

Blue Cross Blue Shield Dental

Blue Cross Blue Shield dental plans are also available with or without your individual health insurance plan. You can visit their company site and opt to add Blue Cross Blue Shield dental to your health insurance plan. Feel free to talk to an agent to help you with the process as well.

Blue Cross Blue Shield PPO

Blue Cross Blue Shield PPO plans give you flexibility. These plans give you the freedom of choice when it comes to choosing doctors, hospitals, and any other healthcare professionals. Another benefit of a PPO plan is that you don’t need to use a primary care physician to get a referral to a specialist, and can get seen by both in and out-of-network providers. The drawback of a Blue Cross Blue Shield PPO plan is that you will have to shell out a bit more each month.

Anthem Blue Cross Blue Shield

If you live anywhere but California, Anthem Blue Cross Blue Shield actually formed an association with BCBS and works together. You can enroll in an Anthem plan just as easily as a regular Blue Cross Blue Shield plan.

Anthem is a company under within the federation of Blue Cross Blue Shield unless you’re in California. In California, the two companies are actually competitors. The difference, Anthem is a for-profit company, while Blue Cross Blue Shield is a not-for-profit company. However, both offer great coverage, and Anthem Blue Cross Blue Shield is listed as the second largest health insurance company in the US.

Anthem Blue Cross Blue Shield offers Medicare plans, employer coverage, individual and family health insurance plans, and more! Speak to an agent today to figure out if an Anthem Blue Cross Blue Shield plan is right for you.

Free Insurance Quote Tool

Try using our free tool to compare rates from multiple top rated companies like Blue Cross Blue Shield, Humana, and Cigna.

Blue Cross Blue Shield Reviews

If you are looking for options, Blue Cross Blue Shield has it all. If you are looking affordable health coverage, BCBS has you covered as well. One of the many benefits of being a major player in the health insurance world for so long, and operating as a federation of countless health insurance organizations and companies is that you have variety.

Even though Blue Cross Blue Shield has great reviews from its members, there is still a drawback that you may want to take into consideration.

Since Blue Cross Blue Shield is not a single company, but rather a federation made up of local and independent companies, your plan and accessibility to care may fall short in certain areas.

Blue Cross Blue Shield Fun Fact

BCBS covers over 17m unionized workers, retirees, and their families making them the #1 choice for organized labor.