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BCBS of Michigan Health Insurance Ratings

Customer Satisfaction Ratings (based on 103 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

out of 100
May 29, 2019
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Reasons for Buying from BCBS of Michigan

Customers of BCBS of Michigan originally decided to purchase from the company for these reasons:
It's a health plan my employer offers32%
Offered best price20%
Saw TV commercial13%
Saw online ad12%
Recommended by friend or family member8%
Was the company my parents had5%
I have/had other insurance with this company2%
The company website and mobile apps are easy to use and helpful0%

How likely are you to recommend this company to a friend, coworker or family member?

I probably would recommend this company. 42%
I would definitely recommend this company. 41%
Neutral 15%
I probably would not recommend this company. 2%
I would not recommend this company. 1%

Would you renew?

Yes 97%
No 3%

What was most important when choosing your current health plan

Preferred providers available 25%
Low premiums 22%
Low deductibles 18%
Breadth of services 18%
I didn?t have a choice 12%
Not needing a referral (such as a PPO) 4%
Other 0%

Website and Apps

How easy to use and how helpful they are
46%Good - Fulfills my needs
39%Excellent - Gives me what I need and more
9%Just okay - Fulfills some but not all of my needs
7%Never visited/used website or mobile app
0%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

27%Interactive website
25%In person
5%Smartphone app
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About BCBS Of Michigan

Best Health Insurance Companies: How BCBS of Michigan Stacks Up

Michigan’s Blue Care Network provided a solid showing in this year’s Best Health Insurance Company survey getting an overall score of 85.43. It earned an impressive score of 90 and 4.5 stars for claims. The Blue Care Network had the most policyholders among those surveyed on health companies, 97%, saying they would renew with BCBS of Michigan.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Allstate's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For health insurance, BCBS of Michigan (NAIC# 54291) had a complaint ratio of 0.26 for individual health insurance and 2.02 for group health insurance for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Extraordinary time for health care

Blue Cross Blue Shield came out of the 1920s during a time when medical care was improving. With better care came more demand, as people started visiting hospitals more often. In 1938, the insurer came to Michigan, and by 1940, the group had more than 175,000.

Fast forward to 2014 where BCBS of Michigan became a nonprofit mutual company, meaning the assets must be used for nonprofit activity serving the members instead of assets being distributed to its members. Currently, the company provides PPO, HMO and health-saving accounts and serves 4.6 million members in Michigan.

Contact information

Corporate Headquarters

600 East Lafayette Boulevard

Detroit, MI 48226

Member services: (855)-237-3501 

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