Health best-health-company-ratings
Overall Rating info icon info icon
4.0 ratings
Claims Processing
4.0 ratings
Customer Service
4.0 ratings
Value for Price
3.5 ratings
Website and Apps
4.0 ratings
% Who Would Recommend to a Friend
% Who Plan to Renew
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021



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.

Reasons for Buying

Customers of BCBS of Michigan originally decided to purchase from the company for these reasons:
  • 47% It's a health plan my employer offers
  • 12% Reputation
  • 10% I have/had other insurance with this company
  • 7% My parent's health company
  • 7% Saw online ad
  • 6% Offered best price
  • 5% Recommended by friend or family member
  • 4% Saw TV commercial
  • 2% The company website and mobile apps are easy to use and helpful
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Customer Complaint Ratio

info icon
( BCBS of Michigan’s customer complaint ratio for Individual Health insurance is 0.39 )
( BCBS of Michigan’s customer complaint ratio for Group Health insurance is 2.06 )
0 1 3 10+
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

Best health insurance companies 2021: Blue Cross Blue Shield of Michigan

Blue Cross Blue Shield of Michigan (BCBSM) is an independent licensee of Blue Cross Blue Shield Association and has its headquarters in downtown Detroit.

Blue Cross Blue Shield of Michigan, a nonprofit organization, currently provides and administers health benefits to more than 4.3 million members residing in Michigan. BCBS of Michigan has the largest network of doctors and hospitals in Michigan, spanning 152 hospitals with more than 33,000 doctors. BCBS of Michigan currently employs more than 8,100 people.

BCBS of Michigan is part of the Blue Cross Blue Shield association, which is a national association of 36 independent, community-based and locally operated Blue Cross Blue Shield companies. The BCBS association provides healthcare coverage to more than 107 million members in all 50 states, Washington, D.C., and Puerto Rico. Nationwide, more than 96 percent of hospitals and 95 percent of doctors and specialists contract with Blue Cross Blue Shield companies which is more than any other insurer.

How BCBS of Michigan stacks up

Blue Cross Blue Shield of Michigan earned a 4 out of 5-star rating in our annual review of Best Health Insurance Companies. They got 3.5 to 4 ratings in claims, price and customer service and 4-star ratings in website & apps.

When we asked BCBS of Michigan customers if they would recommend the company to others, 78% said yes and 95% said they planned to renew their plan.

How likely to recommend?

  • 45%I would definitely recommend this company
  • 33%I would probably recommend this company
  • 18%Neutral
  • 3%I would probably not recommend this company
  • 1%I would not recommend this company

Would you renew?

95% Yes
5% No

Ratings on Website & Apps

  • Fairly satisfied / Fulfills my needs OK 44%
  • Completely satisfied / Outstanding website & apps that give me what I need and more 32%
  • Average website and apps 18%
  • Very unsatisfied / digital offering is severely lacking 3%
  • Unsatisfied / website and/or apps are not fulfilling my needs 1%

How do you prefer to deal with insurer and policy?

  • Phone 54%
  • Interactive website 18%
  • Mobile App 12%
  • In person 10%
  • Email 6%

BCBS of Michigan coverage

  • Traditional plans for families and individuals
  • Health Insurance plans for employers
  • PPO (preferred provider organization) plans
  • HMO (health maintenance organization) plans
  • Medicare plans
  • Medicaid and state plans
  • Wellness-based plans
  • Plans with health spending accounts
  • Dental and vision plans
  • International plans

About BCBS of Michigan

Blue Cross Blue Shield of Michigan got its start in 1938 when the Michigan Society for Group Hospitalization began, as did the Michigan Medical Service. The two companies worked together in 1939 on bills to regulate prepaid health care plans and make them nonprofit, like community-based hospitals at the time.

By 1940, the Michigan Society for Group Hospitalization had over 175,000 customers from 350 employers. In 1940, the Society and the Service changed their names to Michigan Blue Cross and Michigan Blue Shield.

In 1966, Michigan Blue Cross and Michigan Blue Shield began administering Medicare in the state. In 1978, at the request of state officials, BCBS of Michigan purchased a struggling health maintenance organization and by the 1990s, Blue Care Network was:

  • The largest HMO in the state
  • The first HMO in Michigan and the U.S. to earn accreditation from the National Committee for Quality Assurance
  • Recognized as one of America’s top HMOs

Contact information

Corporate Headquarters

600 East Lafayette Boulevard

Detroit, MI 48226

Member services: (855)-237-3501

In which states BCBS of Michigan is available?

States in which BCBS of Michigan is available

Other Companies to Consider: