BCBS of Michigan Health Insurance Ratings
Product
Health
Overall
81.34
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | WHAT IS THIS RATING? 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. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
A
Other Companies to Consider:
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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 offers | 48% |
| Reputation | 11% |
| Saw TV commercial | 9% |
| Offered best price | 8% |
| Was the company my parents had | 8% |
| Recommended by friend or family member | 6% |
| The company website and mobile apps are easy to use and helpful | 4% |
| I have/had other insurance with this company | 3% |
| Saw online ad | 2% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
Website and Apps
How easy to use and how helpful they are
39%
Satisfied - Fulfills my needs okay
29%
Completely satisfied - Gives me what I want and more
21%
Neutral - No good or bad feelings on this
9%
Never visited or used website or mobile app
1%
Not Satisfied - Is not a good website or app
0%
Very unsatisfied - Their digital offerings are not good at all or nonexistent
How You Prefer to Deal with Insurers
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About BCBS Of Michigan
Best Health Insurance Companies 2020: How BCBS of Michigan Measures Up
Michigan’s Blue Care Network received a respectable 81.34 overall score and ranked 12th in this year’s Best Health Insurance Company survey. Its highest showing was 7th place for ease of use for websites and mobile apps. Ninety-three percent of policyholders surveyed said they would renew with the Blue Care Network, but only 77%, saying they would recommend 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 BCBS of Michigan'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
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"After sales service is good at this company"
-Age 18-36, Michigan
"Always found them to take any kind of responsibility just for our satisfaction"
-Age 18-36, Michigan
"Comprehensive coverage for a fair price"
-Age 18-36, Michigan
"Customer service is fast in helping, they can easily help you on the call and clarify your problem"
-Age 18-36, Michigan
"Easy to access all of your insurance info, claim statuses, COBs, and can even view how much remains on your deductible as well as order replacement cards all online"
-Age 18-36, Michigan
"Good company for healthcare"
-Age 18-36, Michigan
"Good benefits and accepted everywhere"
-Age 18-36, Michigan
"Great user interface"
-Age 18-36, Michigan
"I am on my parents account but I am happy with the amount of copay that I have to pay when I get their services"
-Age 18-36, Michigan
"It works for me"
-Age 18-36, Michigan
"Loyalty plans are good"
-Age 18-36, Michigan
"My company is good and certain"
-Age 18-36, Michigan
"Offered me good insurance coverage package"
-Age 18-36, Michigan
"Reliable people to deal with"
-Age 18-36, Michigan
"Staff of this company is very good and guides the customer in a good way"
-Age 18-36, Michigan
"They are a great company that care about you personally"
-Age 18-36, Michigan
"The coverage and customer service is good."
-Age 18-36, Michigan
"They are amazing."
-Age 18-36, Michigan
"They are available and the process is simple to file a claim. They have been patient enough to work with me on all aspects of my plan"
-Age 18-36, Michigan
"They are available everywhere"
-Age 18-36, Michigan
"They are friendly and always there when you need someone"
-Age 18-36, Michigan
"They do a fine job and I have not had any issues getting things paid for."
-Age 18-36, Michigan
"They gave fast response and friendly workers"
-Age 18-36, Michigan
"They have good rates and it is easy to use"
-Age 18-36, Michigan
"Very easy to navigate app"
-Age 18-36, Michigan
"Very kind and helpful"
-Age 18-36, Michigan
"Account manager and sales head are both very helpful and nice"
-Age 37-52, Michigan
"Everything is good, people are very kind"
-Age 37-52, Michigan
"Always reliable service!"
-Age 37-52, Michigan
"Ask your queries and will get your queries answered without leaving any doubts in mind"
-Age 37-52, Michigan
"Customer service is great."
-Age 37-52, Michigan
"Easy to enroll and file documents"
-Age 37-52, Michigan
"Easy to reach, don't have to waste time"
-Age 37-52, Michigan
"Ease of Use"
-Age 37-52, Michigan
"Effective plans for the users"
-Age 37-52, Michigan
"Excellent coverage"
-Age 37-52, Michigan
"Good selection of providers"
-Age 37-52, Michigan
"Helped my family in settling two of our very important claims"
-Age 37-52, Michigan
"I have pretty good coverage. The premiums are low."
-Age 37-52, Michigan
"I think this is one of the better insurance companies. It is excepted pretty much everywhere & they also have policies for a wide range of incomes. I have never had a problem when needed to talk to someone. Personally I believe they are one of the good ones."
-Age 37-52, Michigan
"I trust the company and they do a great job."
-Age 37-52, Michigan
"It is good. I get the service and benefits I need."
-Age 37-52, Michigan
"It is ok in a sea of companies who get worse with every passing year."
-Age 37-52, Michigan
"Overall they are efficient"
-Age 37-52, Michigan
"Rates are very genuine"
-Age 37-52, Michigan
"The agents I have spoken to on the phone have been very helpful and helped me understand my coverage so I wasn't guessing what was and wasn't covered."
-Age 37-52, Michigan
"They are really good"
-Age 37-52, Michigan
"They have been pretty reliable and have good customer service."
-Age 37-52, Michigan
"They have given me excellent policy, covers all my needs"
-Age 37-52, Michigan
"They have great customer service and always address the questions I have, and they follow up to make sure I was taken care of."
-Age 37-52, Michigan
"Very good benefits of the policies that I have taken"
-Age 37-52, Michigan
"We have good coverage for everything we need. It is easy to use in the doctor's office and the premiums and deductibles are reasonable"
-Age 37-52, Michigan
"Their working style is better than rest of the companies"
-Age 37-52, Michigan
"Everything seems good. Never faced any issues"
-Age 53+, Michigan
"Company manages customers health anywhere & anytime. They provides many services under one roof with qualitative comfort."
-Age 53+, Michigan
"Customer representatives are very prompt in answering the queries"
-Age 53+, Michigan
"Doing a fine job as expected"
-Age 53+, Michigan
"Good customer service with reasonable pricing"
-Age 53+, Michigan
"Good policy, just pricey but cheaper than others"
-Age 53+, Michigan
"Good to deal with easy to reach by phone"
-Age 53+, Michigan
"Got really good support and response from them"
-Age 53+, Michigan
"Great coverage"
-Age 53+, Michigan
"I can make an appointment with my preferred doctors easily"
-Age 53+, Michigan
"I get timely response in respectful manner"
-Age 53+, Michigan
"I have only had to contact the insurance company when they denied a claim as it went to the wrong section. Once it went to the correct place, the claim was covered."
-Age 53+, Michigan
"Impressed with their user friendly application"
-Age 53+, Michigan
"Incentives can easily be made and that helps you in future"
-Age 53+, Michigan
"Information about doctors are available, world class comfort, all services in one place"
-Age 53+, Michigan
"Its plan & features are effective, attractive and affordable. There are several health benefits having a different approach of creating, negotiating and making relations with its buyers."
-Age 53+, Michigan
"Notice the transparency in what ever they do"
-Age 53+, Michigan
"Prompt service in claims processing"
-Age 53+, Michigan
"Provides most innovative, imaginative and effective helpful tools and devices to manage the health of its customers."
-Age 53+, Michigan
"Really appreciate their professional decorum"
-Age 53+, Michigan
"Prompt to pay claims"
-Age 53+, Michigan
"They are easy to get along with."
-Age 53+, Michigan
"They organizes various innovative programs relates to health issues."
-Age 53+, Michigan
"Provided the services I needed"
-Age 53+, Michigan
"They provide good coverage."
-Age 53+, Michigan
"Till now very good association with them"
-Age 53+, Michigan
"We haven't had any problems dealing with BC/BS."
-Age 53+, Michigan
"Will rate them with maximum stars on all parameters"
-Age 53+, Michigan
"Willing to help us always"
-Age 53+, Michigan
"Good customer support but sometimes it's a long wait"
-Age 18-36, Michigan
"I am happy with blue care network but they don't cover things they should"
-Age 18-36, Michigan
"I never had to deal with the company directly"
-Age 18-36, Michigan
"I haven't had any significant issues with my insurer."
-Age 18-36, Michigan
"I wish BCBS would give me more cover on medical things I need, I was looking for a weight Los surgery and they only cover 80% of it even though I pay a Gold premium I'm still very upset over that."
-Age 18-36, Michigan
"It meets my needs adequately."
-Age 18-36, Michigan
"Okay experience"
-Age 18-36, Michigan
"The insurance company is fine, it was the reps through my husband's employer who were terrible. Insurance reps lost our information and we had to do the entire process several times, and they did not follow up with us and do their end of the paperwork so we almost missed open enrollment"
-Age 18-36, Michigan
"I don't have a choice it is what I have to take"
-Age 37-52, Michigan
"They are way over priced and don't cover much."
-Age 37-52, Michigan
"For the last 2 years they have raised their prices"
-Age 53+, Michigan
"No issue with this company"
-Age 53+, Michigan
"No Problems"
-Age 53+, Michigan
"Thanks to Obama Care, I have a $6000 deductible and I have to pay out of pocket for everything and it sucks. If you are sick aww that's too bad. You can not afford to go to your doctor or the medication."
-Age 53+, Michigan