Blue Cross Blue Shield of Michigan Health Insurance Company

Ratings

Health

Overall Rating

Claims Processing

Customer Service

Value for Price

Website and Apps

% Who Would Recommend to a Friend

% Who Plan to Renew

95%

AM Best Financial Strength Ratings

May 01, 2021

HOW WE WEIGH OUR SCORE

Price35%
Customer service25%
Claims20%
Website and app10%
Renew/Recommend10%

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.

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

Go to BCBS of Michigan site now to get a quote

Customer Complaint Ratio

( 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 )

0.39

0 1 3 10+

2.06

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.

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 is BCBS of Michigan health insurance available?

States in which BCBS of Michigan health insurance available
Michigan

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:

"It has been very helpful and is accepted at many areas even away from my close living area"

-Age 18, Michigan

"I love it"

-Age 19, Michigan

"It is pretty cheap compare to other plans I've had."

-Age 19, Michigan

"Good company you will enjoy it"

-Age 20, Michigan

"This company has helped me through a lot and I wouldn't be here today without them"

-Age 21, Michigan

"The premium is low and the coverage is very good"

-Age 26, Michigan

"It was great with the service I've received. "

-Age 27, Michigan

"I have had a very positive experience using Blue Cross Blue Shield, you don't need a referral for new appointments, insurance covers a lot of doctors in the area and customer service has been helpful overall"

-Age 28, Michigan

"Thru have the best prices and policy options."

-Age 28, Michigan

"Easy to contact and get questions about policy answered."

-Age 31, Michigan

"I have had an amazing experience with BCBS! They are great with billing and fees and most places accept them."

-Age 31, Michigan

"Consistently good and always there to help"

-Age 33, Michigan

"I would tell them to do it. We've never had any issues with them, they cover everything, even specialty doctors. They are very quick with everything."

-Age 33, Michigan

"They have great customer service!"

-Age 33, Michigan

"Very easy to use"

-Age 33, Michigan

"They are good for what they offer"

-Age 34, Michigan

"They are very good"

-Age 35, Michigan

"It's pretty basic and straightforward"

-Age 36, Michigan

"Overall it hasn't been to bad. It is hard to get someone on the phone who understands what you are asking."

-Age 36, Michigan

"They are very reputable"

-Age 39, Michigan

"They are good enough for what I need."

-Age 40, Michigan

"Great plan."

-Age 41, Michigan

"The premiums are really high, deductible is high and its just average insurance. nothing great"

-Age 41, Michigan

"It is good for all."

-Age 42, Michigan

" I don't care about who my health insurer is."

-Age 42, Michigan

"They are very well known and accepted everywhere you go. You will never have a problem with them as long as you pay your bill."

-Age 42, Michigan

"Good pricing and the issues"

-Age 43, Michigan

"Good Insurance"

-Age 44, Michigan

"No problem with anything"

-Age 44, Michigan

"It is decent"

-Age 46, Michigan

"They have good customer service and are ready to help"

-Age 46, Michigan

"It seems to be a good company but I have not needed to use it much"

-Age 47, Michigan

"They are a good company but there is always a lot of red tape to go thru when filing a claim"

-Age 47, Michigan

"I have had no problems using their services"

-Age 48, Michigan

"Look at all the plans they offer and find the best one for your health concerns and choose that way."

-Age 48, Michigan

"Good coverage. However particular agent was not helpful"

-Age 50, Michigan

"They have a wide range of participating doctors and are affordable"

-Age 50, Michigan

"Lots of choices of coverage Above average payments"

-Age 51, Michigan

"Great so far."

-Age 53, Michigan

"They are a good company that has a lot of doctors in network with different types of plans for one's needs."

-Age 53, Michigan

"works well for me"

-Age 53, Michigan

"It's a fairly good company, but they tend to sneak their prices up over time. Also a lot of their policies are quite confusing"

-Age 58, Michigan

"Excellent"

-Age 59, Michigan

"Always there for me and my needs"

-Age 61, Michigan

"Good coverage. Friendly"

-Age 62, Michigan

"I like BCBS, they are reputable & I pay a good premium for it"

-Age 63, Michigan

"Overall, the experience with my insurance company has been pretty average, based on my experience with others I've had throughout the years. The price of the premium is pretty high, compared to others in the past and the deductibles are way too high. Making a claim, however, has been pretty smooth and rather flawless. Most reps at the insurance company are very helpful."

-Age 63, Michigan

"They offer low deductibles and cover a lot of services."

-Age 63, Michigan

"Easy to get claims always paid, great website shows how much deductable left etc"

-Age 64, Michigan

"I have been with them pretty much my whole life and they have any gone me good."

-Age 64, Michigan

"I like the pricing of the monthly premium"

-Age 64, Michigan

"If others are thining of using them I'd say go for it !!!!!!!!!!"

-Age 66, Michigan

"Good coverage, good reputation, doctors work with this insurance,"

-Age 66, Michigan

"Good plan, good network, & great premium"

-Age 66, Michigan

"I always have great customer service. Varied offerings. Good prices"

-Age 66, Michigan

"They offer affordable plans that start at zero dollars. And, they have incentives."

-Age 66, Michigan

"They offer many good options"

-Age 67, Michigan

"It's alright."

-Age 67, Michigan

"Blue Cross has an excellent reputation for service"

-Age 68, Michigan

"Blue cross with Medicare plan f and prescription d total coverage for pre-existing conditions"

-Age 68, Michigan

"I just signed up. But I got the information from my boyfriend. He has been with his company for 15 years."

-Age 68, Michigan

"They are pretty reliable and have a good reputation. They are easy to work with and not too complicated. Overall really good coverage."

-Age 68, Michigan

"I pay no premium"

-Age 69, Michigan

"BCBS Michigan medicare advantage is the best"

-Age 69, Michigan

"They have different plans and offer good coverage."

-Age 69, Michigan

"Good reputable company"

-Age 70, Michigan

"Great insurance and O never had a problem"

-Age 72, Michigan

"Everyone I know has my insurance."

-Age 74, Michigan

"Fairly good coverage."

-Age 74, Michigan

"I've been with Blue Cross/Blue Shield of Michigan for over 50 years and I have never had a problem with them. Whatever Medicare doesn't cover they cover without any question."

-Age 79, Michigan