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BCBS of North Carolina Health Insurance Reviews And Ratings

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bcbs of north carolina
BCBS of North Carolina Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 77%
Who Plan to Renew 90%
AM Best Financial Strength Ratings NR

About Anthem

Member services:1-800-324-4973 for individual or family plans.
1-800-291-6315 for group plans
Corporate headquarters 4615 University Drive
Durham, NC 27707

Blue Cross and Blue Shield of North Carolina also known as Blue Cross NC has been in business since 1933.

George Watts Hill, a prominent businessman, and Dr. W.C. Davison, dean of Duke University School of Medicine, founded the Hospital Care Association in Durham in 1933.

In 2015, Anthem acquired Simply Healthcare Holdings, a Medicaid and Medicare managed care company based in Florida and in 2020 Anthem acquired Beacon Health Options and independently held behavioral health organization.

The new organization, one of the parent organizations of today’s BCBSNC, offered prepaid hospital care to families for as little as 2 cents a day. The nation’s first “Blue Cross baby,” Ann Woodard, was born in December 1933 at Durham’s Watts Hospital to parents enrolled in the new Hospital Care Association.

In 1934, Graham David of the Duke Endowment and Dr. I.H. Manning, former dean of UNC-Chapel Hill’s School of Medicine founded the Hospital Saving Association in Chapel Hill which was a rival hospital prepayment plan and eventually became a parent organization to BCBSNC as well.

In 1938, both the Hospital Saving Association and the Hospital Care Association were approved to use the Blue Cross symbol and in 1947 the Hospital Saving Association receives approval to act as an official Blue Shield Plan and was among the first 17 Plans authorized to use the Blue Shield emblem.

In 1968, after 35 years of competition, the two associations consolidated to become North Carolina Blue Cross and Blue Shield (NCBCBS)

In 2014, Blue Cross NC was the only insurer to offer ACA-compliant plans to all North Carolinians and in 2016, Blue Cross NC relocated its headquarters to Durham.

Blue Cross NC Coverages

  • Individual and Family Health Plans
  • Medicare plans
  • Dental plans
  • Vision plans
  • Group Business plans for large or small businesses
  • Supplemental Coverage which includes coverage for unexpected costs, plans for short-term medical, global travel insurance and coverage
  • Ancillary and Specialty Benefits which includes, global travel insurance benefits, term-life and disability insurance, critical illness and hospital coverage

Best Health Insurance Companies 2021: Blue Cross Blue Shield of North Carolina

Blue Cross Blue Shield of North Carolina also known as Blue Cross NC has been in business since 1933. It is a full taxed, not for profit North Carolina insurance company that has large operation centers in Durham, Fayetteville and Winston-Salem.

Blue Cross NC employs about 4,800 North Carolinians while also serving customers and communities of more than 3.81 million members. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association.

BCBS of North Carolina 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% of hospitals and 95% of doctors and specialists contract with Blue Cross Blue Shield companies which is more than any other insurer.

BCBS of North Carolina offers a variety of health plans targeted to individuals and families. Medicare plans and supplemental coverage are also available. With an extensive network of doctors and hospitals in North Carolina, BCBS of North is an excellent choice for health insurance.

How BCBS of North Carolina stacks up

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

When we asked BCBS of North Carolina customers if they would recommend the company to others, 77% said yes and 90% said they planned to renew their plan.

How likely customers would recommend this company?

40% I would definitely recommend this company
37% I would probably recommend this company
16% Neutral
3% I would probably not recommend this company
4% I would not recommend this company

Reasons for Buying

Customers of BCBS of North Carolina originally decided to purchase from the company for these reasons:
  • 47% It's a health plan my employer offers
  • 16% Reputation
  • 9% Offered best price
  • 7% Recommended by friend or family member
  • 6% I have/had other insurance with this company
  • 6% My parent's health company
  • 4% Saw TV commercial
  • 4% The company website and mobile apps are easy to use and helpful
  • 1% Saw online ad

Would you renew?

  • 90% Yes
  • 10% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 40%
  • Fairly satisfied / Fulfills my needs OK 27%
  • Average website and apps 19%
  • Very unsatisfied / digital offering is severely lacking 3%
  • Unsatisfied / website and/or apps are not fulfilling my needs 8%

How do you prefer to deal with insurer and policy?

  • In person 37%
  • Phone 18%
  • Email 18%
  • Interactive website 13%
  • Mobile App 14%

Customer Complaint Ratio


The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

BCBS of North Carolina’s customer complaint ratio for Individual Health insurance is 0.47
BCBS of North Carolina’s customer complaint ratio for Group Health insurance is 0.7

In which states is BCBS of North Carolina available?

Customer Reviews

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:

Customer Reviews

100 Reviews. 3.5 Stars out of 5
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