BCBS of North Carolina Health Insurance Ratings
Ranked No. 2 Overall
Product
Health
Overall
84.45
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
NR
Other Companies to Consider:
Go to BCBS of North Carolina site now to get a quote
Reasons for Buying from BCBS of North Carolina
Customers of BCBS of North Carolina originally decided to purchase from the company for these reasons:
| It's a health plan my employer offers | 46% |
| Offered best price | 9% |
| Recommended by friend or family member | 9% |
| I have/had other insurance with this company | 8% |
| Reputation | 8% |
| Saw online ad | 8% |
| Saw TV commercial | 4% |
| The company website and mobile apps are easy to use and helpful | 4% |
| Was the company my parents had | 4% |
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
42%
Satisfied - Fulfills my needs okay
31%
Completely satisfied - Gives me what I want and more
21%
Neutral - No good or bad feelings on this
5%
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 Blue Shield Blue Cross of North Carolina
BCBSNC offers a variety of health plans including:
- Individual and family plans
- Group plans
- Dental plans for individual and families
- Medicare plans
- Supplemental coverages
- Ancillary and specialty benefits for employees
Best Health Insurance Companies 2020: How BCBS of North Carolina Stacks Up
Blue Shield Blue Cross of North Carolina had a strong showing in the 2020 Best Health Insurance Survey with an overall ranking of 2nd place as well as 2nd place for easy of use of website and mobile apps. BCBS of NC, also ranked high, 3rd place, for claims, price and customer service. Nearly all surveyed policyholders said they would renew with BCBS of North Carolina, 96% and 82% said they would recommend the company to others.
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 North Carolina'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, Blue Shield Blue Cross of North Carolina (NAIC# 54631) had a complaint ratio of 0.60 for individual health and 0.75 for group health for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Over 80 years of experience
The parent company of BCBS North Carolina (Hospital Care Association) started in 1933 with one of the founders being the dean Duke University School of Medicine. Prepaid hospital care was offered to families for as little as 2 cents a day. After 35 years of competition, the HCA consolidate with another hospital savings company in 1968 and in 1973 changed its name to BCBS of North Carolina (BCBSNC). It serves nearly 4 million North Carolinians. Since 2015 BCBSNC has offered an online cost transparency tool that allows users to compare the cost for more than 1,200 medical procedures.
Contact information
Corporate Headquarters
4615 University Drive
Durham, NC 27707
Member services:
1-800-324-4973 for individual or family plans
1-800-291-6315 for group plans
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:
"A very serious company, it takes care of you efficiently"
-Age 18-36, North Carolina
"Awesome company"
-Age 18-36, North Carolina
"Blue Cross Blue shield covers most of our health claims"
-Age 18-36, North Carolina
"Easy access to website"
-Age 18-36, North Carolina
"Easy to use."
-Age 18-36, North Carolina
"Everything you want is at your finger tips"
-Age 18-36, North Carolina
"I love blue cross and blue shield NC"
-Age 18-36, North Carolina
"It is easy to get a quote from online."
-Age 18-36, North Carolina
"It's premium is somewhat high as compared to others but it's service and claim settlement is really awesome"
-Age 18-36, North Carolina
"They have a team of nice people"
-Age 18-36, North Carolina
"Provides proper solutions to your concerns and even to choose the right coverage option"
-Age 18-36, North Carolina
"Overall satisfactory; meets my needs and expectations"
-Age 18-36, North Carolina
"So far employees are a doing great job"
-Age 18-36, North Carolina
"The attitude of their staff is nice and positive for customers"
-Age 18-36, North Carolina
"The price I pay each month is reasonable and customer service is amazing"
-Age 18-36, North Carolina
"There is not really much to say about them. They have always helped me when I needed it and have never fought to cover something that needed to be covered"
-Age 18-36, North Carolina
"They are always happy to answer any questions I have."
-Age 18-36, North Carolina
"They are available whenever I needed them"
-Age 18-36, North Carolina
"They cover what they say and I'm sure they will cover without any hassle."
-Age 18-36, North Carolina
"They do their best & are very affordable"
-Age 18-36, North Carolina
"Very helpful to me when I contact them"
-Age 18-36, North Carolina
"They offer me everything I need from such a company without any surprises or hidden fees."
-Age 18-36, North Carolina
"They provide great services. Rates and pricing are fair. The customer services rep are understanding and always try to assist to their best"
-Age 18-36, North Carolina
"This company is better compare to others"
-Age 18-36, North Carolina
"Accepted everywhere. Pays claims quickly"
-Age 37-52, North Carolina
"Are very cooperative"
-Age 37-52, North Carolina
"BCBS is a good company which covers most expenses through my weekly premiums."
-Age 37-52, North Carolina
"Competent team, doing great at their jobs"
-Age 37-52, North Carolina
"Customer are always first to this company"
-Age 37-52, North Carolina
"Customer care always help me when ever I have any doubt or issues"
-Age 37-52, North Carolina
"Fair prices and service"
-Age 37-52, North Carolina
"Good company"
-Age 37-52, North Carolina
"I have been very happy with BCBS."
-Age 37-52, North Carolina
"I have excellent coverage and I never have problems with my doctors getting paid."
-Age 37-52, North Carolina
"I was very well treated by the employees"
-Age 37-52, North Carolina
"It is easy to get information about claims and coverage through the website and then follow up with a live representative on the phone if further help is needed."
-Age 37-52, North Carolina
"Great company for health insurance"
-Age 37-52, North Carolina
"Provided the cheapest plan that they can offer"
-Age 37-52, North Carolina
"It's safe to take insurance from this company for future"
-Age 37-52, North Carolina
"Listens to my needs"
-Age 37-52, North Carolina
"Offer best price in the town"
-Age 37-52, North Carolina
"One of the top brands on the insurance sectors"
-Age 37-52, North Carolina
"Perfect policy to suit all"
-Age 37-52, North Carolina
"The customer service is better than other companies in the market"
-Age 37-52, North Carolina
"They are caring and supportive."
-Age 37-52, North Carolina
"They have a great website easy to use"
-Age 37-52, North Carolina
"Think the should cover certain things"
-Age 37-52, North Carolina
"They are ready to take responsibilities and fulfills them effeciently"
-Age 53+, North Carolina
"They have best protection policies I have been utilizing"
-Age 53+, North Carolina
"Claiming procedure and CS are very good"
-Age 53+, North Carolina
"Have a good association with them so far in my dealings with them"
-Age 53+, North Carolina
"Got hassle free guidance/service while choosing an insurance plan"
-Age 53+, North Carolina
"Guided us and gave us the best suggestions"
-Age 53+, North Carolina
"The team have great problem solving ability"
-Age 53+, North Carolina
"Provides honest policies and coverages to you"
-Age 53+, North Carolina
"I recommend my company above all the other policy aggregators"
-Age 53+, North Carolina
"It has a health insurance plans which works with a network, group of doctors, clinics, hospitals and other health care providers."
-Age 53+, North Carolina
"It has an extensive product portfolio with many choices, options and alternatives. Devoted and dedicated commitment to getting health care for buyers."
-Age 53+, North Carolina
"It has different and dynamic approach in the field of the health insurance with a lot of benefits, all in one place services."
-Age 53+, North Carolina
"It has specific plans that I need"
-Age 53+, North Carolina
"It is an insurance company that don't make any fake promises"
-Age 53+, North Carolina
"It offers family insurance with an intention to protect members of family, claim specialist, ready to help in and running things easily, fairly and fast."
-Age 53+, North Carolina
"It offers many services under one roof plan features are impressive, attractive and affordable, provides good coverage and fast paced."
-Age 53+, North Carolina
"It provides most suggested technical tools to manage the health of its customers."
-Age 53+, North Carolina
"Love them"
-Age 53+, North Carolina
"Their network of hospitals is very good"
-Age 53+, North Carolina
"Team was very polite with me, while discussing the issues"
-Age 53+, North Carolina
"Premiums are reasonable, provide good coverage, plan features are attractive, effective and affordable."
-Age 53+, North Carolina
"Process for making claim is good"
-Age 53+, North Carolina
"Prompt claim payments easy to deal with"
-Age 53+, North Carolina
"Provide most supportive systematize fresh needful tools to operate the health care of its customers. Always available in need."
-Age 53+, North Carolina
"Since I did not know my benefits coverage, when I went to the doctor, the nurse at the clinic had to call BCBS. A few minutes later the nurse had all the information she needed."
-Age 53+, North Carolina
"Prompt responses"
-Age 53+, North Carolina
"They offer wellness checks and programs to help you manage your health"
-Age 53+, North Carolina
"They provides good and perfect policy for customers"
-Age 53+, North Carolina
"They work with and for you."
-Age 53+, North Carolina
"This is the only company on our state marketplace."
-Age 53+, North Carolina
"We have had BCBS most of our lives, they have always been good to deal with."
-Age 53+, North Carolina
"When I have looked up information online I was able to find it without too much trouble. It is easy to find out what our coverage is and what our deductibles are."
-Age 53+, North Carolina
"You will get frank advice and that's suits me"
-Age 53+, North Carolina
"I didn't like the HR"
-Age 18-36, North Carolina
"I don't have much to say about this company because I've never needed to contact them yet."
-Age 18-36, North Carolina
"I haven't had any problems"
-Age 18-36, North Carolina
"It's an okay company. All health insurance is overpriced but this one had the lowest of all"
-Age 18-36, North Carolina
"I get my insurance through the marketplace because it is all I can afford. It is also the only insurance company that my state offers through the marketplace. It still leaves me with huge bills but I make payments as I can."
-Age 37-52, North Carolina
"Nothing to complain about"
-Age 37-52, North Carolina
"The price of premiums is skyrocketing. I wish we had more options."
-Age 37-52, North Carolina
"Their website is essentially useless with inaccurate and incomplete information regarding both in-network and out-of-network providers. No live person on the phone is able to provide any cost information, including estimates. Using the personalized webpage is as useless since cost information is also inaccurate, incomplete and if available at all it is only an estimate and a bad one at that. The premium costs are insane and the only way this insurer is interested in their customers is finding ways to shove wellness programs down their throats in the hope that paying customers will not have to use their insurance in the first place. This insurer is short-sighted about the reality that nearly every single person will enter the healthcare system at some point in their life regardless of how many wellness programs the insurer wants to promote. Moreover, this insurer has remained essentially slient during both the past and current administrations with no guidance or assistance to their subscribers regarding the benefits and disadvantages of both the Affordable Care Act and all replacement and repeal proposals. This insurer appears to only care about making their profits and how much increase to charge their subscribers each and every year."
-Age 37-52, North Carolina
"Company has an exceptional claim service and unique covers."
-Age 53+, North Carolina
"The cost of this insurance is way too high"
-Age 53+, North Carolina