Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
% Who Plan to Renew
AM Best Financial Strength Ratings info-icon info-icon October 31, 2019

Reasons for Buying

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

How likely to recommend?

I would definitely recommend this company
I probably would recommend this company
I probably would not recommend this company
I would not recommend this company

Would you renew?

96% Yes
4% No

Ratings on Website & Apps

Satisfied - Fulfills my needs okay
Completely satisfied - Gives me what I want and more
Neutral - No good or bad feelings on this
Never visited or used website or mobile app
Not Satisfied - Is not a good website or app
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How do you prefer to deal with insurer and policy?

Interactive website
In person
Mobile App
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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

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