Health best-health-company-ratings
Overall Rating info icon info icon
3.5 ratings
Claims Processing
3.5 ratings
Customer Service
3.5 ratings
Value for Price
3.5 ratings
Website and Apps
4.0 ratings
% Who Would Recommend to a Friend
% Who Plan to Renew
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021



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 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
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Customer Complaint Ratio

info icon
( 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 0.70 )
0 1 3 10+
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 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 to recommend?

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

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%
  • Unsatisfied / website and/or apps are not fulfilling my needs 8%
  • Very unsatisfied / digital offering is severely lacking 3%

How do you prefer to deal with insurer and policy?

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

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

About Blue Cross Blue Shield of North Carolina

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.

In which states BCBS of North Carolina is available?

States in which BCBS of North Carolina is available
North Carolina

Contact BCBS of North Carolina

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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