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BCBS of North Carolina Health Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

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.

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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 offers30%
Saw TV commercial21%
Offered best price19%
Recommended by friend or family member5%
Saw online ad5%
I have/had other insurance with this company5%
Was the company my parents had2%
The company website and mobile apps are easy to use and helpful0%

How likely are you to recommend this company to a friend, coworker or family member?

I probably would recommend this company. 44%
I would definitely recommend this company. 43%
Neutral 11%
I probably would not recommend this company. 2%
I would not recommend this company. 0%

Would you renew?

Yes 92%
No 8%

What was most important when choosing your current health plan

Low premiums 36%
Preferred providers available 25%
I didn?t have a choice 19%
Low deductibles 10%
Breadth of services 6%
Not needing a referral (such as a PPO) 4%
Other 0%

Website and Apps

How easy to use and how helpful they are
46%Good - Fulfills my needs
42%Excellent - Gives me what I need and more
6%Just okay - Fulfills some but not all of my needs
4%Never visited/used website or mobile app
2%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

31%Interactive website
21%In person
3%Smartphone 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: How Blue Shield Blue Cross of North Carolina Stacks Up

Blue Shield Blue Cross of North Carolina came in 6th in our Best Health Insurance Survey with a score of 86.28. In spite of missing the top five, BCBS of NC, the insurer should be pleased with a 4th place showing for value of price and 5th place for the new category of ease of use of website and apps. Eighty-seven percent of those surveyed said they would recommend BCBS of North Carolina and 92% said they would renew.

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 Allstate'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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