Ratings

Health
best-health-company-ratings
Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
74%
% Who Plan to Renew
91%
AM Best Financial Strength Ratings info-icon info-icon October 31, 2019
A

Reasons for Buying

Customers of Blue Shield of California originally decided to purchase from the company for these reasons:
42%
It's a health plan my employer offers
17%
Offered best price
14%
Reputation
10%
Recommended by friend or family member
8%
Was the company my parents had
5%
Saw TV commercial
4%
I have/had other insurance with this company
0%
Saw online ad
0%
The company website and mobile apps are easy to use and helpful

How likely to recommend?

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

Would you renew?

91% Yes
9% No

Ratings on Website & Apps

Satisfied - Fulfills my needs okay
28%
Completely satisfied - Gives me what I want and more
26%
Neutral - No good or bad feelings on this
23%
Never visited or used website or mobile app
16%
Not Satisfied - Is not a good website or app
5%
Very unsatisfied - Their digital offerings are not good at all or nonexistent
2%

How do you prefer to deal with insurer and policy?

Phone
54%
Interactive website
19%
In person
14%
Email
8%
Mobile App
5%
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About Blue Shield of California

Best Health Insurance Companies 2020: How Blue Shield of California Compares

Blue Shield of California received an overall score of 81.41 in this year’s Best Health Insurance consumer survey. It came in 11th overall and had its best showing with a 9th place for value for price. Policyholders seem to be asking for a better website and apps with a 14th place ranking for that rating factor. An impressive 91% of the surveyed policyholders said they would renew with Blue Shield of California, but only 74% 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 Blue Shield of California'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 of California (NAIC# 61557) had a complaint ratio of 3.61 for individual health insurance and 2.23 for group health insurance for 2018. 2019 complaint numbers will be available in 2020.

Company Background

A West Coast non-profit insurer

Established in 1938 as California Physicians’ Service, Blue Shield of California now serves 4 million members with 6,800 employees. Members of this non-profit health insurer can rest assured that profits return to the community, such as the $200 million in 2015 which was contributed to the Blue Shield of California Foundation which researches solutions to ensure healthcare and domestic violence services.

The insurer offers numerous levels of HMO and PPO plans, along with prescription drug, vision and dental coverage plans. Members receive 24/7 online and mobile access to locate providers, chat with a nurse or pharmacist, track claims and compare treatment costs.

Contact information

Corporate headquarters

Blue Shield of California

50 Beale St. San Francisco, CA 94105

(415) 229-5000

Member services: (800) 393-6130

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