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Blue Shield of California Health Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Product
health-icon Health
info iconOverall
81.41 out of 100
Productinfo icon
HOW WE WEIGH OUR SCORE
Overall
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon
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.

AM Best Financial Strength Ratings

October 31, 2019

health-icon Health 81.41 out of 100 Claims Processing 85.88 Customer Service 81.00 Value for
Price
79.20
Website and Apps 76.90 % Who Would Recommend to a Friend 74% % Who Plan to Renew 91% A
info icon
AM Best Financial Strength RatingsOctober 31, 2019
A
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Reasons for Buying from Blue Shield of California

Customers of Blue Shield of California originally decided to purchase from the company for these reasons:
It's a health plan my employer offers42%
Offered best price17%
Reputation14%
Recommended by friend or family member10%
Was the company my parents had8%
Saw TV commercial5%
I have/had other insurance with this company4%
Saw online ad0%
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 would definitely recommend this company. 37%
I probably would recommend this company. 37%
Neutral 19%
I probably would not recommend this company. 5%
I would not recommend this company. 2%

Would you renew?

Yes 91%
No 9%

Website and Apps

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

How You Prefer to Deal with Insurers

54%
Phone
19%
Interactive website
14%
In person
8%
Email
5%
Mobile App
User Review
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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