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HealthCare Services Corp Health Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
Product
health-icon Health
info iconOverall
79.55 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 79.55 out of 100 Claims Processing 84.71 Customer Service 81.40 Value for
Price
75.80
Website and Apps 76.59 % Who Would Recommend to a Friend 65% % Who Plan to Renew 85% A
info icon
AM Best Financial Strength RatingsOctober 31, 2019
A
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Reasons for Buying from HealthCare Services Corp

Customers of HealthCare Services Corp originally decided to purchase from the company for these reasons:
It's a health plan my employer offers46%
Offered best price15%
I have/had other insurance with this company11%
Reputation11%
Recommended by friend or family member7%
Was the company my parents had6%
Saw TV commercial3%
Saw online ad1%
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. 35%
I would definitely recommend this company. 30%
Neutral 24%
I probably would not recommend this company. 9%
I would not recommend this company. 2%

Would you renew?

Yes 85%
No 15%

Website and Apps

How easy to use and how helpful they are
33%
Satisfied - Fulfills my needs okay
24%
Completely satisfied - Gives me what I want and more
23%
Neutral - No good or bad feelings on this
12%
Never visited or used website or mobile app
8%
Not Satisfied - Is not a good website or app
0%
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

46%
Phone
32%
Interactive website
14%
In person
4%
Email
4%
Mobile App
User Review
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About HealthCare Service Corp

Best Health Insurance Companies 2020: How Health Services Corp. Compares

HealthCare Service Corp. ranked 15th in the 2020 Best Health Insurance Survey with a score of 79.55. HCSC’s best ranking was 12th for both claims and customer service. While it was 15th again for both price and ease of use of website and mobile apps. Even with lower rankings, many said they would renew with HCSC, 85%.

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 Health Care Service Corp'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, Health Care Service Corp. (NAIC# 70670) had a complaint ratio of 0.40 for individual health insurance and 0.46 for group health insurance for 2018. 2019 complaint numbers will be available in 2020.

Company Background

Customer-owned company

Health Care Service Corporation (HCSC) is an independent licensee of the Blue Cross and Blue Shield (BCBS) Association, who is the largest customer-owned health insurer in the United States. HCSC operates as BCBS plans in five states: Illinois, Montana, New Mexico, Oklahoma and Texas.  It is known as Blue Cross Blue Shield in these states: BCBS of Illinois, BCBS of Montana, BCBS of New Mexico, BCBS of Oklahoma and BCBS of Texas.

The company was founded in 1936 and serves over 15 million members.  HCSC isn’t obliged to any investors as its customer-owned, meaning its policyholders are the owners.

Contact information

Corporate Headquarters

300 E. Randolph Street

Chicago, IL 60601

General inquiries:  1-312-653-6000

Member services:

Illinois: 1-800-654-7385

Montana: 1-406-437-5000

New Mexico: 1-800-835-8699

Oklahoma: 1-918-560-3500

Texas: 1-972-766-6900