Empire Blue Cross Blue Shield Essential Plan Reviews
Blue Cross Blue Shield (BCBS) companies are part of the Blue Cantankerous Blue Shield Association (BCBSA), an brotherhood of separate health insurance businesses covering members in each state. Policyholders can use a Blue Cantankerous Blue Shield insurance card almost anywhere in the U.S., subject to provider participation and programme benefits.
Each Blue Cantankerous Blue Shield individual insurance company is locally owned and independently operated. Individual BCBS companies sell and service health insurance relative to their "home" states or regions. As such, customers rate and report on interactions with their dwelling BCBS plan, rather than the association as a whole. While some customers reported concerns related to payment and service, the companies we reviewed received overall positive marks from the Better Concern Bureau and other reporting entities.
- Blue Cross Blue Shield medical insurance: Our thoughts
- Plan costs and options
- Member resources and unique benefits
- Reviews and customer complaints
Blueish Cross Blue Shield medical insurance: Our thoughts
Blue Cantankerous Blue Shield insurance offers a variety of coverage types including dental, vision, short-term medical and individual major medical. Specifically, BCBS provides Affordable Care Deed (ACA) major medical plans for new enrollees in all but three states: Mississippi, Nebraska and South Dakota. Existing members may be able to go on their current coverage in these three states.
Some BCBS companies practice business concern in multiple states. For example, a BCBS entity called CareFirst covers Maryland, Virginia and the Commune of Columbia. Other BCBS businesses, such equally Horizon Blue Cross and Blueish Shield of New Jersey, operate in a single state.
Availability of BCBS policies
Listed below are the BCBS entities in each country. In some cases, multiple BCBS companies operate in a single state. For example, depending on where yous alive in California, yous would be covered by either Blue Shield of California or Anthem Bluish Cross.
As a reminder, BCBS does not offering ACA plans in Mississippi, Nebraska and Southward Dakota.
Plan costs and options
Below are Bronze, Silvery and Golden levels of a Blue Cross and Blueish Shield of Illinois insurance plan and one offered by Blue Cross Blue Shield of Michigan. In both cases, our cost estimates are based on a 40-year-sometime individual. It is important to note that some of these plans may not be available in all areas of these states, so it is vital to visit your ain health insurance exchange to see what plans are available.
Blue Cross and Blue Shield of Illinois
| Programme proper noun | Individual deductible | Premium | Coinsurance | PCP copay |
|---|---|---|---|---|
| Plan 205 – Blue Precision Bronze HMO | $7,400 | $389 | 50% | $sixty |
| Plan 206 – Blue Precision Silverish HMO | $3,000 | $492 | 50% | $xxx |
| Plan 207 – Blue Precision Gilt HMO | $750 | $565 | 30% | $20 |
Blue Cross Bluish Shield of Michigan
| Program proper noun | Individual deductible | Premium | Coinsurance | PCP copay |
|---|---|---|---|---|
| Blue Cantankerous Preferred HMO Bronze | $eight,500 | $273 | 0% | $35 |
| Blue Cross Preferred HMO Silver | $3,000 | $420 | 30% | $xxx |
| Blue Cross Preferred HMO Gold | $850 | $455 | twenty% | $30 |
In a ValuePenguin report on ACA plans in Michigan, nosotros plant that BCBS of Michigan was among the few companies offering the cheapest Silver wellness insurance plan in 84% of Michigan counties.
Blue Cross Bluish Shield of Michigan Silver HMO quotes vs. competitor Silver HMOs
To maintain focus, nosotros narrowed our review of competitor insurance products to a unmarried country. The graph beneath compares individual rates for a Bluish Cantankerous Blue Shield of Michigan Silver health insurance plan to similar Silver HMOs offered by Priority Health and McLaren Wellness Plan Community.
Notice Cheap Health Insurance in Your Expanse
Deductible amounts for the sample plans range from a low of $2,400 for Priority Wellness to a high of $three,700 for McLaren Health Programme Customs. Out-of-pocket maximums are like between the iii options, ranging from $8,150 for McLaren to $8,550 for Priority Health.
Deductibles, coinsurance and copays are assessed differently amidst the plans. For instance, only BCBS of Michigan applies prescription costs to the annual deductible, pregnant prescriptions are not covered until the deductible is met.
The plans also vary in how they handle emergency room (ER) services. BCBS of Michigan and Priority Wellness both appraise a $250 copay per ER visit subsequently the almanac deductible is met, plus 30% coinsurance. McLaren charges twenty% coinsurance after the $iii,700 deductible is met simply no ER copay.
In a scenario where you received ER services totaling $5,000 earlier meeting any portion of your deductible, your combined out-of-pocket expense would exist your full deductible, copay (if one is charged) and coinsurance for the remaining amount. The cost calculation for each program is shown beneath.
- BCBS: $iii,000 + $250 + xxx% of the remaining amount, or $525 = $3,775
- McLaren: $3,700 + xx% of the remaining corporeality, or $260 = $3,960
- Priority Wellness: $two,400 + $250 + 30% of the remaining amount, or $705 = $iii,355
In this situation, Priority Wellness has the everyman out-of-pocket expense. Priority Health too has the cheapest premium compared to the other two options. Equally mentioned before, BCBS rates may be higher than those charged past competitors in some areas. If price is a main factor, a BCBS health program may non be the best choice depending on where you live. The BCBS provider network and company standing might exist features to consider but could come at a slightly higher cost.
Member resources and unique benefits
As part of the BCBS Association, many BCBS plans provide access to additional health-related resources like those listed here. It is important to retrieve that these are not wellness insurance benefits.
- A 24/7 nurse line
- Blue365 for discounts on wellness and fettle clubs, weight loss programs and other health-related products
- Telemedicine
- A mobile app and a separate fellow member website
Reviews and client complaints
BCBS is an established health insurance company with widespread availability and a large provider network. BCBS insurance plans include multiple coverage options with rates comparable to — or sometimes higher than — rates from other companies. Overall, BCBS has received positive ratings from reporting agencies such as the Better Concern Bureau and the National Association of Insurance Commissioners (NAIC).
BCBS companies are separate entities but often accept like names. Equally a result, customers take reported challenges in finding the right department to address their servicing needs.
Customers reported concerns with both BCBS of Illinois and BCBS of Michigan relative to claim payments and servicing, including issues with hold times, lack of follow-through and inaccurate information. Even so, in calculating ratings, the Better Business organization Bureau considers the number of complaints and how promptly they are addressed, forth with a visitor's size relative to complaint totals and its time in business. With all factors combined, the Improve Business Bureau gave BCBS of Illinois and BCBS of Michigan ratings of A- and A+, respectively.
In the individual health category, NAIC complaint totals for both BCBS of Illinois and BCBS of Michigan were below average relative to company size. BCBS of Illinois received a median NAIC index of 0.00, meaning no complaints were reported by the Illinois insurance department for the 2020 review period. For BCBS of Michigan, the NAIC reported a median complaint index of 0.38 for 2020.
Source: https://www.valuepenguin.com/blue-cross-blue-shield-health-insurance-review
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