Blue Cross Blue Shield Car Insurance Review [2023]

Blue Cross Blue Shield is a group of 39 independently owned health insurance providers scattered throughout the United States.

The organization is one of the most recognized in the health insurance field.

How long has Blue Cross Blue Shield Insurance been in business? Based in Chicago, the organization began as Blue Cross in 1929, merging with Blue Shield in 1948.

Does Blue Cross Blue Shield have car insurance? As a health insurance provider, neither they nor any of their affiliates sell Blue Cross Blue Shield car insurance.

However, you can receive affordable car insurance rates from multiple licensed providers by entering your ZIP code in the free search tool above. This is the best way to begin car insurance comparison for the best auto insurance rates that will fit your budget.

Will they cover my car?

While there are plenty of property and casualty (liability) insurance companies throughout the country that provide car, home, life, and umbrella policies, companies like Blue Cross Blue Shield focus only on one kind of insurance, i.e health coverage as a means of maintaining company focus. Blue Cross Blue Shield is not an auto insurer.

What is the definition of property and casualty insurance? According to The Balance Small Business, it is a cyclical industry that seeks to insure individuals’ or businesses’ property and wellbeing.

While we cannot offer you a look at rates from this company for car insurance, we can show you averages across the country. Let’s take a look at a table comparing liability rates with other forms of coverage.

This ad for Blue Cross Blue Shield explains what they do for their insured and what their goals are.

A similar company would be a reinsurance organization, which provides coverage to general insurance companies rather than policies for individual consumers.

What Blue Cross Blue Shield offers their clients is a Preferred Provider Organization (PPO). What is Blue Cross Blue Shield PPO? This health insurance plan gives the insured flexibility in that they do not need a primary care physician.

According to Blue Cross Blue Shield’s own page, the insured can effectively go to any health care professional they desire without referral. This ad from Blue Cross Blue Shield of Illinois further explains their PPO.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

How can I contact Blue Cross Blue Shield insurance?

The best way to find information about health insurance coverage options and file a claim is to call Blue Cross Blue Shield’s insurance claims phone number at 888-630-2583.

You can also visit Member Services on their webpage to access your local Blue Cross Blue Shield company’s information. There, you can change your coverage, file a claim, check claim status, and replace your ID card, amongst other services.

Is Blue Cross Blue Shield insurance a reliable company?

How does Blue Cross Blue Shield insurance compare to other companies? Let’s look at how they fared with AM Best, which assigns ratings based on a company’s present and perceived future strength.

According to Businesswire, AM Best has recently upgraded Blue Cross Blue Shield’s Financial Strength Rating to an “A” from an “A-“. They have also upgraded their Long-Term Issuer Credit Rating to an “A” from an “A-“.

All of these ratings are described as “excellent”. The “A” rating for their outlook is especially reaffirming and encouraging. While they are an auto insurance company and don’t offer auto insurance, you can still find an equally reputable auto insurer for your vehicle.

If you’re moving to a different state, changing jobs, or your employer doesn’t provide insurance anymore, Blue Cross Blue Shield can help you.

Blue Cross Blue Shield members have access to exclusive discounts on health and wellness products and services.

Finding the right health insurer for your and your family is important, so look wise when shopping for health plans.

How can I find a good car insurance company?

Insuring your car can be a tedious process. However, there are many websites, like this one, that provide user-friendly search tools to get you in touch with the best car insurance companies in your area.

Besides policies and prices, you should also be aware of a company’s ratings and customer service.

As the mediator between you and your policy, your insurance agent should be available and helpful with any questions you may have regarding your coverage. After all, you are paying for the best services possible.

Find the best deals from multiple providers who do offer car insurance in your area by entering your ZIP code below. You’ll find great car insurance quotes from top auto insurance companies.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Frequently Asked Questions: A Review of Blue Cross Blue Shield (2020)

#1. How much does BCBS insurance cost and how much are policies on average for Blue Cross Blue Shield insurance?

For an individual, BCBS insurance costs an average of $388 per month. For a family, BCBS costs an average of $1,520 per month.

#2. Is Blue Cross a good health insurance company?

They are highly reviewed by AM Best, which is very encouraging.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#3. Where is Blue Cross Blue Shield Insurance headquartered?

Blue Cross Blue Shield is currently headquartered in Chicago, IL.

#4. What coverage does Blue Cross Blue Shield Insurance offer?

Blue Cross Blue Shield exclusively offers a health insurance option.

#5. Can I buy Blue Cross Blue Shield Insurance online?

You cannot buy health insurance directly through Blue Cross Blue Shield.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#6. Does Blue Cross Blue Shield Insurance offer other kinds of coverage?

Unfortunately, Blue Cross Blue Shield is a health insurer and they exclusively offer medical coverage, but have an excellent reputation. Medicare part A and part B do not cover all medical expenses such as hearing aids, routine vision care, routine dental care, extended long-term care, custodial care. Other medical insurance is available through private health insurance carriers.

#7. What discounts does Blue Cross Blue Shield insurance offer?

Insured members can save 20% on a fitbit, 15% on BetterHealthStore deliveries, access free programs to relieve stress due to COVID-19, save 45% on Nutrisystem products, 10% on KIND Bars, and 30% off of LiveKick virtual yoga and meditation courses.

#8. How do I change my address on Blue Cross Blue Shield health insurance policy?

You can contact them at 1-877-241-2583.