Blue Cross Blue Shield is a nationwide association of 36 independent insurance companies. The association has been around since 1929 and most of its companies have received high ratings from AM Best.2 The companies earned ratings of 2.5 to 4.5 out of 5 from NCQA.3 BCBS companies also ranked high on the J.D. Power 2020 U.S. Commercial Member Health Plan Study.4 

BCBS provides coverage in every zip code in all 50 states, plus the District of Columbia and Puerto Rico. The company also underwrites international coverage in 170 countries through BCBS Global. BCBS has a network containing over 96% of the country’s hospitals and 95% of the country’s doctors. The company’s large network seeds the data for innovative healthcare solutions—like the ability to compare costs for over 1,600 procedures—more than any other insurer.  

BCBS is a popular solution, covering seven million people who work for small employers. BlueCard® PPO is a leading PPO network, working with 96% of U.S. hospitals and 95% of U.S. physicians. The details of each health insurance plan vary depending on which company you work with, but you can type in your zip code or state for the phone number of a local sales representative who can give you information specific to your locality.


  • Expansive provider network
  • Data-driven healthcare solutions
  • Physical medical centers
  • Mobile app
  • Excellent customer service


  • Limited health plan details on BCBS website
  • Must contact a sales representative
  • Mixed reviews on ConsumerAffairs
  • Only operational in nine states

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