Empire Blue Cross Blue Shield Insurance Review & Ratings (2024)
Valuable insurance information and resources with Empire Blue Cross Blue Shield. Whether you're seeking health insurance coverage, exploring benefits options, or looking for assistance with claims and billing, our comprehensive collection of resources is here to support you. Dive into topics such as understanding different health insurance plans, navigating the complexities of medical billing, and maximizing your coverage benefits.
Read moreMichelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Empire Blue Cross Blue Shield
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
N/AComplaint Level:
LowPros
- Comprehensive coverage options for health, dental, and vision insurance.
- A strong reputation for reliability and customer service.
- Customizable health insurance plans to meet individual needs.
- Incentives for preventive care and wellness programs.
- Extensive network and accessibility across diverse regions.
Cons
- Rates may be relatively higher compared to some competitors.
- Complaint levels may vary, with occasional reports of dissatisfaction.
- Limited information available on specific policy details without contacting a representative.
- The availability of certain features and plans may be region-specific.
- The website interface could be more user-friendly.
Overall, Empire Blue Cross Blue Shield is a well-established and respected health insurance company that may be a good option for individuals, families, and employers looking for affordable and comprehensive coverage.
Customers should carefully research and compare their options before choosing a plan and should consult with the company directly to determine which plan is right for their needs and budget.
What You Should Know About Empire Blue Cross Blue Shield
Welcome to our comprehensive guide on Empire Blue Cross Blue Shield Insurance and how it can benefit you and your family. Explore coverage options, provider networks, and affordable plans. Whether you’re an individual, family, or group, we have tailored plans to suit your needs.
Take the next step and find the best insurance provider for you. Enter your zip code now to compare rates from top-notch providers in your area. Your health and peace of mind are our priority. Don’t miss out on finding the best insurance provider for your requirements.
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An Overview: Empire Blue Cross Blue Shield
Empire Blue Cross Blue Shield is one of the leading health insurance providers in the United States. With a history dating back to 1934, the company is committed to providing quality healthcare services to its customers.
- Empire Blue Cross Blue Shield is a subsidiary of Anthem, one of the largest health insurance companies in the United States.
- The company has over 4 million members and operates in 10 states, including New York, New Jersey, and Connecticut.
- Empire Blue Cross Blue Shield has been recognized as a top-performing health plan by the National Committee for Quality Assurance.
They offer a wide range of health insurance products and services, including individual and family plans, Medicare, and group plans. Empire Blue Cross Blue Shield is known for its high-quality customer service and wide network of healthcare providers.
History of Empire Blue Cross Blue Shield Insurance
Empire Blue Cross Blue Shield has a long and rich history dating back to 1934 when it was first established as the Associated Hospital Service of New York.
The company began as a way to provide affordable healthcare services to the residents of New York City who were struggling to pay for medical expenses during the Great Depression.
In 1948, the company became one of the first healthcare providers to offer coverage for mental health and substance abuse treatments.
In the 1960s, they expanded their services to include coverage for preventive care, and in the 1980s, they became one of the first companies to offer HMOs (Health Maintenance Organizations) as an alternative to traditional fee-for-service plans.
The mission of Empire Blue Cross Blue Shield Insurance
Today, Empire Blue Cross Blue Shield is a subsidiary of Anthem, one of the largest health insurance companies in the United States.
Their mission is to provide affordable and high-quality healthcare services to their customers. The company is committed to improving the health and well-being of its members and the communities they serve by offering a wide range of health insurance products and services.
Empire Blue Cross Blue Shield is also committed to innovation and staying at the forefront of the healthcare industry.
They have invested heavily in technology and data analytics to improve their operations and provide better care to their customers.
In recent years, the company has launched several initiatives to address the opioid epidemic and improve mental health services.
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Empire Blue Cross Blue Shield Insurance Coverage Options
Empire Blue Cross Blue Shield offers a variety of health insurance products and services to individuals, families, and employers. Here is an overview of the main products and services they offer:
- Individual and family plans: Empire Blue Cross Blue Shield offers a range of health insurance plans for individuals and families, including HMOs, PPOs, and consumer-driven health plans. These plans provide coverage for medical services, prescription drugs, preventive care, and more.
- Medicare plans: Empire Blue Cross Blue Shield offers Medicare Advantage and Medicare Supplement plans, which provide additional benefits and coverage beyond Original Medicare. These plans may include prescription drug coverage, vision and dental benefits, and wellness programs.
- Group plans: Empire Blue Cross Blue Shield offers a variety of group health insurance plans for employers of all sizes. These plans may include HMOs, PPOs, and consumer-driven health plans, and can be customized to meet the specific needs of each employer.
- Dental and vision plans: Empire Blue Cross Blue Shield also offers standalone dental and vision plans, which provide coverage for routine checkups, cleanings, and other services.
In addition to these main products and services, Empire Blue Cross Blue Shield offers a variety of additional benefits and resources to their customers, such as:
- Telemedicine services: Empire Blue Cross Blue Shield offers virtual doctor visits and other telemedicine services to make it easier for customers to access care.
- Wellness programs: The company offers a variety of wellness programs, such as smoking cessation and weight management programs, to help customers improve their health and well-being.
- NurseLine: Empire Blue Cross Blue Shield provides a NurseLine service that customers can call 24/7 for advice and assistance with healthcare questions and concerns.
Empire Blue Cross Blue Shield Insurance Rates Breakdown
Navigating the insurance landscape requires a nuanced understanding of the offerings. Here, we dissect the insurance breakdown of Empire Blue Cross Blue Shield and its key competitors, shedding light on the diverse coverage each brings to the table.
Empire Blue Cross Blue Shield
- Health Insurance: Empire BCBS excels in health coverage, offering plans with a broad network, encompassing routine check-ups to specialized treatments.
- Dental Insurance: Comprehensive dental plans go beyond basics, providing coverage for preventive care and major dental procedures.
- Vision Insurance: Empire BCBS prioritizes eye health, offering coverage for exams, glasses, and contact lenses.
- Life Insurance: Financial protection is paramount, and Empire BCBS’s life insurance policies ensure security for loved ones in times of need.
- Additional Coverage Options: Beyond core offerings, Empire BCBS provides supplementary health plans and wellness programs for a customized approach.
States Where Empire Blue Cross Blue Shield Offers Insurance
Empire Blue Cross Blue Shield is available in 10 states, mainly in the Northeastern region of the United States. The states where Empire Blue Cross Blue Shield offers its health insurance plans are:
- Connecticut
- Georgia
- Indiana
- Kentucky
- Maine
- Missouri
- New Hampshire
- New York
- Ohio
- Virginia
It’s important to note that the availability of Empire Blue Cross Blue Shield plans may vary by location within these states, and the company may offer different plan options and pricing in each state.
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Empire Blue Cross Blue Shield Discounts Available
Empire Blue Cross Blue Shield offers several discounts to their customers to help make their health insurance more affordable.
Here are some of the discounts available and how customers can qualify for them:
- Multi-policy discount: Customers who have multiple insurance policies with Empire Blue Cross Blue Shield can receive a discount on their premiums. For example, if a customer has both a health insurance plan and a dental insurance plan with the company, they may be eligible for a discount.
- Healthy lifestyle discounts: Empire Blue Cross Blue Shield offers discounts to customers who engage in healthy behaviors, such as exercising regularly or quitting smoking. These discounts may include reduced premiums or other incentives.
- Family discounts: Customers who have multiple family members covered under their health insurance plan may be eligible for a discount on their premiums.
- Employer group discounts: Employers who offer health insurance plans to their employees through Empire Blue Cross Blue Shield may be eligible for group discounts.
To find out more about these discounts and how to qualify for them, customers can contact Empire Blue Cross Blue Shield’s customer service department or visit their website.
Seamless Claims Process With Empire Blue Cross Blue Shield Insurance
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Empire Blue Cross Blue Shield offers a straightforward and convenient claims process for its policyholders. They provide multiple channels for filing claims, including online, over the phone, and through mobile apps. This flexibility ensures that customers can choose the method that suits them best.
Average Claim Processing Time
One of the crucial aspects of a smooth claims experience is the processing time. Empire Blue Cross Blue Shield is committed to efficiently handling claims. While specific processing times may vary depending on the nature and complexity of the claim, the company strives to process claims promptly to provide customers with timely resolutions.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when evaluating an insurance provider. Empire Blue Cross Blue Shield has received mixed reviews regarding claim resolutions and payouts.
Some customers have praised the company’s responsiveness and fair settlements, while others have expressed concerns about high premiums and limited coverage options. Prospective policyholders need to consider this feedback when making their insurance decisions.
Exploring Empire Blue Cross Blue Shield Insurance Cutting-Edge Digital and Technological Features
Mobile App Features and Functionality
Empire Blue Cross Blue Shield offers a mobile app with a range of features and functionalities to enhance the customer experience. The app allows policyholders to access their insurance information, check claim status, find healthcare providers, and even schedule appointments. It provides a convenient way for customers to manage their health insurance on the go.
Online Account Management Capabilities
In addition to the mobile app, Empire Blue Cross Blue Shield provides robust online account management capabilities through their website. Policyholders can log in to their accounts to view and manage their policies, make premium payments, and access important documents. The online portal offers a user-friendly interface for efficient account management.
Digital Tools and Resources
Empire Blue Cross Blue Shield is committed to leveraging technology to provide valuable resources to its customers. They offer digital tools and resources, such as educational materials, cost calculators, and wellness programs, to help policyholders make informed healthcare decisions and maintain their well-being. These digital resources contribute to a holistic and proactive approach to healthcare management.
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How Empire Blue Cross Blue Shield Ranks Among Providers
In the dynamic realm of insurance, Empire Blue Cross Blue Shield faces robust competition from industry stalwarts. Let’s delve into a succinct overview of Empire BCBS’s main competitors, each contributing distinctive strengths to the insurance landscape.
- Aetna: Renowned for its expansive network and a diverse array of insurance plans, Aetna stands out for its commitment to innovation and technology-driven solutions.
- UnitedHealthcare: As a global giant, UnitedHealthcare covers millions with its comprehensive health plans, distinguishing itself through an all-encompassing approach to health and wellness.
- Cigna: With a global reach, Cigna offers a broad spectrum of health services, emphasizing holistic well-being, preventive care, and personalized solutions.
- Anthem Blue Cross Blue Shield: A fellow member of the Blue Cross Blue Shield Association, Anthem BCBS provides region-specific coverage, aligning its offerings with local healthcare needs.
- Humana: Specializing in Medicare Advantage plans and wellness programs, Humana addresses the unique needs of seniors while promoting overall healthy living.
Customer Reviews: Empire Blue Cross Blue Shield Insurance
Empire Blue Cross Blue Shield has received mixed reviews from customers. Some customers have praised the company’s customer service and a wide network of healthcare providers, while others have criticized the company’s high premiums and limited coverage options.
It’s important to note that customer experiences may vary depending on factors such as location, plan type, and individual circumstances.
Customers should carefully research and compare health insurance options before choosing a plan and should consult with the company directly if they have any questions or concerns.
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Frequently Asked Questions
What is Empire Blue Cross Blue Shield?
Empire Blue Cross Blue Shield is one of the leading health insurance providers in the United States, offering a wide range of health insurance products and services, including individual and family plans, Medicare, and group plans.
What is the rating for Empire Blue Cross Blue Shield Insurance?
The Empire Blue Cross Blue Shield Insurance A.M. Best rating is A, and the Empire Blue Cross Blue Shield Insurance S&P Rating is A+.
What discounts are available at Empire Blue Cross Blue Shield?
Empire Blue Cross Blue Shield offers several discounts to their customers, such as healthy lifestyle and wellness program discounts, student discounts, and military discounts. Customers can contact Empire Blue Cross Blue Shield’s customer service department or visit their website to find out more about these discounts and how to qualify for them.
What states offer Empire Blue Cross Blue Shield Insurance?
Empire Blue Cross Blue Shield is available in 10 states, mainly in the Northeastern region of the United States. The states where Empire Blue Cross Blue Shield offers its health insurance plans are: Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, New Hampshire, New York, Ohio, and Virginia.
What are the coverage options at Empire Blue Cross Blue Shield?
Empire Blue Cross Blue Shield offers a variety of health insurance products and services to individuals, families, and employers, including HMOs, PPOs, EPOs, and POS plans, dental and vision plans, and Medicare Advantage plans.
What are the customer reviews for Empire Blue Cross Blue Shield Insurance?
Empire Blue Cross Blue Shield has received mixed reviews from customers. While some customers have praised the company’s customer service and wide network of healthcare providers, others have criticized the company’s high premiums and limited coverage options.
How can customers find out more about Empire Blue Cross Blue Shield Insurance?
Customers can contact Empire Blue Cross Blue Shield’s customer service department or visit their website to learn more about their health insurance products and services, discounts, coverage options, and customer reviews. It is important to carefully research and compare health insurance options before choosing a plan and to consult with the company directly if there are any questions or concerns.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.