Empire Blue Cross Blue Shield Insurance Review & Ratings (2023)
This Empire Blue Cross Blue Shield Insurance Review will cover Empire Blue Cross Blue Shield Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. 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+. To compare insurance rates from the best companies in your area, enter your ZIP code below.
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Written by
Chris Tepedino |
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Reviewed by
Laura Walker
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UPDATED: Feb 20, 2023
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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.
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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.
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.
Coverage Options: Empire Blue Cross Blue Shield Insurance
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.
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Discounts Offered at Empire Blue Cross Blue Shield
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.
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.
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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Roundup: Empire Blue Cross Blue Shield Insurance
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.