Premera Blue Cross Insurance Review & Ratings (2023)

Premera Blue Cross insurance is a reputable health insurance company that has been operating for over 80 years. The company is dedicated to providing quality healthcare services to its clients while making healthcare more affordable. Their products and services are available in several states across the United States.

Customers can qualify for different discounts based on various criteria. Based on customer reviews, the company’s strengths include excellent customer service, a wide range of products and services, and affordable pricing. Weaknesses include limited coverage in some areas.

Interesting Attributes of Premera Blue Cross Insurance:

• Over 80 years of experience in the healthcare industry.
• A wide range of health insurance products and services.
• Affordable pricing for their products and services.

Health insurance is a crucial aspect of our lives, and choosing the right insurance provider can be a daunting task. Premera Blue Cross insurance is one of the leading health insurance companies in the United States, offering quality healthcare services to its clients.

The company has been operating for over 80 years and has established itself as a trusted name in the healthcare industry. In this review, we’ll take a closer look at Premera Blue Cross insurance, including its history and mission, products and services, cost, states of operation, discounts, customer reviews, strengths, and weaknesses.

Premera Blue Cross Insurance History and Mission

Premera Blue Cross insurance was founded in 1933 as a nonprofit health insurance company. The company’s headquarters is located in Mountlake Terrace, Washington, and it operates in several states, including Alaska, Washington, Oregon, and Montana.

Over the years, Premera Blue Cross insurance has established itself as a trusted name in the healthcare industry, providing quality healthcare services to its clients. The company’s mission is to improve customers’ health by making healthcare more accessible and affordable.

Premera Blue Cross insurance is committed to providing its customers with quality healthcare services while keeping costs down. The company’s core values are customer focus, accountability, innovation, and teamwork. Premera Blue Cross insurance is dedicated to helping its customers achieve and maintain good health by providing a wide range of health insurance products and services.

The company’s focus on innovation allows it to offer new and improved healthcare solutions to its customers. Additionally, Premera Blue Cross insurance is committed to working closely with its customers to ensure that they receive the care they need when they need it.

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Types of Insurance Offered by Premera Blue Cross

Premera Blue Cross insurance offers a wide range of health insurance products and services to meet the needs of individuals, families, and businesses. Here are some of the main types of insurance offered by Premera Blue Cross:

• Individual and family health insurance: Premera Blue Cross offers individual and family health insurance plans that cover a range of healthcare services, including doctor visits, hospital stays, and prescription drugs. These plans come in different levels of coverage and cost, allowing customers to choose a plan that meets their needs and budget.
• Medicare advantage: Premera Blue Cross offers Medicare Advantage plans, which provide all the benefits of Original Medicare, plus additional benefits such as prescription drug coverage, vision, and dental benefits. These plans may have lower out-of-pocket costs than Original Medicare.
• Dental insurance: Premera Blue Cross offers dental insurance plans that cover preventive care, basic services like fillings and extractions, and major services like root canals and crowns.
• Vision insurance: Premera Blue Cross offers vision insurance plans that cover routine eye exams, glasses, and contacts. These plans may also cover the cost of vision correction surgery.
• Life and disability insurance: Premera Blue Cross offers life and disability insurance plans to help protect customers and their families in the event of an unexpected illness, injury, or death.

The Cost of Coverage With Premera Blue Cross Insurance

The cost of coverage with Premera Blue Cross insurance varies depending on several factors, including the level of coverage, deductibles, copayments, and other factors. Here are some examples of the cost of coverage for some of the plans offered by Premera Blue Cross:

• Individual and family health insurance: Premera Blue Cross offers individual and family health insurance plans at different levels of coverage, including bronze, silver, gold, and platinum. The cost of these plans varies depending on the level of coverage and the state in which you live.
• Medicare advantage: Premera Blue Cross offers Medicare Advantage plans at different levels of coverage, including HMO and PPO plans. The cost of these plans varies depending on the level of coverage and the state in which you live.
• Dental insurance: Premera Blue Cross offers dental insurance plans at different levels of coverage, including basic, enhanced, and comprehensive plans. The cost of these plans varies depending on the level of coverage and the state in which you live.
• Vision insurance: Premera Blue Cross offers vision insurance plans at different levels of coverage, including basic and enhanced plans. The cost of these plans varies depending on the level of coverage and the state in which you live.
• Life and disability insurance: Premera Blue Cross offers life and disability insurance plans at different levels of coverage. The cost of these plans varies depending on the level of coverage, the amount of coverage, and the state in which you live.

Areas Where Premera Blue Cross Insurance is Offered

Premera Blue Cross insurance is offered in several states across the United States. The states where Premera Blue Cross insurance is offered include:

• Washington
• Alaska
• Oregon

In these states, Premera Blue Cross offers a range of health insurance plans, including individual and family health insurance, Medicare Advantage plans, and employer-sponsored health insurance plans. They also offer dental and vision insurance plans, life and disability insurance, and other insurance products.

Here are the eight steps to find the states where Premera Blue Cross insurance is provided:

1. Visit the Premera Blue Cross website.
2. Click on the “Find a Plan” button on the homepage.
3. Select the type of insurance you’re interested in from the drop-down menu. For example, if you’re looking for health insurance, select “Health Plans.”
4. Enter your ZIP code in the search box and click “Find Plans.”
5. A list of available plans will appear. You can filter the plans by type of plan, deductible, monthly premium, and other options.
6. Select a plan that meets your needs and click on it for more information.
7. Scroll down to the “Details” section and look for the information about the state where the plan is offered. This information should be listed near the top of the section.
8. If you’re interested in another type of insurance, such as dental or vision insurance, repeat the above steps and select the appropriate type of insurance from the drop-down menu.

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Discounts Available From Premera Blue Cross Insurance

Premera Blue Cross insurance offers various discounts to help customers save money on their insurance premiums. Here are some of the discounts available from Premera Blue Cross:

• Multi-plan discount: Premera Blue Cross offers a discount when you have more than one insurance plan with them. For example, if you have both health and dental insurance plans with Premera Blue Cross, you may be eligible for a discount on your premiums.
• Healthy living discount: Premera Blue Cross offers a healthy living discount to encourage healthy behaviors and lifestyles. This discount may be available if you participate in certain wellness programs, such as a smoking cessation program or a weight loss program.
• Age-based discounts: Premera Blue Cross offers discounts to customers who are over a certain age. For example, they may offer a discount to customers who are over 50 years old.
• Student discounts: Premera Blue Cross offers discounts to students who are enrolled in college or university. These discounts may be available to students who are enrolled full-time and who meet certain eligibility requirements.
• Employer-sponsored discounts: Premera Blue Cross offers discounts to customers who are enrolled in an employer-sponsored health insurance plan. These discounts may be available to employees of certain companies or organizations.

Customer Reviews of Premera Blue Cross Insurance

Customer reviews of Premera Blue Cross insurance are mixed, with some customers reporting positive experiences and others reporting negative experiences. Here are some of the strengths and weaknesses reported by customers:

Strengths:

• Good coverage: Many customers report that Premera Blue Cross insurance provides good coverage and access to a wide network of healthcare providers.
• Competitive prices: Some customers report that Premera Blue Cross insurance offers competitive prices and good value for the coverage provided.
• Customer service: Some customers report positive experiences with Premera Blue Cross customer service, stating that representatives are knowledgeable and helpful.

Weaknesses:

• Billing and claims issues: Some customers report issues with billing and claims processing, including delays in processing claims and incorrect billing.
• Limited coverage in some areas: Some customers report that Premera Blue Cross insurance has limited coverage in certain areas, making it difficult to find in-network providers.
• Difficulty with pre-authorization: Some customers report difficulty getting pre-authorization for certain medical procedures, which can lead to delays in treatment and frustration.

Roundup: Premera Blue Cross Insurance

Premera Blue Cross Insurance is a leading insurance provider that offers a range of health insurance plans to individuals, families, and businesses. The company has a long history of providing quality healthcare coverage to customers and has a strong mission to improve the health and well-being of its members.

Premera Blue Cross insurance offers a variety of plans that cater to different healthcare needs, including HMOs, PPOs, and high-deductible health plans. The cost of coverage varies depending on the type of plan and the coverage provided, but many customers report that Premera Blue Cross insurance offers competitive prices and good value for the coverage provided.

Premera Blue Cross insurance is available in several states across the United States, including Washington, Oregon, and Alaska. The company also offers a range of discounts to customers, including discounts for healthy living and for enrolling in automatic payments.

Customer reviews of Premera Blue Cross insurance are mixed, with some customers reporting positive experiences and others reporting negative experiences. While the company has a reputation for providing good coverage and customer service, some customers report issues with billing and claims processing and limited coverage in certain areas.