My health insurance carrier, Blue Cross Blue Shield of NC. I have had them for a couple of years now and I have to say that overall they are an excellent insurance company to have. They, like many other insurance companies, have many different plans to choose from. I elected them through the Marketplace and they seem to have one of the cheapest plans available for those on a budget like myself. I have stuck with the same plan (name change) for the time that I have been with them. From year to year the prices for my out of pocket stay pretty consistent, actually this year it is less for me. A pro is that the prices for my out of pocket remain consistent from year to year. I really like that they have a portal for me to access all of my benefit and payment information. I know exactly how much I am paying for a specific medication and that is definitely a pro. A really great thing that they offer is a rewards program. If I include my annual exam information I instantly get a gift card of my choosing! That is awesome! They give us access to other companies like gyms and membership plans just for us being a member with them. The only thing that I don't like about the relationships they allow us to have to other companies is that I live in a rural area, outside of the big cities, and they have not yet partnered with some of the smaller guys in these rural areas. I would like for them to branch out a bit more to allow us to share in the benefits as the other members. If I have to list another con, I would say that I wish the benefits were more understandable. This is not a con just for Blue Cross Blue Shield. I have this problem with all insurance companies. I understand that they have to include a lot of information and they have to ensure they have it worded properly but the benefits need to be easier for us to understand.
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