Which insurance is better - United or Blue Cross/Blue Shield?

Question

Both are the same in terms of in-network services except that United only pays for 90% of hospital care and BC/BS pays 100%. However, my main concern is customer service and also the network of doctors. Any input would be appreciated. Thanks!

Answer 1

I prefer Blue Cross/Blue Shield.  It is easy to understand what your PPO listings are, and what is paid by BC/BS and they even show what part you should pay too.

Answer 2

I think Blue Cross/Blue Shield has the best network and customer service. I call insurance carriers all day and Blue Cross/Blue Shield always answers me the fastest. Also, most doctors take them.

Answer 3

I never had a problem with United - they covered EVERYTHING. A doctor friend of mine said they don't like them cause they don't pay well...Humana sucks. No advice on Blue Cross (yet) - our new provider...