What Does Blue Cross Blue Shield cover? (All You Need to Know)

what does blue cross blue shield cover

Do you know what Blue Cross Blue Shield covers? Well, you are at the perfect place to find the answer to such a question.

Are you wondering what your Blue Cross Blue Shield insurance covers? Or are you looking to sign up for new coverage through a new company? We have the scoop on what Blue Cross Blue Shield covers!

Blue Cross Blue Shield provides personalized healthcare across the nation, based on the needs of those living in the community. They provide medical, dental, and vision to those that qualify, but each state has their own amount of coverage for each category, so you need to apply at your local office. Children are provided excellent medical and full dental coverage on most BCBS plans until they turn 21.

The following article dives into all you need to know about signing up for Blue Cross Blue Shield Health Insurance.

Is Blue Cross Blue Shield available everywhere?

Yes, in every zip code across America individuals can sign up for Blue Cross Blue Shield coverage. This is one of the promises that this company strives to provide to its members.

However, each state has its own type and amount of coverage that they feel is right for their communities.

The coverage is usually then managed by the individual counties in that state.

How large is Blue Cross Blue Shield?

Starting in 1929, the Blue Cross Blue Shield Association now manages 34 independent and locally operated Blue Cross Blue Shield companies that provide medical coverage in more than 170 countries across the globe.

They provide a network of over 1.7 million doctors and hospitals that covers 114.5 million members in the United States and Puerto Rico.

How do you get coverage from Blue Cross Blue shield?

You will need to apply through your local Blue Cross Blue Shield or the one registered for your state.

From there you will need to enter personal information, including your Social Security Number and your income information.

Your monthly premiums will be determined using the information provided, and your coverage will begin once you pick a plan that is suitable for you and your family.

Read also >> Does Costco Accept Medicare for Eyeglasses? (Medicaid – The Truth!)

Read also >> Does Quest Diagnostics Accept Medicare? (The Truth!)

Can I get a discount on my monthly premiums for Blue Cross Blue Shield?

Blue Cross Blue Shield is dedicated to helping everyone afford access to good healthcare.

They work with the individual states and the federal government to offer programs that allow those with income up to 133% of the federal poverty level gain access to affordable healthcare.

These programs will give individuals and children the opportunity to pay little to nothing for monthly premiums, with very low deductible rates.

What are the benefits of getting insurance through Blue Cross Blue Shield?

The Blue Care Network is very large and allows for those with their coverage to get access to healthcare across the country through a team of highly trained professionals that handle each individual case with privacy and respect.

Not only do they offer health, dental, and vision plans, but Blue Cross Blue Shield also gives you access to transportation services and a 24-hour Nurse Help line.

What other services does Blue Cross Blue Shield offer?

There are many services that this insurance company will offer its customers, including the following:

  • Family planning and contraceptives
  • Pregnancy and childbirth
  • Prescription drugs
  • Inpatient and outpatient care
  • Chiropractic
  • Mental Health
  • Specialty doctors by referral
  • Emergency Dental Services
  • Annual Dental exams and cleaning
  • Hearing specialist by referral
  • Annual Wellness Exams
  • Preventative Screenings
  • Vision Exams and Glasses

Read also >> Does Walmart Accept Medicare for Eyeglasses? (Medicaid – The Truth!)

Read also >> Does Kaiser Accept Medicare? (Plans Offer + More)

Does Blue Shield Blue Cross have good customer reviews?

In 2022, Blue Cross Blue Shield earned the J.D. Power Award for the Highest Member Satisfaction for the second time in only three years.

This award was specifically referring to the commercial health plans in Michigan, but there are many other awards across several states that indicate there is a high amount of customer satisfaction.

Does Blue Cross Blue Shield provide international coverage?

Yes! Blue Cross Blue Shield Global is for those individuals that work and travel across the world.

It is an international plan that provides coverage to employers, non-profits, universities, and individuals whenever and wherever they are, which gives them the confidence to relax knowing that they will be covered if anything happens while they are away from home.

What is the difference between Blue Shield and Blue Cross?

Technically developed separately, Blue Cross focuses on hospital services while Blue Shield focuses on doctor services.

The term Blue Cross refers to an association of companies that provide health insurance plans through Blue Cross Blue Shield networks all over the United States.

What will happen if I go to the hospital without insurance?

If you go to the hospital for emergency services without being covered by insurance, then you will be responsible and charged for the full amount of all procedures.

With Blue Cross Blue Shield, you would be covered for emergency hospital visits and most of the bill would be paid by the insurance company.

Depending on the plan you choose, you may or may not end up paying a small deductible.

What doesn’t Blue Cross Blue Shield cover?

An insurance company will not cover all medical treatments. Most elective surgeries, including cometic, are not on the list of those that are covered.

They will also most likely not cover infertility treatments, injuries that were self-inflicted or from drug or alcohol abuse, or naturopathy treatments.


Blue Cross Blue shield covers medical, dental, and vision insurance to millions of people through their extensive network of companies that represent thousands of reputable hospitals and doctors.

Depending on which state the patient resides in will determine the type and amount of coverage available through Blue Cross Blue Shield.

They have options for international coverage and affordable plans for low-income families. Blue Cross Blue Shield covers hospital visits, annual wellness care, specialty doctors based on referrals, and much more.

The application process is easy, just apply through your state or call your local Blue Cross Blue Shield insurance agent.

We hope we have helped you learn more about what Blue Cross Blue Shield covers!




Mike Gilmour

Hi, I'm Mike, co-founder, and editor of RV and Playa. My passion is traveling (with my RV) and enjoying the day at the beach (Playa)! Well, I originally created this blog as a way to share what I've learned by experimenting with the RV lifestyle, and I want to help others develop in life through new skills and opportunities.

Recent Posts

error: Content is protected !!