Blue Cross Blue Shield vs. CareSource Insurance

Which health insurance company is the best option for you and your family? Compare Blue Cross Blue Shield and CareSource side by side.

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Blue Cross Blue Shield vs. CareSource: What You Need to Know

Blue Cross was formed in 1929 as a partnership between Baylor University Hospital and its patients who were struggling financially. The administrators of the hospital wanted to make healthcare more affordable for some patients, many of whom were Dallas public school educators on restricted budgets. The initial payment plan set up by Baylor University Hospital consisted of a 50-cent prepay each month for up to 21 days of hospitalization per year. The success of the program lead to enrollment by employees in other professions across Dallas.

In 1989, CareSource was founded on the premise of providing quality health care coverage for Medicaid consumers. Today it offers one of the nation’s largest Medicaid managed care plans. CareSource also offers private health insurance plans on the Health Insurance Marketplace, including Medicare Advantage and MyCare Ohio plans. CareSource has more than 1.9 million members across five states. The company employs about 3,800 people and is considered a nonprofit organization.

To learn more about each company, you can check out the Blue Cross Blue Shield Overview and CareSource Overview.

What is Blue Cross Blue Shield and CareSource Insurance Rating?

Which health insurance company is better? We've made it easy to compare companies side by side. See how Blue Cross Blue Shield and CareSource ranked among the industry ratings.

ComparisonBlue Cross Blue ShieldCareSource
Year Founded19291989
Medicare Star Rating2.5 stars (out of 5)
BBB RatingA-A+
NAIC Complaint Index7.17%
Market Share Percentage14.1%
Financial StrengthExcellent
A.M. Best RatingA
S&P RatingA+

Pros & Cons of Blue Cross Blue Shield or CareSource

Pros

Blue Cross Blue Shield
  • Blue Cross Blue Shield is financially strong and stable
  • As a subsidiary of Anthem Inc. BCBS is one of the most prominent health insurers.
  • Blue Cross Blue Shield offers global coverage and a global coverage app on itunes and GooglePlay.
  • BCBS is available in 50 states and is accepted by 90% of doctors and specialists.
CareSource
  • CareSource is one of a few options that lower-income, underserved communities have for a managed health plan.
  • Affordable marketplace plans with different tiers of coverage.

Cons

Blue Cross Blue Shield
  • Blue Shields prices are slightly higher than the average.
CareSource
  • CareSource has a high number of complaints.

Blue Cross Blue Shield and CareSource Mobile Apps Options

Each state has its own Blue Cross Blue Shield app on iTunes and GooglePlay. The app allows users to find doctors, hospitals, and pharmacies, view claims, pay bill, and manage prescriptions.

The CareSource app allows you to view your digial ID Card, find a doctor, file claims, make payments and more.

Blue Cross Blue Shield Mobile App
Blue Cross Blue Shield mobile app varies by State.
CareSource Mobile App
iOS
     4/51K users
Android
     3.3/5397 users

Blue Cross Blue Shield and CareSource Enrollment Process

Blue Cross Blue Shield

Blue Cross Blue Shield is available through participating employers for group insurance. You can also buy an individual or family plan directly from Blue Cross Blue Shield, the health insurance marketplace or you can get several free quotes here.

You can also contact 888.630.2583 to learn more about Blue Cross Blue Shield options for individuals and families or find a local BCBS company by visiting here.

CareSource

CareSource is available through the health insurance marketplace by searching plans here or you can get several free health insurance quotes here

Each state has their own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. Also, remember that CareSource only covers Ohio, Kentucky, Indiana Georgia and West Virginia.

How to File a Claim with Blue Cross Blue Shield and CareSource Insurance

Blue Cross Blue Shield

If you use a network doctor or hospital, your claims will be submitted by that provider. If you see an out-of-network provider, you need to submit the claim yourself. You must submit a completed claim form or alternative documentation via fax or mailing address. As an alternative to sending a claim form, supply a description of services, a bill of charges from the provider and any medical documents you received from your provider.

For medical and/or dental services in the U.S. Puerto Rico or the U.S Virgin islands, Use these claim forms. For anywhere else or on a cruise ship outside the U.S. use the Blue Cross Blue Shield Global Core international claim forms. For prescriptions inside or outside the U.S. or U.S. territories: Use these claim forms.

CareSource

CareSource accepts claims in various formats, including paper and electronic claims. Reimbursement is based on the prevailing state Medicaid or Medicare fee schedule. With Marketplace Plans, you can make claims inquiries at (866) 286-9949 (Indiana), (855) 852-5558 (Kentucky), (937) 224-3300 (Ohio), (678) 214 7500, (Georgia) and (855) 202-1091 (West Virginia). Visit your app or www.caresource.com to find the right claim forms for the state in which you live.

Common Questions About CareSource and Blue Cross Blue Shield Insurance

Blue Cross Blue Shield

What is Blue Cross Blue Shield Medicare?

Anthem Blue Cross and Blue Shield offers a Medicare Supplement Plan, also called “Medigap” which pays for out-of-pocket expenses you’ll have with Original Medicare. Blue Cross Blue Shield also offers Medicare Advantage, also known as Medicare Part C. This is Medicare coverage through private health insurance companies approved to participate in the Medicare program.

Does Blue Cross have good supplemental insurance reviews?

Anthem Blue Cross and Blue Shield has an award-winning Medigap plan.

How to replace the Blue Cross member ID card:

If your Blue Cross ID card is lost or damaged, you can get a replacement ID card by logging into your Blue Cross Account. After signing in, go to the right-hand column and select “order new cards.”

What is the BlueCard® program?

BlueCard® is a national program that allows Blue Cross Blue Shield Plan members to get health care services while traveling or living in another Blue Plan’s service area.

CareSource

What type of insurance is CareSource?

CareSource’s focus is the underserved population. Most of their health plans have an income cap.

Is CareSource a HealthCare Government plan?

CareSource does offer government-subsidized plans and plans on the marketplace.

How do I know if I qualify for CareSource?

If you qualify for Medicare or Medicaid, you are eligible for CareSource. Your savings on their marketplace plans are also based on total household income. Government plans require that all incomes in the household be taken into consideration unless the person is not required to file federal taxes.

What states does CareSource cover?

CareSource covers Ohio, Kentucky, Indiana Georgia, and West Virginia.

Blue Cross Blue Shield and CareSource Insurance Contact Info

Blue Cross Blue Shield Contact Info
Address225 North Michigan Ave, Chicago, IL 60601
Phone1 (888) 630 - 2583
Websitehttps://www.bcbs.com/
Facebookhttps://www.facebook.com/AnthemBlueCrossBlueShield/
Youtubehttps://www.youtube.com/user/bluecrossblueshield
Twitterhttps://twitter.com/BCBSAssociation
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-association/
CareSource Contact Info
Address230 N. Main St., Dayton, OH 45402
Phone1 (937) 224-3300
Websitehttps://www.caresource.com/
Facebookhttps://www.facebook.com/CareSource/
Youtubehttps://www.youtube.com/watch?v=GU8XjYqtJ-0
Twitterhttps://twitter.com/caresource
Linkedinhttps://www.linkedin.com/company/caresource/

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