Molina vs. HCSC Insurance

Which health insurance company is the best option for you and your family? Compare Molina and HCSC side by side.

Compare Health Insurance Rates in Your Area

Molina vs. HCSC: What You Need to Know

Molina Healthcare was founded in 1980 by C. David Molina, an emergency room physician in Long Beach, CA. After seeing that patients were being turned away because the hospital would not accept Medi-Cal, he established his first primary care clinic in Wilmington, California in 1980. His goal was to treat the lowest-income patients. For 20 years, his son and fellow physician, J. Mario Molina, ran the company while he served as president and CEO. His younger son, John, was the CFO of Molina Healthcare. The two sons took over the company after their father’s death in 1996.

Health Care Service Corporation began with the first hospital care prepayment plan which was developed by Justin Ford Kimball, a vice president at the Baylor University School of Medicine in Texas. He as well as health care professionals and officials met during the Great Depression to solve the problem of affordable health care. In 1936, they launched the Chicago Plan for Hospital Care by pooling their resources, creating the first insurance policy effective January 21, 1937. The company grew quickly, enrolling 36,000 members in its first six months. It adopted the Blue Cross symbol in 1939 and the Blue Shield symbol in 1947.

To learn more about each company, you can check out the Molina Overview and HCSC Overview.

What is Molina and HCSC Insurance Rating?

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

ComparisonMolinaHCSC
Year Founded19801929
Medicare Star Rating3.5 stars (out of 5)3 stars (out of 5)
BBB RatingFA+
NAIC Complaint Index0.40% for individual health

Pros & Cons of Molina or HCSC

Pros

Molina
  • Affordable coverage for underserved communities, like Medicaid and Medicare recipients.
  • Affordable marketplace plans for people who do not qualify for Medicaid or Medicare.
  • Popular mobile app makes it easy to stay on top of your account.
HCSC
  • Affordable marketplace plans with different tiers of coverage.

Cons

Molina
  • Molina Healthcare only offers Medicaid plans in California, Florida, Illinois, Michigan, New Mexico, New York, Ohio, Puerto Rico, South Carolina, Texas, Utah, Washington, and Wisconsin.
HCSC
  • HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.

Molina and HCSC Mobile Apps Options

The Molina app allows users to find doctors, hospitals, and pharmacies, view claims, and pay your bill.

Each state has its own HCSC / 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.

Molina Mobile App
iOS     4.61.6K users
Android     2.9351 users
HCSC Mobile App
HCSC mobile app varies by State.

Molina and HCSC Enrollment Process

Molina

Molina offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/.

HCSC

HCSC offers plans through the health insurance marketplace. You can begin searching plans here or you can get several free health insurance quotes with SmartFinancial.

Each state has its own marketplace. If you’re not sure where to begin, visit https://www.healthcare.gov/. Remember that HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma, and Texas.

How to File a Claim with Molina and HCSC Insurance

Molina

To submit claims for reimbursement, contact member services at 1-888-898-7969. You can only inquire about 3 or fewer claims per call. You can also submit claim to: Molina Healthcare, P.O. Box 22668, Long Beach, CA 90801. You must make timely submissions of your claims or else you may forfeit your right to payment. For filing limits and instructions about electronic claims submissions with Molina Healthcare visit here.

HCSC

To submit electronic claims, you or your billing agent need to use a third-party claims clearinghouse vendor, like Availity. For paper claims, you need to complete the right claim forms.

Common Questions About HCSC and Molina Insurance

Molina

Does Walgreens accept Molina’s insurance?

As of January 1, 2017, Molina’s Medicaid pharmacy network no longer accepts Walgreens. Molina Medicare members, however, may continue using Walgreens. Walgreens does not participate in the Molina Marketplace pharmacy network.

Which dentists take Molina insurance?

Molina Healthcare covers dental services including oral surgery, x-rays, sealants, fillings, crowns (caps), root canals, dentures, and extractions. It also covers a dental exam and one cleaning every six months. To find a provider, visit here, and at the top of the page pick your state. At the bottom of the page, you’ll be directed to an online provider directory.

How to renew Molina Healthcare?

You need to renew your Medicaid eligibility and your child’s Medicaid eligibility with your local County Department of Social Services every 12 months. This is called Medicaid Redetermination. Your Medicaid does not automatically renew. If you miss the deadline you may lose benefits for a whole year. You can renew either by phone using the Medicaid Renewal Hotline in your state or your local County Department of Social Services (each state has a different name for this).

What is Molina’s healthcare coverage?

Molina Healthcare is a managed care company headquartered in Long Beach, Ca. The company provides health insurance to lower-income people through government programs like Medicaid and Medicare as well as the State Children’s Health Insurance Program (SCHIP) also called CHIP in some states.

Check out our full list of common questions about Molina.

HCSC

What is the difference between HCSC and BCBS?

BCBS stands for Blue Cross Blue Shield, which is a federation of 36 separate health insurance companies. It was formed in 1982. Blue Cross (hospital services) and Blue Shield (physician services) operated separately until 1975 when they became one as Health Care Service (HCSC) Corporation. HCSC is an independent licensee of the Blue Cross and Blue Shield Association.

What are some HCSC subsidiaries?

Dearborn Group, Dental Network of America, Inc (DNoA), Medecision, Inc., Availity, LLC, Prime Therapeutics, LLC and TriWest Healthcare Alliance.

Is HCSC a publicly-traded company?

HCSC is a mutual insurance company, which means that it is customer-owned.

What states does the HCSC insurance cover?

HCSC only operates in 5 states: Illinois, Montana, New Mexico, Oklahoma and Texas.

Check out our full list of common questions about HCSC.

Molina and HCSC Insurance Contact Info

Molina Contact Info
Address200 Oceangate, Suite 100, Long Beach, CA 90802
Phone1 (562) 435-3666
Websitehttps://www.molinahealthcare.com/
Facebookhttps://www.facebook.com/groups/Molinaheathcare/
Youtubehttps://www.youtube.com/user/MolinaHealthcare
Twitterhttps://twitter.com/molinahealth
Linkedinhttps://www.linkedin.com/company/molina-healthcare/
HCSC Contact Info
Address300 E. Randolph St. Chicago, IL 60601
Phone1 (800) 654-7385
Websitehttps://www.hcsc.com/
Facebookhttps://www.facebook.com/healthcareservicecorporation/
Youtubehttps://www.youtube.com/user/HealthCareService
Twitterhttps://twitter.com/HCSC
Linkedinhttps://www.linkedin.com/company/blue-cross-and-blue-shield-of-illinois-new-mexico-oklahoma-&-texas/life/4548c167-e254-4ffd-a356-7892967212c3/

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.