Reputation grade
C
Peer-relative, A–F
Insurer profile · NAIC + CMS
Blue Cross and Blue Shield of NC
Blue Cross and Blue Shield of NC's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 19.0%
- Claims denied
- 1
- States (CMS data)
The verdict
Blue Cross and Blue Shield of NC earns a C reputation grade - a record near the industry median, according to CMS Transparency in Coverage filings, 19.0% of its marketplace claims were denied across 1 state.
- C
- reputation grade
- 19.0%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
19.0%
CMS, 1 states
Graded on 1 of 3 measures: claim denials. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →CMS marketplace filing
Reported appeal outcomes for Blue Cross and Blue Shield of NC
2,160
appeals filed
779
overturned (reported outcomes)
36.1%
of appeals with a reported outcome
The reported appeals on this profile come from North Carolina (2,160 filed, 779 overturned).
CMS reports an overturn outcome for 2,160 of these 2,160 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗
What the data shows for Blue Cross and Blue Shield of NC
Blue Cross and Blue Shield of NC carries a C reputation grade in PlainInsurer's dataset, with a composite score of 63.2 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show Blue Cross and Blue Shield of NC denied 19.0% of marketplace claims across 1 reporting state - a moderate rate that still varies by plan design and network.
See where Blue Cross and Blue Shield of NC sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other C-graded carriers in PlainInsurer's dataset include Liberty Mutual and Aetna (CVS Health), and the closest overall composite score to Blue Cross and Blue Shield of NC's 63.2 belongs to Medica Health Plans (63.2), each rescaled across the measures that carrier reports.
Other C-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Liberty Mutual | C |
| Aetna (CVS Health) | C |
| Allstate Property | C |
| AIG Homeowners | C |
| Allstate Insurance | C |
Closest composite score to Blue Cross and Blue Shield of NC
Carriers with the nearest overall composite score (63.2)
| Insurer | Composite score |
|---|---|
| Medica Health Plans | 63.2 |
| Florida Blue (BCBS FL) | 63.5 |
| Travelers Property | 63.6 |
| Unum Life | 62.8 |
| Oscar Insurance Company of Florida | 63.8 |
Questions about Blue Cross and Blue Shield of NC
What does Blue Cross and Blue Shield of NC's grade mean?
Blue Cross and Blue Shield of NC received a grade of C, indicating a record near the industry median.
How many complaints does Blue Cross and Blue Shield of NC have?
NAIC's public bulk data does not include a complaint-volume estimate for Blue Cross and Blue Shield of NC - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against Blue Cross and Blue Shield of NC?
File against Blue Cross and Blue Shield of NC through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Blue Cross and Blue Shield of NC a good insurance company?
PlainInsurer's C grade for Blue Cross and Blue Shield of NC reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does Blue Cross and Blue Shield of NC offer?
Detailed line-of-business data isn't currently available for Blue Cross and Blue Shield of NC. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for Blue Cross and Blue Shield of NC · 2024
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The full PlainInsurer extract, covering every insurer including Blue Cross and Blue Shield of NC, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PUF PY2026. Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.