Reputation grade
C
Peer-relative, A–F
Insurer profile · NAIC + CMS
Blue Cross Blue Shield of Illinois
Blue Cross Blue Shield of Illinois's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 21.1%
- Claims denied
- 1
- States (CMS data)
The verdict
Blue Cross Blue Shield of Illinois earns a C reputation grade - a record near the industry median, according to CMS Transparency in Coverage filings, 21.1% of its marketplace claims were denied across 1 state.
- C
- reputation grade
- 21.1%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
21.1%
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 →These claim figures are from plan year 2025, not 2026. Blue Cross Blue Shield of Illinois does not appear in the CMS Transparency in Coverage file for plan year 2026, so the most recent figures CMS has published for this insurer are the ones shown here. Illinois carriers left that file when the state moved to its own health-insurance marketplace for 2026; other insurers stop appearing when they exit the individual marketplace. The numbers below are unchanged and still describe the period they cover. They are simply not current-year, and are excluded from every national and state average on this site. See our methodology.
CMS marketplace filing
Reported appeal outcomes for Blue Cross Blue Shield of Illinois
2,232
appeals filed
694
overturned (reported outcomes)
31.1%
of appeals with a reported outcome
The reported appeals on this profile come from Illinois (2,232 filed, 694 overturned).
CMS reports an overturn outcome for 2,232 of these 2,232 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 Blue Shield of Illinois
Blue Cross Blue Shield of Illinois carries a C reputation grade in PlainInsurer's dataset, with a composite score of 49.2 (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 Blue Shield of Illinois denied 21.1% of marketplace claims across 1 reporting state - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where Blue Cross Blue Shield of Illinois 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 (PY2025), 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 Blue Shield of Illinois's 49.2 belongs to Ambetter of North Carolina Inc. (49.7), 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 Blue Shield of Illinois
Carriers with the nearest overall composite score (49.2)
| Insurer | Composite score |
|---|---|
| Ambetter of North Carolina Inc. | 49.7 |
| CareSource Indiana, Inc. | 48.6 |
| Cigna HealthCare of North Carolina, Inc. | 50.3 |
| Cigna HealthCare of Arizona, Inc | 48.1 |
| Molina Healthcare | 50.4 |
Questions about Blue Cross Blue Shield of Illinois
What does Blue Cross Blue Shield of Illinois's grade mean?
Blue Cross Blue Shield of Illinois received a grade of C, indicating a record near the industry median.
How many complaints does Blue Cross Blue Shield of Illinois have?
NAIC's public bulk data does not include a complaint-volume estimate for Blue Cross Blue Shield of Illinois - 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 Blue Shield of Illinois?
File against Blue Cross Blue Shield of Illinois through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Blue Cross Blue Shield of Illinois a good insurance company?
PlainInsurer's C grade for Blue Cross Blue Shield of Illinois reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does Blue Cross Blue Shield of Illinois offer?
Detailed line-of-business data isn't currently available for Blue Cross Blue Shield of Illinois. The carrier is licensed in 0 states.
Source: NAIC published complaint index + CMS Transparency in Coverage PY2025 Complaint index, reputation grade and per-state claim denial rates for Blue Cross Blue Shield of Illinois · 2024
Share, download, and related pages for Blue Cross Blue Shield of Illinois
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Blue Cross Blue Shield of Illinois, 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 PY2025. 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.