Reputation grade
D
Peer-relative, A–F
Insurer profile · NAIC + CMS
BlueCross BlueShield of Tennessee
BlueCross BlueShield of Tennessee's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 26.8%
- Claims denied
- 1
- States (CMS data)
The verdict
BlueCross BlueShield of Tennessee earns a D reputation grade - a worse-than-average record versus peers, according to CMS Transparency in Coverage filings, 26.8% of its marketplace claims were denied across 1 state.
- D
- reputation grade
- 26.8%
- claims denied (CMS)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
26.8%
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 BlueCross BlueShield of Tennessee
587
appeals filed
264
overturned (reported outcomes)
45.0%
of appeals with a reported outcome
The reported appeals on this profile come from Tennessee (587 filed, 264 overturned).
CMS reports an overturn outcome for 587 of these 587 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 BlueCross BlueShield of Tennessee
BlueCross BlueShield of Tennessee carries a D reputation grade in PlainInsurer's dataset, with a composite score of 26.5 (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 BlueCross BlueShield of Tennessee denied 26.8% of marketplace claims across 1 reporting state - an elevated rate that warrants checking the plan's appeal-success record before enrolling.
See where BlueCross BlueShield of Tennessee 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 D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to BlueCross BlueShield of Tennessee's 26.5 belongs to Medica Insurance Company (27.0), each rescaled across the measures that carrier reports.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Insurance | D |
Closest composite score to BlueCross BlueShield of Tennessee
Carriers with the nearest overall composite score (26.5)
| Insurer | Composite score |
|---|---|
| Medica Insurance Company | 27.0 |
| UnitedHealthcare of Mississippi, Inc. | 25.9 |
| Hawaii Medical Service Association | 25.4 |
| Molina Healthcare of Michigan, Inc. | 27.6 |
Questions about BlueCross BlueShield of Tennessee
What does BlueCross BlueShield of Tennessee's grade mean?
BlueCross BlueShield of Tennessee received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does BlueCross BlueShield of Tennessee have?
NAIC's public bulk data does not include a complaint-volume estimate for BlueCross BlueShield of Tennessee - 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 BlueCross BlueShield of Tennessee?
File against BlueCross BlueShield of Tennessee through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is BlueCross BlueShield of Tennessee a good insurance company?
PlainInsurer's D grade for BlueCross BlueShield of Tennessee reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does BlueCross BlueShield of Tennessee offer?
Detailed line-of-business data isn't currently available for BlueCross BlueShield of Tennessee. 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 BlueCross BlueShield of Tennessee · 2024
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The full PlainInsurer extract, covering every insurer including BlueCross BlueShield of Tennessee, 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.