Insurer profile · CareFirst · NAIC + CMS

CareFirst BCBS

CareFirst BCBS's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

D
Reputation grade
1.43
Complaint index
3
States active

The verdict

CareFirst BCBS earns a D reputation grade - a worse-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 1.43, above the 1.0 market average.

D
reputation grade
1.43
NAIC complaint index
DDD
Reputation grade D (composite score 42.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. 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 →

NAIC CIS filing desk

NAIC 10704 D · 42.8

GRADE-D · INDEX-ELEV · DENIAL-NONE · RANK-LOWER · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-D D · 42.8
  • INDEX-ELEV 1.43
  • DENIAL-NONE No CMS file
  • RANK-LOWER #48/72
  • PHOTO-FINISH GEICO · D
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: GEICO (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around CareFirst BCBS

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

CareFirst BCBS - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, CareFirst BCBS has a lower (better) NAIC complaint index than 31% of the 72 rated insurers it tracks and ranks #14 of 18 carriers by complaint ratio in Health Insurance (Individual).

Source NAIC published complaint index (2024) As of 2026

Where CareFirst BCBS sits on complaints

complaint index

What this shows CareFirst BCBS's complaint index of 1.43 is 43% above the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

CareFirst BCBS vs. the full rated-insurer dataset

143% 31st percentile more affordable than 31% of 72 rated insurers

CareFirst BCBS 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Health Insurance (Individual) ~608 1.43 3

Health insurance market share

National ranking by direct written premiums, NAIC 2024

#20
Market share
0.67%
Direct written premiums
$11,265.6M
See the full market-share ranking →

What the NAIC filing desk shows for CareFirst BCBS

According to PlainInsurer's dataset, CareFirst BCBS has a lower (better) NAIC complaint index than 31% of the 72 rated insurers it tracks and ranks #14 of 18 carriers by complaint ratio in Health Insurance (Individual).

CareFirst BCBS is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place CareFirst BCBS.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for CareFirst BCBS: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (42.8 here). Floored at 50+ complaints and 5+ states.

GEICO 42.8 Liberty Mutual Homeowners 42.8 Centene Corporation (WellCare) 44.4 Oscar Health 40.3

Similar complaint volume

Nearest carriers by NAIC complaint count (608 here). Deduped against the score peers so the two sets stay distinct.

Kaiser Permanente 458 complaints Erie Insurance 814 complaints Erie Homeowners 853 complaints Northwestern Mutual Life 1,431 complaints
Aggregates only, not advice. Full terms on the disclaimer.

Questions about CareFirst BCBS

What does CareFirst BCBS's grade mean?
CareFirst BCBS received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does CareFirst BCBS have?
PlainInsurer estimates CareFirst BCBS's complaint volume at roughly 608 across 3 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against CareFirst BCBS?
File against CareFirst BCBS through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is CareFirst BCBS a good insurance company?
PlainInsurer's D grade for CareFirst BCBS reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does CareFirst BCBS offer?
Based on NAIC filing data, CareFirst BCBS reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.

Verify CareFirst BCBS

CareFirst BCBS is filed with the NAIC under company number 10704. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for CareFirst BCBS · 2024

Share, download, and related pages for CareFirst BCBS

Download the data behind this page

The full PlainInsurer extract, covering every insurer including CareFirst BCBS, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

Complaint-index dataset Download CSV Download JSON Read the data documentation
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Data: NAIC published complaint index (2024). 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.