Reputation grade
D
Peer-relative, A–F
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
NAIC complaint index
1.43
1.0 = market average; lower is better
Est. complaint volume
~608
across 3 states, index-derived
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 →Where CareFirst BCBS sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- CareFirst BCBS 1
CareFirst BCBS: complaint index 1.43
1 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 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.
CareFirst BCBS vs. the full rated-insurer dataset
143% 31st percentile more affordable than 31% of 72 rated insurers
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
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
Market share
0.67%
Direct written premiums
$11,265.6M
What the data 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, part of CareFirst, carries a D reputation grade in PlainInsurer's dataset, with a composite score of 42.8 (higher means more consumer friction relative to size). Its NAIC complaint index of 1.43 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
CareFirst BCBS does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
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.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
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 CareFirst BCBS's 42.8 belongs to Sendero Health Plans, Inc. (42.7), 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 CareFirst BCBS
Carriers with the nearest overall composite score (42.8)
| Insurer | Composite score |
|---|---|
| Sendero Health Plans, Inc. | 42.7 |
| Molina Healthcare of South Carolina, Inc | 43.2 |
| Medica Central Insurance Company | 42.2 |
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 SourceSource: 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.
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.