Insurer profile · Florida Blue · NAIC + CMS

Florida Blue (BCBS FL)

Florida Blue (BCBS FL)'s complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

C
Reputation grade
1.22
Complaint index
1
States active

The verdict

Florida Blue (BCBS FL) earns a C reputation grade - a record near the industry median, according to the NAIC's published complaint index, its ratio runs 1.22, above the 1.0 market average.

C
reputation grade
1.22
NAIC complaint index
CCC
Reputation grade C (composite score 63.5) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 2 of 3 measures: NAIC complaints, prior authorisation. 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 47379 C · 63.5

GRADE-C · INDEX-ELEV · DENIAL-NONE · RANK-MID · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-C C · 63.5
  • INDEX-ELEV 1.22
  • DENIAL-NONE No CMS file
  • RANK-MID #43/72
  • PHOTO-FINISH AIG Homeowners · C
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: AIG Homeowners (±0.01 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 Florida Blue (BCBS FL)

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

Florida Blue (BCBS FL) - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, Florida Blue (BCBS FL) has a lower (better) NAIC complaint index than 40% of the 72 rated insurers it tracks and ranks #12 of 18 carriers by complaint ratio in Health Insurance (Individual).

Source NAIC published complaint index (2024) As of 2026

Where Florida Blue (BCBS FL) sits on complaints

complaint index

What this shows Florida Blue (BCBS FL)'s complaint index of 1.22 is 22% above the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

Florida Blue (BCBS FL) vs. the full rated-insurer dataset

122% 40th percentile more affordable than 40% of 72 rated insurers

Florida Blue (BCBS FL) 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) ~202 1.22 1

What the NAIC filing desk shows for Florida Blue (BCBS FL)

According to PlainInsurer's dataset, Florida Blue (BCBS FL) has a lower (better) NAIC complaint index than 40% of the 72 rated insurers it tracks and ranks #12 of 18 carriers by complaint ratio in Health Insurance (Individual).

Florida Blue (BCBS FL) 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 Florida Blue (BCBS FL).

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Florida Blue (BCBS FL): 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 (63.5 here). Floored at 50+ complaints and 5+ states.

Travelers Property 63.6 Unum Life 62.8 MetLife 64.4 Progressive Insurance 64.4

Similar complaint volume

Nearest carriers by NAIC complaint count (202 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 Florida Blue (BCBS FL)

What does Florida Blue (BCBS FL)'s grade mean?
Florida Blue (BCBS FL) received a grade of C, indicating a record near the industry median.
How many complaints does Florida Blue (BCBS FL) have?
PlainInsurer estimates Florida Blue (BCBS FL)'s complaint volume at roughly 202 across 1 state, 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 Florida Blue (BCBS FL)?
File against Florida Blue (BCBS FL) through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Florida Blue (BCBS FL) a good insurance company?
PlainInsurer's C grade for Florida Blue (BCBS FL) reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does Florida Blue (BCBS FL) offer?
Based on NAIC filing data, Florida Blue (BCBS FL) reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.

Verify Florida Blue (BCBS FL)

Florida Blue (BCBS FL) is filed with the NAIC under company number 47379. 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 Florida Blue (BCBS FL) · 2024

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

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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.