Reputation grade
B
Peer-relative, A–F
Insurer profile · NAIC + CMS
Independence Blue Cross
Independence Blue Cross's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- B
- Reputation grade
- 0.72
- Complaint index
- 1
- States active
The verdict
Independence Blue Cross earns a B reputation grade - a better-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 0.72, below the 1.0 market average.
- B
- reputation grade
- 0.72
- NAIC complaint index
NAIC complaint index
0.72
1.0 = market average; lower is better
Est. complaint volume
~176
across 1 states, index-derived
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 →Where Independence Blue Cross 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
- Independence Blue Cr 1
Independence Blue Cross: complaint index 0.72
1 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Independence Blue Cross's complaint index of 0.72 is 28% below the 1.0 market average for a carrier of its size.
Independence Blue Cross vs. the full rated-insurer dataset
72% Among the most affordable more affordable than 72% 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) | ~176 | 0.72 | 1 |
What the data shows for Independence Blue Cross
According to PlainInsurer's dataset, Independence Blue Cross has a lower (better) NAIC complaint index than 72% of the 72 rated insurers it tracks and ranks #3 of 18 carriers by complaint ratio in Health Insurance (Individual).
Independence Blue Cross carries a B reputation grade in PlainInsurer's dataset, with a composite score of 77.2 (higher means more consumer friction relative to size). Its NAIC complaint index of 0.72 sits below the 1.0 market average, meaning policyholders escalate fewer disputes to regulators than is typical for a carrier of its premium volume.
Independence Blue Cross 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.
Independence Blue Cross 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 B-graded carriers in PlainInsurer's dataset include UnitedHealthcare and Travelers Insurance, and the closest overall composite score to Independence Blue Cross's 77.2 belongs to Paramount Insurance Company (77.3), each rescaled across the measures that carrier reports.
Other B-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| UnitedHealthcare | B |
| Travelers Insurance | B |
| Humana Health | B |
| John Hancock Life | B |
| Openly Insurance | B |
Closest composite score to Independence Blue Cross
Carriers with the nearest overall composite score (77.2)
| Insurer | Composite score |
|---|---|
| Paramount Insurance Company | 77.3 |
| UPMC Health Plan | 77.6 |
| Erie Homeowners | 77.6 |
| Lincoln National Life | 77.6 |
| Nationwide Life | 76.8 |
Questions about Independence Blue Cross
What does Independence Blue Cross's grade mean?
Independence Blue Cross received a grade of B, indicating a better-than-average record versus peers.
How many complaints does Independence Blue Cross have?
PlainInsurer estimates Independence Blue Cross's complaint volume at roughly 176 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 Independence Blue Cross?
File against Independence Blue Cross through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Independence Blue Cross a good insurance company?
PlainInsurer's B grade for Independence Blue Cross reflects a better-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Independence Blue Cross offer?
Based on NAIC filing data, Independence Blue Cross reports activity in 1 line of business: Health Insurance (Individual). Availability varies by state.
Verify Independence Blue Cross
Independence Blue Cross is filed with the NAIC under company number 93688. 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 Independence Blue Cross · 2024
Share, download, and related pages for Independence Blue Cross
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Independence Blue Cross, 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.