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
BBB
Reputation grade B (composite score 77.2) - 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 93688 B · 77.2

GRADE-B · INDEX-LOW · DENIAL-NONE · RANK-UPPER · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-B B · 77.2
  • INDEX-LOW 0.72
  • DENIAL-NONE No CMS file
  • RANK-UPPER #19/72
  • PHOTO-FINISH State Farm Fire & Ca… · B
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: State Farm Fire & Casualty (±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 Independence Blue Cross

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

Independence Blue Cross - complaint index neighbourhood

complaint index

What this shows 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).

Source NAIC published complaint index (2024) As of 2026

Where Independence Blue Cross sits on complaints

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.

Source NAIC published complaint index (2024) As of 2024

Independence Blue Cross vs. the full rated-insurer dataset

72% Among the most affordable more affordable than 72% of 72 rated insurers

Independence Blue Cross 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) ~176 0.72 1

What the NAIC filing desk 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 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 Independence Blue Cross.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for Independence Blue Cross: 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 (77.2 here). Floored at 50+ complaints and 5+ states.

Erie Homeowners 77.6 Lincoln National Life 77.6 Nationwide Life 76.8 Erie Insurance 79.2

Similar complaint volume

Nearest carriers by NAIC complaint count (176 here). Deduped against the score peers so the two sets stay distinct.

Kaiser Permanente 458 complaints Northwestern Mutual Life 1,431 complaints Anthem / Elevance Health 1,660 complaints MassMutual 1,783 complaints
Aggregates only, not advice. Full terms on the disclaimer.

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 Source

Source: NAIC published complaint index data Complaint index, reputation grade for Independence Blue Cross · 2024

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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.

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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.