Health Care Service Corporation (HCSC)
Largest customer-owned health insurer in the US, operating Blue Cross Blue Shield plans in 5 major states: IL, MT, NM, OK, and TX.
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Services Offered
Our Take
HCSC is massive but flies under the radar because they operate as Blue Cross Blue Shield in their states, not under their corporate name. In Illinois and Texas especially, they're often THE dominant insurer. Customer-owned structure (mutual company) means they're not driven by stock price. If you're in their states, you're likely already considering them via the BCBS brand.
Pros
- ✓Customer-owned (not stockholder-driven)
- ✓Blue Cross Blue Shield network access
- ✓7% national market share
- ✓Dominant in their operating states
- ✓Strong employer relationships
Cons
- ✗Only 5 states
- ✗Operates under BCBS brand (confusing)
- ✗Customer experience varies by state
- ✗Can be bureaucratic
Pricing Details
Pricing varies by state. Often the dominant or sole BCBS option in their operating states.
Best For
- • IL, TX, MT, NM, OK residents
- • BCBS network access
- • Federal employees
- • Large employer plans
Coverage
- 📍 IL
- 📍 MT
- 📍 NM
- 📍 OK
- 📍 TX
Accreditations
- ✓NCQA accredited
- ✓BCBS Association member
Trust Indicators
Years in Business
88+
Last verified: December 21, 2024
⚠️ Important
Always verify pricing and details directly with the provider. Prices shown are estimates based on our research as of December 2024 and may have changed.
This information is for educational purposes only and does not constitute medical advice. Consult with qualified healthcare professionals before making medical decisions.
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