Blue Cross and Blue Shield of Minnesota Review (Minnesota)

Item: Blue Cross and Blue Shield of Minnesota
Author: Options.Health

Founded in Minnesota and headquartered in Eagan, Blue Cross and Blue Shield of Minnesota is the state’s oldest and one of its largest health plans. It serves individuals and families (through its Blue Plus plans), employers, and Medicare members. As part of the national Blue Cross Blue Shield system, it pairs a broad statewide network with the BlueCard network for care when you travel.

A note on these reviews: Options.Health is an independent brokerage that represents the carriers profiled here, and these are our own professional assessments — we’ve tried to be balanced about both strengths and trade-offs. The right carrier and plan depend on your doctors, prescriptions, and budget, which is exactly what we help you sort out. We’re paid the same regardless of which carrier you choose, so our advice isn’t tied to any one company.

What we like

One of the widest provider networks in Minnesota, plus national coverage through BlueCard
A long-established, financially strong insurer with deep Minnesota roots
Often the only PPO option on MNsure in a given area — appealing if you want out-of-network flexibility
Full product line across individual, group, and Medicare

What to consider

As a large organization, the experience can feel less personal than a smaller plan
Premiums aren’t always the lowest in a given year — always worth comparing
Plan and network details vary by product, so the right fit depends on your doctors

Who it’s a good fit for: People who want the broadest possible network, value national coverage for travel, or want a PPO option on MNsure.

Blue Cross and Blue Shield of Minnesota — contact

For existing members. To choose or enroll in a plan, call us at (952) 392-9508 — it’s free.

Customer service651-662-5050

Medicare customer service651-662-9949

Websitewww.bluecrossmn.com

Common Questions

Blue Cross MN, answered

Yes. We’re an independent brokerage and Blue Cross and Blue Shield of Minnesota is one of the carriers we can place you with. We’ll compare it against the others to find your best fit — at no cost to you.

It depends on the specific plan. Networks vary by product and by year, so before you enroll we check that your providers and prescriptions are covered.

No. We’re paid by the carrier and the plan costs the same as going direct, so you get local help and ongoing service for free.

Get Started

Compare Blue Cross MN with the rest

Tell us a bit about your situation and we’ll compare Blue Cross and Blue Shield of Minnesota against every other carrier we represent — free.

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Independent advice across carriers
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Meet The Team

Real local people on your side

No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.