There is no rating for this "health" insurance company - they get a ZERO. First - they deny basic claims for no reason and you can NEVER get a person on the phone to discuss anything. Second, if you plan to use their horrible web site to locate a provider in network don't plan on being able to find one. I have attempted to make appointments with providers located on their website and they ARE NOT BC/BS PROVIDERS!!! Then, when you attempt to call BC/BS to have them assist with finding a provider you cannot EVER get a human being to speak to except in their sales department. I have NEVER had such crappy insurance in my entire life! This country is being RAPED by insurance companies! It legalized gambling and they are sucking the life outa us!