# Credence — user reviews > 30 indexed App Store user reviews of Credence by UTIC Insurance Company, rated 3.90/5 from 474 ratings. - Source: https://appshunter.io/ios/app/credence/id6443386561/reviews - App overview in markdown: https://appshunter.io/ios/app/credence/id6443386561.md - Rating breakdown: 5★ 311 · 4★ 28 · 3★ 12 · 2★ 17 · 1★ 106 ## What do users think of Credence? Overall sentiment: negative **Pros** - 👍 On-the-go information access - 👍 Virtual card is nice - 🚀 Faster experience (one review) - 👍 Good so far (two reviews) **Cons** - 🐛 App never works - 🐛 App is terrible - 🐛 App is not user friendly - 🐛 App is archaic - 🐛 App is useless - 🐛 App is barely functional - 🐛 App is frozen - 🐛 App never loads - 🐛 App is inconvenient - 🐛 App is timed out - 🐛 App is stuck on loading screen - 🐛 App does nothing - 🐛 Cannot view network doctors - 🐛 Limited doctor options - 🐛 Cannot see submitted claims - 🐛 Claims not paid - 🐛 Cannot verify ID - 🐛 Cannot add ID card to Apple Wallet - 🐛 Cannot login - 🐛 Nothing loads up - 🐛 Cannot view deductible/OOP status - 🐛 No pharmacy claims view - 🐛 Benefits inactive - 🐛 Does not show doctors in network - 🐛 Provider recognition issues - 🐛 Missing dependent suffixes **Commonly reported bugs** - App will not let me view network - App never works for looking up doctors - Unable to see claims submitted over a month ago - ID verification via text/email does not work - App freezes and does not load properly - App stays on loading screen and never loads - App perpetually hangs on loading screen after login - Login credentials result in an indefinite loading screen - App gets stuck on the load screen - Dual factor authentication screen does not work - Find care and claims sections show a buffering circle indefinitely - App times out - Benefits shut off unexpectedly **Most requested features** - Invest in human-centered design for better UX - Improve ID verification process (text/email) - Allow adding ID card to Apple Wallet - Provide clear information on what is paid and owed - Display deductible and OOP status - Enable viewing of pharmacy claims - Include dependent suffixes in the app - Ensure benefits are active when they should be ## Newest reviews (13 of 30) ### 1/5 — Don't use *2025-09-19, version 1.14.0* The absolute worst insurance there is Dont expect them to cover anything and don't expect anything to go towards your deductible ### 1/5 — UX designer and I don’t understand your app *2025-09-19, version 1.14.0* First off I’m not the most knowledgeable when it comes to insurance and how it works. That being said, I really don’t understand what I’m seeing, what’s been paid out, and most importantly what i owe. Please invest in some Human-centered design efforts to make your products better. ### 1/5 — Garbage *2025-08-01, version 1.13.1* App never works “you’ve encountered an error” is their way of hiding what horrible insurance coverage they have ### 1/5 — Can’t even login *2025-06-25, version 1.13.0* This app looks as though it was constructed in the 90’s. It is archaic and not only that, the screen where you choose how you want to dual factor authenticate doesn’t work so I am in fact never able to login. It’s useless and I wouldn’t recommend anyone download it or get this health plan. ### 1/5 — NOTHING LOADS UP *2025-03-26, version 1.12.0* I try to use the find care and it just has the buffing circle going the whole time and the same thing happens with claims. ### 1/5 — App frozen *2025-01-24, version 1.10.0* App is not working well, it’s freezing and not loading properly ### 1/5 — Provides ZERO Information *2024-09-20, version 1.8.3* I can’t view my progress toward my deductible or OOP status. There is no way to view pharmacy claims I guess. The app gives no information. ### 1/5 — Blue cross blue shield of credence app *2024-09-11, version 1.8.3* App is terrible. It never loads and is very in convenient when you actually need it. Deserves 0 stars. ### 1/5 — Stuck on loading screen *2024-08-09, version 1.8.3* Deleted and reinstalled, perpetually hangs on loading screen after log in. Useless. ### 1/5 — Inactive benefits when should be active *2024-07-25, version 1.8.2* Why were my benefits shut off?? ### 1/5 — Not good *2024-05-15, version 1.8.0* Don’t show doctor in your network ### 1/5 — Loading… *2024-01-04, version 1.5.0* App does nothing. Log-in credentials result in an indefinite loading screen. ### 1/5 — App is stuck on loading screen *2023-11-20, version 1.3.0* The app gets stuck on the load screen and nothing happens. Even when on different WiFi and cell networks. ## Most critical reviews (10 lowest-rated) ### 1/5 — Not user friendly and not enough information *2026-08-09, version 1.15.1* Not user friendly and not enough information ### 1/5 — Sanjai *2026-08-03, version 1.15.1* For some options post login , it says need to login again. I don’t see the purpose ### 1/5 — Slow *2026-07-10, version 1.15.0* This app is slow ### 1/5 — The app is terrible! *2026-05-06, version 1.14.2* The app will not even let me view who is in my network. It never works no matter when or how I try to look up doctors. ### 1/5 — Limited plan *2026-03-23, version 1.14.2* The doctors that you offer on this plan are terrible, I get three doctors in my area, but that’s who I work for apparently ### 1/5 — Claims *2026-01-31, version 1.14.2* Unable to see the claims I submitted from over a month ago. ### 1/5 — They don’t pay the claims.. *2026-01-21, version 1.14.1* They don’t pay the claims even though they okay the surgeries, guess I’ll get my state insurance commissioner on this claim .. ### 1/5 — Not user friendly *2025-12-28, version 1.14.1* Verify my ID via text (did not work or email) every time I sign in? Can’t add ID card to Apple wallet. Message says call number on card. Nope! ### 1/5 — Terrible *2025-12-03, version 1.14.0* Terrible app. ### 1/5 — Worst of the worst *2025-10-14, version 1.14.0* This has got to be the saddest medical benefit website ever!!! ## Most praised reviews (7 highest-rated) ### 5/5 — On the go on hand information *2025-08-13, version 1.13.1* This is a great way to keep up to date information concerning your plan, coverage, claims and deductibles even your id cards.. ### 5/5 — Health *2024-08-24, version 1.8.3* Love it so faster ### 5/5 — Good so far *2024-08-12, version 1.8.3* Good so far ### 3/5 — Title *2025-11-03, version 1.14.0* Review ### 3/5 — App is timing out *2024-09-06, version 1.8.3* As of right now, the app is timed out. Tried completing form on line, but the answers were different than the paper you mailed. ### 2/5 — Barely functional *2025-02-23, version 1.10.0* I only use this app because I have the unfortunate situation that my employer has chosen this group to administer their self insured plan. If you just need to look at the most basic information on a claim it’s fine. Virtual card is nice. I would not use mobile to search for a provider or basically anything else. Also the list of dependents is good except it doesn’t include any suffix for them which a lot of providers ask for because they don’t list them on the card. Also the providers don’t recognize Credence unless you’re in Alabama so you spend time at the office while they figure out which regional plan to reference. ### 2/5 — Needs updates *2024-10-03, version 1.8.3* For a while when I’ve opened app to sign in, it just stays on the screen with the image of the man with a child on his shoulders. And says loading but never loads --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-09.*