Comparison

BCBSTN vs BCBSM

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BCBSTN

Access your health plan information, find care providers, and manage your benefits with this app. It offers quick login, live chat support, and digital ID cards for convenient healthcare management.

Highlights
  • Faster login with Touch/Face ID
  • Live online chat support
  • All plan coverage and costs in one place
  • Digital Member ID card
  • Find care providers and costs
  • Easy telehealth access
Currently charting
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The BlueCross BlueShield of Tennessee app makes it easier than ever to get the plan information you need, when you need it. With our fresh, user-friendly design you now get: + Faster Login: Touch and Face ID login means no password memorizing + Live Online Chat: Get help from a live agent on your care team + All Your Details in One Place: All your plan coverage and costs are front and center + Digital ID Card: See and share your Member ID card with a single tap + Find Care and Costs: Find providers near you and how much you might pay for their care + Easy Telehealth Access: Easy-to-find link to make virtual doctor appointments Download the BCBSTN app today to get the details you need to feel confident about your plan and your health care.

About

BCBSM

Access your health plan benefits, view your virtual ID card, find in-network providers, and explore covered services. Get virtual care, review claims, and manage payments. Compare provider quality and drug prices for informed healthcare decisions.

Highlights
  • Virtual ID card
  • Find doctors and hospitals
  • View plan balances
  • Virtual care and nurse line
  • Review claims and EOBs
  • Provider quality ratings
  • Drug price lookup
Features
Currently charting
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Thanks for making us #1 Blue Cross Blue Shield of Michigan ranked highest in Member Satisfaction among Commercial and Medicare Advantage health plans in Michigan. Commercial members also rated us highest in Trust, Digital Channels and Helping Save Time or Money. For 2026 J.D. Power award information, visit jdpower.com/awards. Enjoy convenient access on the go: • View your member ID card and add it to your digital wallet • Find in network doctors and hospitals • See covered services and plan balances (deductible, out of pocket, etc.) • Get virtual care with our 24 hour nurse line and telehealth options • Review claims and EOBs • Make bill payments (for non employer coverage) • Compare provider quality ratings and estimated procedure costs • Check your HSA/FSA balances via HealthEquity • Choose and view your Primary Care Physician • Look up prescription drug prices and coverage rules • Complete health assessments and explore wellness tools This app supports most Blue Cross plans except: • FEP members with a PPO plan • MESSA members • Blue Cross Complete (Medicaid) members Permissions Wi-Fi connection This access allows the BCBSM app to check for an active internet connection, which allows the app to function correctly. Photos and other media We use this access to deliver PDFs to you and to display your virtual ID card. BCBSM will not access or use your pictures or saved files for any other reason. Questions about the app? Please visit bcbsm.com/app © 1996-2026 Blue Cross Blue Shield of Michigan and Blue Care Network are nonprofit corporations and independent licensees of the Blue Cross Blue Shield Association. We provide health insurance in Michigan. State and Federal Privacy laws prohibit unauthorized access to Member’s private information. Individuals attempting unauthorized access will be prosecuted.

Screenshots

BCBSTN4 screens
BCBSM4 screens

Verdict

The call

The clearest difference is rating: BCBSM at 4.7 against BCBSTN's 2.4. BCBSM also leads on ratings volume (79K vs 360) and review sentiment (30% vs 15%). BCBSTN's advantage is iOS requirement (13.4 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

BCBSM holds the better App Store score, 4.7 against 2.4. That said, the two scores are not equally well evidenced: BCBSM has 79K ratings behind it against 360, so its average is the more settled of the two. Written reviews point the same way: 15% of BCBSTN's written reviews are positive against 30% of BCBSM's.

UpkeepUpdate frequency

BCBSTN ships an update every 2 months, BCBSM monthly. The most recent releases landed on September 22, 2026 and September 24, 2026 respectively.

Scorecard5 real differences · 6 level
BCBSTN versus BCBSM: the parameters behind the verdict, then further details
ParameterBCBSTNBCBSM
PriceFreeFree
Rating2.4 (360 ratings)4.7 (79K ratings) — better
Positive reviews14.5% of reviews29.7% of reviews — better
Number of ratings36079K — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
Best chart rank#183#37 — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.4 — better15.0
Further details — not scored
Size62 MB66 MB
Age rating4+17+
DeveloperBlueCross BlueShield of TennesseeBlue Cross and Blue Shield of Michigan

Customer experience

BCBSTN

All ratings300 ratings
Positive34.0%
Neutral3.7%
Negative62.3%
Written reviews172 reviews
Positive14.5%
Neutral4.7%
Negative80.8%

BCBSM

All ratings79,066 ratings
Positive93.2%
Neutral2.4%
Negative4.4%
Written reviews263 reviews
Positive29.7%
Neutral6.8%
Negative63.5%

User reviews

BCBSTN

From 360 App Store ratings

What we love

  • 💻 Easy to use
  • 📱 Convenient mobile access
  • 🔍 Helpful provider search
  • 🏆 Great app overall

Room to improve

  • 🐛 Frequent crashes and bugs
  • ⚠️ Unreliable and unstable
  • ⏳ Constant maintenance issues
  • 🔒 Login and authentication problems

BCBSM

From 79K App Store ratings

What we love

  • 🚀 Convenient access to account information
  • 👍 User-friendly app design
  • 🔒 Secure login options
  • 💡 Helpful features like viewing claims and deductibles

Room to improve

  • 🐛 Frequent crashes and performance issues
  • ⏱️ Slow load times and app responsiveness
  • 🔍 Inaccurate or outdated provider information
  • 📱 Lack of landscape mode support for tablets

Bugs and requests

BCBSTN

Reported bugs

4 issues
  • Cannot enter login information
  • App entirely non-functional
  • Verification code entry not working
  • Keyboard issues on login screen

Requested features

4 requests
  • Add Face ID or fingerprint login
  • Improve provider search and filtering
  • Allow adding medical history
  • Fix digital ID card integration

BCBSM

Reported bugs

3 issues
  • Login process often fails or locks users out
  • Claims and deductible information not always accurate
  • App redirects to external website instead of handling in-app

Requested features

3 requests
  • Add insurance card to Apple Wallet
  • Improve search functionality for finding in-network providers
  • Provide more self-service options to avoid phone calls

In-app purchases

None

BCBSTN

No in-app purchases

None

BCBSM

No in-app purchases

Questions

Is BCBSTN free?
BCBSTN is free to download, with no in-app purchases.
Is BCBSM free?
BCBSM is free to download, with no in-app purchases.
Which has better reviews, BCBSTN or BCBSM?
BCBSM is rated higher. BCBSTN averages 2.4 out of 5 from 360 ratings, while BCBSM averages 4.7 from 79K ratings.
Do BCBSTN or BCBSM have ads?
Neither BCBSTN nor BCBSM shows ads.
Which is updated more often, BCBSTN or BCBSM?
BCBSTN ships an update every 2 months, and BCBSM monthly. Most recently, BCBSTN was updated on September 22, 2026 and BCBSM on September 24, 2026.
Which is more popular, BCBSTN or BCBSM?
BCBSTN currently peaks at #183 in the App Store charts, and BCBSM at #37. Chart position reflects recent download velocity rather than total install base.

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