Blue Cross in VN I do have Blue Cross insurance and have found it to be good not great. At FV they usually want you to pay up front for your services and then they call and ask BC if they will cover it. If you do not pay you do not get service - unless it is an emergency. At Family they will give you the service and bill BC, if they do not pay or only pay a portion they expect you to cover the difference. From my experience outside doctors do not accept it. You pay them and you deal with BC.