Anthem Blue Cross and Blue Shield

2007-10-29 12:23:02

( Health )



Background of Anthem Blue Cross and Blue Shield Health Insurance

Anthem is a licensee of the Blue Cross and Blue Shield Association, a network of doctors and hospitals that are committed to providing the best in medical care at affordable prices.

Anthem Blue Cross and Blue Shield operates in nine states and four regions of the country, with about ten million subscribers to date. Anthem also maintains some specialty companies that are engaged in drugstore operation, life and disability insurance and other undertakings.

Anthem Blue Cross and Blue Shield Health Care Plans

The main characteristic of Anthem Blue Cross and Blue Shield plans is flexibility. You get to choose whether you would like a health maintenance organization or HMO, or if you want to go for a preferred provider plan type.

Last year, Anthem also launched newer types of health care plans with more attractive features for both individual and group members. One new plan combines a preferred provider plan with a savings account. Your contributions can be accumulated to pay for qualified prescriptions and treatments. Any unused funds will roll over to the next year. If you use an in-network physician or medical facility, you spend less on your medical bills.

There are other variations of this plan, usually to provide incentives for people with families. Better yet, you also get rewards for enrolling in specific health treatment programs such as weight management and smoking cessation.

Anthem's Traditional Health Coverage

If you have used up your funds in your health savings account, you can still enjoy traditional health care benefits under Anthem. You will need to pay an annual deductible in some cases, and you also have an annual maximum for out-of-pocket expenses. You also have unlimited choice of providers, though you need to pay more if you use an out-of-network physician.

Anthem's Online Services

You can access the Anthem website anytime, even if you are not a member. If you're interested in becoming one, you can enroll in any of the Anthem health plans offered.

You can look up physicians and medical facilities to see if they are part of your network. The site also gives you access to online articles and specific health care advice. It can also present comparisons of medications or treatments.

These special services from Anthem Blue Cross and Blue Shield will help you form valuable decisions about your own health and that of your loved ones, thus saving you time and money, as well as add peace of mind to your daily life.


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