Blue Cross Blue Shield Insurance Plans

2008-04-07 12:40:48

( Insurance )



The Blue Cross Blue Shield Association

Blue Cross Blue Shield has established itself as the best known and most respected health care provider in the country.

Like a franchiser, it operates through many independent and licensed insurance companies bearing its trade name. You can find Blue Cross Blue Shield insurance providers in almost any state or region. Blue Cross Blue Shield also operates in 170 countries. To date, the association has more than 100 million subscribers.

Whether it's Blue Cross Blue Shield Arizona or Blue Cross Blue Shield of California, you can be sure to expect the same kind of high quality medical service.

Types of Blue Cross Blue Shield Insurance Packages

You can easily choose a Blue Cross Blue Shield insurance package that will suit your own needs and budget, as well as where you might use health care services.

The oldest and most traditional type of Blue Cross Blue Shield plan is the indemnity plan, which gives you the freedom to choose any doctor or hospital to receive medical care. In most cases, you have to pay up front for the service, then request your Blue Cross Blue Shield insurance company for reimbursement. This plan has the highest cost to you, but may be preferable if you have a particularly sensitive medical concern.

You can also opt for the preferred provider organization, or PPO, type of plan. You choose the medical services you need, then consult physicians from the network of Blue Cross Blue Shield. This will be more economical for you. But if you still wish to consult out-of-network physicians, you may do so at additional cost.

If you're a frequent traveler or someone who lives outside your state or country for an indefinite period of time, you may also use the Blue Card program to obtain health care services at discounted cost. There are accredited Blue Cross Blue Shield physicians you can consult in other states or countries.

Blue Cross Blue Shield Insurance Spending Accounts

As a service innovation, Blue Cross Blue Shield gives you opportunities to set aside part of your income to shoulder out-of-pocket medical expenses. You can set up a spending account by arranging to have your employer deduct part of your monthly salary to be placed into the health account.

Then when you need to pay for any out-of-pocket or non-covered medical services, you can use the funds in your Blue Cross Blue Shield health account to pay for them.

Getting More Information About Blue Cross Blue Shield Insurance

You can check out Blue Cross Blue Shield's official website for more information about health care packages, as well as any other questions or concerns.

You can also use the site to look up local Blue Cross Blue Shield insurance providers that may be available for your area.


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