Blue Cross Vs Blue Shield

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The Blue Cross Association is a national association of 36 independent; community-based and locally operated Blue Cross and Blue Shield companies. The Association owns and manages the Blue Cross and Blue Shield trademarks and names in more than 170 countries and territories around the world. Blue Cross and Blue Shield operate healthcare coverage in all 50 states, the District of Columbia and Puerto Rico. The 36 Blue Cross and Blue Shield companies cover 107 million members. Nationwide 95% of hospitals and 92% of professional provider's contract with Blue Cross and Blue Shield companies and currently Blue Cross and Blue Shield serves 85% of Fortune 100 companies and 76% of Fortune 500 companies. Blue Cross and Blue Shield were founded in 1929 …show more content…
All plans follow the Affordable Care Act guidelines and provide the same set of essential health benefits, quality, and amount of care. They are Ambulatory patient services, Emergency services, Hospitalization, Maternity and newborn care, Mental health disorder services, Substance use disorder services, Prescription drugs, Rehabilitative services and devices, Laboratory services, Preventive and wellness services, Chronic disease management and Pediatric services. The plans that Blue Cross and Blue Shield offer are Blue Choice Preferred PPO which provides the most flexibility, in most cases but the offer has higher monthly premiums and out-of-pocket costs, like deductibles and coinsurance than other plans. The Prescription Benefits for this plan include Generic Plus which is a smaller version of the Standard Formulary. It covers drugs for the major drug classes but includes mostly generic drugs and fewer brand-name drugs. Another plan is the Blue Precision HMO plan that has lower monthly premiums and out-of-pocket costs, like co-pays and deductibles. The Prescription Benefits are Generic Plus which is a smaller version of the Standard Formulary, and it covers drugs for the major drug classes but includes mostly generic drugs and fewer brand-name drugs. They also offer the Blue care Direct HMO which has lower monthly premiums, and out-of-pocket costs, like copayments and deductibles. The Prescription Benefits for …show more content…
Blue Cross and Blue Shield companies across the country have participated in the new marketplaces more broadly than any other insurance carrier. Millions of newly enrolled Blue Cross and Blue Shield members thus provide the largest single group of individuals whose health status and use of medical services can be examined to the main insights into the medical needs and costs associated with providing care. Blue Cross and Blue Shield companies are also expanding patient-focused care programs that emphasize prevention, wellness and coordinated care so that new individual members get healthy faster and stay healthy longer. Blue Cross and Blue Shield companies serve millions of members through eh ACA marketplace in 46 states and the District of Columbia, with coverage in 89% of counties in both urban and rural areas. In addition to offering products on the federal and state-run marketplaces, all Blue Cross and Blue Shield companies sell individual and group health insurance products throughout the country. Blue Cross and Blue Shield companies insured more than 8.6 million individual members through December 31, 2015. This study
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