Blue Cross Blue Shield has been around for about eighty years. It is a national company, made up of thirty-nine locally operated Blue Cross Blue Shield companies. Blue Cross Blue Shield’s focus is providing families with top quality, affordable health insurance. Blue Cross Blue Shield reports that it is the most recognized brand in the health insurance industry. Blue Cross Blue Shield has almost 100 million members, and offers products in all fifty states, plus the District of Columbia and Puerto Rico.

Blue Cross Blue Shield and Medicare

There is a lot of debate and discussion about Medicare plans in the news right now. Blue Cross Blue Shield offers some Medicare prescription plans. Medicare Part D plans offer prescription drug coverage. This is a good option for retirees. Actually, the Medicare Part D plan can be so confusing that Blue Cross Blue Shield has put together a document to help explain changes to the Medicare plans. Medicare Part D plans are heavily regulated by the government. Retirees have to investigate and understand all the technical and legal issues that will impact their options so that they can get maximum value out of their Blue Cross Blue Shield Medicare Advantage or Prescription Drug Coverage plans.

Other Blue Cross Blue Shield Products

Medicare Part D plans are a big product offering from Blue Cross Blue Shield, but there are others. Blue Cross Blue Shield has HMO plans, which stands for Health Maintenance Organization plans, and usually have a small network of physicians. They also have plans with more choices and freedom when it comes to selecting a physician. These are called PPO plans, which stands for Preferred Provider Organization plans. Blue Cross Blue Shield also offers other plans, such as indemnity and traditional coverage plans, and Point-of-Service plans.

A new development in health insurance has been flexible spending accounts and health savings accounts. These accounts work with the Blue Cross Blue Shield policy to help subsidize the deductible costs on each policy. This is a great way to keep monthly premiums down by having a Blue Cross Blue Shield policy with a high deductible, but yet have flexibility and help when it comes to paying the deductible. This is one of the ways in which Blue Cross Blue Shield tries to help its members.

Blue Cross Blue Shield also boasts the largest network of physicians, health care professionals, and hospitals in the nation. There are also Blue Cross Blue Shield international plans for those living, traveling, or working overseas. There are thirty-nine divisions of Blue Cross Blue Shield, so it is possible that the state where you live has its own division of Blue Cross Blue Shield products. Georgia, California, and Texas are among the states that have their own division. Not all of the divisions are called Blue Cross Blue Shield. Some go under other names, such as Anthem or Horizon. They all have access to the excellent Blue Cross Blue Shield network of providers, though, and all share the same high quality reputation.