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Blue Cross Blue Shield is a national federation of 39 independent, community based, locally operated companies. These companies have been providing health insurance for more than 70 years. These companies collectively provide health insurance for about one in three Americans. The Blue Cross Blue Shield is registered in 170 countries at present.
It has the largest number of physicians contracted with them and they offer health care coverage in all the 50 states in US. It offers a variety of insurance products to all segments of the population which includes employer groups, businesses and individuals.
It offers a variety of healthcare plans through the 39 companies in its federation. It also presents the typical healthcare coverage that is available in the US to those living in US. Some of these are Flexible Spending Account (FSA), Health Maintenance Organization (HMO), Health Savings Account (HSA), Health Reimbursement Arrangement (HRA), Indemnity and Traditional Coverage, Points of Service (POS) and Preferred Provider Organization.
It offers plans for people traveling in US and also for those traveling outside US. These are called the Bluecard: Away from home program and the Bluecard: Worldwide program. It also provides healthcare coverage for expatriates living or working outside the US.
It has an award system for those medical facilities that have demonstrated expertise in dealing with patients and have delivered quality care. It also has distinction centers for specialty care. These enable you to identify the quality behind all the medical facilities that are part of the blue network. It also encourages the medical facilities to strive towards providing quality care for all customers.
The company has also launched a financial organization that is designed to provide you with financial options and ensure that the processes of healthcare savings and spending are simplified. Thus you enjoy integrated facilities at Blue Cross Blue Shield. The Healthcare bank provides you with flexibility in payments of premium which also includes online payment of bills. The reimbursed amount is also availed through this bank. It also offers credit services depending upon your creditworthiness.
It also provides a walking program that is called walkingworks. Further it also realizes the importance of operational efficiency. Hence by supplying relevant, timely infor¬mation, it hopes to ease the decision making process.
These are the various innovations at Blue Cross Blue Shield. This is a top quality association that offers good service and healthcare coverage.
This article was contributed by Prerna Mordani.
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