Blue Cross Health Insurance - A Popular Choice

The Blue Cross Blue Shield trade organization provides some of the most popular medical insurance available. Through this trade organization, Blue Cross Health Insurance, links to nearly 40 independent, regional health insurance companies located in the United States. and Puerto Rico. Todays Blue Cross health insurance company, along with the Blue Shield company, both evolved from individual health insurance companies originally formed during the 1930s.

A Blue Cross sponsored health insurance company essentially becomes a franchisee of the parent company. Each franchise is authorized to offer Blue Cross health insurance plans and/or Blue Shield plans. These plans are so popular that there are Blue Cross-Blue Shield insurance plans available in every U.S. state. In fact, in many states, and regions, a Blue Cross health insurance company often acts as the Medicare administrator for that area.

Looking under the Blue Cross health insurance umbrella you will currently find 39 member companies. Having provided health insurance for more than 70 years, it is estimated that 1 in 3 Americans carries some type of Blue Cross health insurance card. The Blue Cross health insurance company proudly promotes its health insurance plans as being of high quality, flexible, and affordable.

Blue Cross health insurance is also available to the Federal Government. This Federal health insurance plan presents a nation-wide option offered by the FEHBP (Federal Employees Health Benefit Plan). The FEHBP was established strictly for the purpose of offering Blue Cross health insurance to federal employees. This allows the Blue Cross health insurance companies to maintain a close association with governmental health insurance policy makers.

Traditionally, Blue Cross health insurance provided coverage for only hospital related expenses. Medical coverages (doctors, etc.) were offered by Blue Shield. With just a few exceptions, that division of offerings no longer exists. Blue Cross health insurance is obtainable from brokers of either Blue Cross, or Blue Shield.

There has been some consolidation of Blue Cross health insurance companies allowing them to provide health insurance coverage to very large groups, while at the same time being able to offer lower premium rates. One such consolidation is called WellPoint. It offers both Blue Cross, and Blue Shield health insurance in more than a dozen states. Other examples would be the mid-Atlantic region's CareFirst, and located in the U.S. Pacific northwest, The Regence Group.

Financially speaking, just how popular is Blue Cross health insurance? It is estimated that in 2003, the Blue Cross health insurance family of companies earned more than $182 billion in revenues.

For anyone who may be seeking affordable health insurance offering good coverage, a Blue Cross health insurance plan may just meet your coverage needs, while still fitting into your budget.

Carl DiNello is an Article Author whose articles are featured on websites covering the Internet's most popular topics.

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PHRs Model by Blue Cross Insurance

High quality health care today simply means having the right information in the right hands and at the right time. You may be an individual or a family, every body need concurrent access to health care information that might be discrete among a number of physicians, hospitals, pharmacies, and other health care providers. But in fact we are many years away from the system that are fully interoperable. Consumers would have superior access to the health care information they require to optimize their health and health care thanks to a new personal health record (PHR) model being urbanized by Blue cross health insurance plans.

America's Health Insurance Plans (AHIP) and the Blue Cross and Blue Shield Association (BCBSA) worked jointly to recognize the core health care information to comprise in PHRs, and have urbanized and pilot tested standards, which allow consumers to move PHR data when they actually change their coverage. This ensures that PHRs would surely be portable from health insurer to health insurer as customers have requested. Members of the two teams cover about 200 million people.

The industry model PHR by Blue cross insurance is in fact private, secure web-based tool preserved by an insurer, which contains a consumer's claims and organizational information. PHRs allow individual patients and their chosen caregivers to look and manage health care information and play a better role in their own health care.

Consequently of health insurance claims filed on behalf of consumers, insurers have most information required to give PHRs, and are in an exclusive position to build them for customers in the near term. PHRs are different from the electronic health records, which providers normally use to store and run detailed clinical information. A projected 75 million people have PHRs throughout health insurers, with millions more planned for the service during 2007.

Physicians tend to encourage insurers to accept a reliable set of core PHR data. Health insurers would carry on innovating in the PHRs they expand, but the aim is to slot in core data elements into every PHR. These elements comprise patient histories, medications, immunizations, allergies, risks, plans of care, and much other information, which physicians recognized as the key data. The health insurance groups of people have set an objective of incorporating the core data elements and implement the standards for portability from a previous insurer to a new insurer by 2008.

Tamil Selvi is a SEO Copywriter of Blue Cross Health Insurance. She written many articles in various topics.For more information visit: Blue Cross Blue Shield Insurance. contact her at tamil@searchenginegenie.com

 

How The Blue Cross Works

The Blue Cross is, in actuality, not a single company, but is instead a large conglomeration of companies that make up the Blue Cross Group of companies. These businesses that make up the Blue Cross include the leading companies with the highest financial stability in providing several medical services, such as travel insurance, personal accident insurance, and medical insurance, as well as Third Party Administered Plans for healthcare services, and many more similar products.

The grouping of companies under the Blue Cross has a solid experience of over fifty years. They pride themselves on their ability to maintain a steady level of excellence, while still giving all of their many clients comprehensive and practical services.

The commitment of Blue Cross, according to their own website, is to continually improve their own customer service, to ensure that the services that they provide their customers are always getting better. With the track record worthy of boasting, and a competent support staff, they feel confident that they are always equipped to provide customers will immediate service at high levels at any given time.

This level of service is especially important in the health industry. Certainly, we all expect good customer service from any company with which we do business, but with the utter basic importance of proper health services, companies like the Blue Cross allow us a bit more security and peace of mind in a world that seems to have lost a lot of its own stability and comfort. It is exactly that kind of assurance that the Blue Cross aims to give its clients.

Furthermore, the Blue Cross excels in its ability to provide a multitude of services at a high level, instead of just one. This convenience is important, especially when it comes to your health. When you are in need of health services, there is nothing more trying than having to deal with several different companies, all with their different requirements, forms, and levels of service. Blue Cross gives you everything in once place, with a standard level of high service, and the assurance that they’re easy to reach and will always be there when you need them.

Blue Cross has become the envy of the health industry, with its proud history, stable present, and bright future. It is an example of what proper health care services should look like in today’s level of quality and technology. It is refreshing to know that a company such as Blue Cross is out there to take care of millions throughout North America.

Richard Cussons is a prolific and diverse writer. You will find out more about The Blue Cross at Blue Cross Resources.

Blue Cross Blue Shield Health Insurance - Do Not Be Left Without Coverage

Blue Cross Blue Shield Health Insurance is one of the oldest, most established health insurance companies in the country. This company has been providing health insurance to generations of Americans and its customer base grows more and more each year. I am secure in the knowledge that my family and their health is protected since I have a Blue Cross Blue Shield Health Insurance policy.

I wish I could say this was always true. For a number of years I worked as a bartender and had no insurance coverage whatsoever. I was a nervous wreck that any accident or fall would put me in tremendous debt because I had no way to pay any hospital bills. Without my Blue Cross Blue Shield protection, I found myself not going to the doctor's, no matter how sick I was because I could not afford the price of a visit.

On one occasion, I hurt my ankle tripping over something in the dark. Even though it hurt a lot, I went home on it and saw that it was twisted and badly sprained. But there was no way I could go to the hospital without Blue Cross Blue Shield health insurance.

I had already learned that lesson the hard way. The last time I injured myself and went to the emergency room, I incurred an incredible debt. The cost of an emergency room visit is incredibly expensive, and so I have to make payments on this debt that I still owe.

At the time, I felt I could not avoid going to the hospital. I had a bad case of strep throat and If I was not treated with antibiotics, I would not be able to go to work. As a bartender, not going to work meant not getting paid. Even though I knew the visit would be very expensive, I had no choice but to go to the hospital and then try to work out a payment plan for the visit.

I was in a cubicle for a total of ten minutes, and the visit cost me $200. That worked out to $10 per minute. Since I do not make $60 an hour, I knew I could not afford to do that again. That experience really made me realize that I literally could not afford to be without Blue Cross Blue Shield Health Insurance.

To add insult to injury, besides charging me for the room, the hospital charged me for every little thing involved in the visit, including the antibiotics, of course, but also for such items as the gloves the doctor wore when he examined me. Spending five dollars for one pair of latex gloves made me determine to start looking for a Blue Cross Blue Shield Insurance Plan that I could afford. I have never regretted that decision.

Michael Benifez reports for http://www.LifeinPalmCoast.com, covering world of finance, mortgage loans, refinancing and insurance in Palm Coast, Florida and Flagler county. His latest article on Flagler county Florida health insurance covers health and medical care options.