Nhoroondo yeBlue Cross Blue Shield yakatanga muna 1929 apo Justin Ford Kimball akatanga kutanga kambani ye inshuwarisi yehutano yevadzidzisi. Yakanzi Blue Cross. The Blue Shield pakutanga yaiva chirongwa che inshuwarisi chevashandi vemakambani emigodhi muPacific Northwest. Vashandi vaibhadhara mari yavo yepamwedzi pamapoka echiremba nokuda kwekushandira basa. Makambani maviri aya aizounganidza uye muna 1982, zita rechiremera rehurumende rakazova Blue Cross Blue Shield.
Dzimba rekambani iyi iri kuChicago, Illinois. Mutungamiri naGavhuna mukuru Scott Scott. Blue Cross Blue Shield ine mari yegore negore inopfuura $ 320 mamiriyoni. Kuburikidza nemabasa akabatanidzwa emakambani ose eUnited States, Blue Cross Blue Shield Association ine zvinhu zvehutano hwehutano hunowanikwa mune makumi mashanu enyika, District of Columbia nePuerto Rico.
Blue Cross Blue Shield ndiye mupi weFederal Employee Health Benefits Plan. Hondo yeHurumende yeVashandi ndiyo imwe yeboka guru rerongwa hwehutano panyika.
Blue Cross Blue Shield iinewo mushandi we Medicare wehurumende yehurumende uye inobata zvinopfuura mamiriyoni 190 zvemitemo kubva kuchipatara gore negore. Kune huwandu humwe humwe hurumende nhengo shengo pamwe nemapoka ehurumende akawanda eEalthPoint, CareFirst, The Regence Group uye Health Care Service Corporation.
Simba reMari uye Kugutsikana Kwevatengi
Nokuti Blue Cross Blue Shield Association inosanganisira 39 makambani ehurumende yveshuwarisi , hapana munhu ane simba rezvemari rakapiwa nesangano rehupfumi. Zvisinei, AM Best akaverenga mazhinji emakambani eBlue Cross Blue Shield ane "A +" Yakanaka kwazvo.
Uine makambani 39 akasiyana, kugutsikana kwevatengi kuenzanisa kuchasiyana kubva kune imwe kambani yauri kushandisa. Insure.com ine nyanzvi yekugutsikana kwevanhu munzvimbo dzakasiyana-siyana kubva pa 60% kusvika ku80% kugutsikana kwevabereki kugutsikana. The Better Business Bureau ine mazita eBlue Cross Blue Shield.
Health Insurance Options
Pane zvakawanda zvingasarudzwa zvehutano hwehutano hunodiwa kuburikidza neurongwa hweBlue Cross Blue Shield pasinei nemamiriro ako ega emhuri kana bhajeti. Heano mamwe emapurogiramu anozivikanwa zvikuru pamwe chete nematambudziko avo.
HSA neFSA Accounts
FSA zvirongwa zvakanaka kune vemhuri dzine bhajamiro shoma asi vachiri kuda kutenga inshuwarisi yehutano . IFSA inhoroondo iyo iwe unogona kuchengetedza mari yemutero usingabhadharwi kuisa kuhutano hwehutano huripo deductible kana humwe hutano hwehutano hunoenderana. Iwe unogona kuve nemari yako yakabviswa zvakananga kubva pamari yako kana ukasarudza.
Blue Cross Blue Shield ine bhangi rayo rinotungamirira chirongwa ichi. Ndiyo Blue Healthcare Bank. Bhengi inobatsira nhengo nemari, kubvisa uye chero ipi zvimwe mibvunzo kana rubatsiro runodikanwa.
Nhoroondo yeHSA yakafanana neFSA, asi mari inogona kushandiswa chete pakugadzirisa zvemari. Vanhu vazhinji vanoshandisa mabhuku aya kuchengetedza mari yekushandisa kune yakakwirira-deductible policy. Iyo inobatsira iwe uchiri kuchengetedza mari kune re deductible uyewo unofarira mari shoma yepamusoro yehuwandu-deductible yehutano yveshuwarisi. HSA zvirongwa ndezvokubhadhara mutero .
Hurongwa Hwekugadziriswa Kwemutano (HRA)
Ichi chirongwa chevashandirwi vangave vasingagoni kuwana mari yehutano yakakwana kune vashandi asi vachiri kuda kupa rumwe rudzi rwehutano hunobatsira. Mari yakawanda yakatarwa isati yasarudzwa ichasvitswa kune vashandi nezvemari inokosha yezvokurapa iye pachake kana mhuri yake kusanganisira mitemo, kubhadharwa mari kana mamwe marudzi emari yekurapa.
HMO nePPO Plans
A Blue Cross Blue Shield HMO chirongwa chinobvumira zvakakwana kuongororwa kwezvokurapa pamadhura asina kukwana kuburikidza nekuti nhengo dzinoshandisa varimi chete mukati mehutano hwekuchengetedza hutano . Kuchengetwa kuburikidza nekushandisa chirongwa cheHMO kunogona kuva chakakosha. Ipo chirongwa chePPO chakafanana asi chinopa zvishoma zvishoma kuchinja. NePPO, iwe unogona kuenda kunze-ye-network yebasa, kunyange zvishoma zveizvi mari zvichange zvakafukidzwa.
Member Services
Blue Cross Blue Shield inopa mazano akawanda anobatsira kune avo vanoita zvematongerwo enyika. Kubva pawebsite iwe unogona kuwana mibvunzo yako yakapindurwa, tsvaga mari yekurapa, rongorora zvido zvepurogiramu yako, ita zvigadziriswe pakugovera kwako, fanira kudai, chengeta mamiriro ekutsvaga, chengetedza chikwereti chako, tora kadhi yeAdhi yemunhu uye uwane zvose zvaunobatsira uye mabasa. Iwe unogonawo kuwana nzvimbo yako yeBlue Cross Blue Shield Company nekupinda mazita matatu ekutanga kubva kudivi reAdhi yako nhengo. Kana iwe usina kadhi yako yehutano inowanikwa, unogonawo kutsvaga kambani ye BCBS yepanyika nokupinda muhurumende yako kana zip code.
Pros
- Vakawanda vevashandi vezvehutano uye vanachiremba vachagamuchira Blue Cross Blue Shield Insurance
- Ikambani yakanyatsogadzikana ine simba rakanaka rekushandisa mari
- Zvirongwa zvakasiyana-siyana zvehutano hwehutano uye HSA zvirongwa zviripo
Cons
- Pane humwe ruzivo rwakanyanya pane webhusaiti yepamusoro pamusoro pemishonga yemishuwarenzi, nezvemashoko akanangana, unofanira kushanyira mawebsite yekambani.
- Kambani yacho yakakura zvikuru uye vamwe vanofunga kuti hapana kukwana kwebasa revanhu.
Company Contact Information
Kuti uzive kuti ungataurirana sei neBlue Cross Blue Shield Company yemahara yehutano hwehutano hwehutano uye ruzivo pamusoro pemishandiro yveshuwarisi, iwe unogona kushanyira webasa reBlue Cross Blue Shield Association kana kutumira 888-630-BLUE (2583).