Personalized Healthcare, blue cross blue shield az advantage
Since 1929, Blue Cross Blue Shield (BCBS) companies have provided healthcare coverage to members, allowing them to live free of worry, free of fear.
In every ZIP code, Blue Cross Blue Shield offers a personalized approach to healthcare based on the needs of the communities where their members live and work. They work closely with hospitals and doctors in the communities they serve to provide quality, affordable healthcare.
We understand and answer to the needs of local communities, while providing nationwide healthcare coverage that opens doors for more than 107 million members in all 50 states, Washington, D.C., and Puerto Rico.
Nationwide, more than 96 percent of hospitals and 95 percent of doctors and specialists contract with Blue Cross Blue Shield companies– more than any other insurer
Change is never easy, and amendments to Arizona Law have seen the Health Insurance market explode with a multitude of health plan options. While more competition is always a good thing, it can sometimes be very confusing to consumers who want to get the best deal, but are confused by the sudden array of choice.
There is also the added confusion that not all health plans have to contain all benefits, meaning you’ve suddenly got a whole lot of policies that may or may not contain the things you need. Insurance carriers still do have full health insurance plans, but the advantage of this new flexibility is that consumers can choose which benefits they would like to pay for. This means insurance that is tailored to your needs that won’t break the bank with costs for things you don’t want or need.
You now have the choice between State Mandated Plans and Consumer Choice Plans. Consumer Choice plans will still include things that the State has determined must be included, such as Alzheimer’s and Pregnancy Complications.
The health coverage tax credit program is also available to help certain individuals pay for insurance, this can make health insurance much more affordable if you’re eligible. If you’re on a pension you’re likely to qualify, as well as if you are a displaced worker.
There is also the choice between Fee-for-service plans, and Managed Care plans. Managed care plans may be cheaper as may be required to go to the health care professionals that the insurance company dictates, where as Fee-for-service plans allow you to go anywhere you want.
Another excellent way to save money on your insurance is to see if you can get it as part of a group. Perhaps your employer offers insurance, or your union. Other associations that offer the chance to get in on a group plan are churches and professional associations.
Be smart, look around, and explore your options. That’s the best way to save on health insurance and get a good deal.