Imbali yeBlue Cross Blue Shield yabuyela ngo-1929 xa uYustin Ford Kimball eqala iqela le- inshurensi yezempilo yabatitshala. Kwabizwa ngokuba yiBlue Cross. I-Blue Shield yayisisicwangciso somshuwalense kubaqeshi beenkampu zeemigodi kwi-Pacific Northwest. Abaqeshi bahlawula imali yabo yenyanga nganye kumaqela oogqirha kubasebenzi bokunika inkxaso. Ezi nkampani ziza kudibanisa kwaye ngo-1982, igama elisemthethweni lombutho laba nguBlue Cross Blue Shield.
Ikomkhulu leenkampani likwiChicago, e-Illinois. UMongameli kunye ne-CEO nguScott Serota. I-Blue Cross Blue Shield inengeniso yonyaka engaphezu kwezigidi ezingama-320 ezigidi. Ngemizamo ehlangeneyo yeenkampani ezingama-39 zase-US, i-Blue Cross Blue Shield Association ineemveliso zomshuwalense wezempilo ezifumaneka kuwo onke ama-50, kwiSithili sase-Columbia nasePuerto Rico.
I-Blue Cross Blue Shield ngumboneleli weSicwangciso soNcedo lwezeMpilo kaRhulumente. Inkqubo yabaSebenzi baseburhulumenteni yinqanaba elona likhulu lecebo lempilo kwihlabathi.
I-Blue Cross Blue Shield yiphakethe yonyango yekarhulumente kunye neenkqubo ezingaphezu kwezigidi eziyi-190 zamabango kwizibhedlele ngamnye ngonyaka. Kukho amalungu amanxulumano angama-single-state kunye namaqela amaninzi karhulumente we-WellPoint, CareFirst, iQela leRegence kunye neNkxaso yeeNkonzo zeMpilo.
Amandla Amali kunye noKwaneliseka kwabathengi
Ngenxa yokuba iBlue Cross Blue Shield Association iqukethe iinkampani ezingama-39 ze- inshurensi ezahlukileyo, akukho manqaku omandla okwezimali anikezelwa yinkampani yokwenza imali. Nangona kunjalo, i- AM Best ilinganise ubuninzi beenkampani zeBlue Cross Blue Shield nge "A +".
Ngamaqela ahlukeneyo angama-39, ukulinganiswa kwamanqaku okuxhaswa kwamakhasimende kuyahluka ngokusekelwe kwinkampani ngamnye oyisebenzisayo. I-Insure.com ine- survey yezokwaneliseka kwamakhasimende kwiindawo ezahlukeneyo ukusuka kwi-60% kuya kwi-80% yokulinganiswa kwamakhasimende okwaneliseka. I-Business Business Bureau inezohlomelo nganye kwiBlue Cross Blue Shield indawo.
Izinketho zeIntshumo yezempilo
Kukho iinketho ezininzi kwiimfuno zomshuwalense wakho wezempilo ngokusebenzisa isiCwangciso seBlue Cross Blue Shield kungakhathaliseki ukuba imeko yakho yentsapho okanye uhlahlo lwabiwo-mali. Nazi ezinye zezicwangciso ezidumileyo kunye neerks.
I-HSA ne-FSA Akhawunti
Izicwangciso ze-FSA zilungelelaniso lweentsapho ezinomlinganiselo ohlahlo-mali kodwa othe wafuna ukuthenga umgaqo-nkqubo we-inshorensi yempilo . I-FSA yi-akhawunti apho ungayigcina imali engenahla yerhafu ukufaka isicelo kwi-inshurensi yempilo yakho okanye enye iindleko ezihambelana ne-inshurensi yezempilo. Unokubangela ukuba imali yakho inqunywe ngqo kwi-paycheck yakho xa ukhetha.
I-Blue Cross Blue Shield inebhanki layo elilawula esi sicwangciso. YiBhanki yezeMpilo yeBlue. Ibhanki inceda amalungu kunye neentlawulo, ukuhoxiswa kunye nayiphi na enye imibuzo okanye uncedo olufunekayo.
I-akhawunti ye-HSA ifana neFSA, kodwa imali ingasetyenziselwa kuphela iindleko ezifanelekileyo zempilo. Abantu abaninzi basebenzisa la ma-akhawunti ukugcina imali ukuze bafake isicelo somgaqo-nkqubo ophezulu. Inzuzo unako ukusindisa imali kwi-deductible kwaye ujonge nexabiso eliphantsi le-premium ye-inshurensi yempilo yomshuwalense. Iiplani ze-HSA zithathelwa irhafu .
Izilungiso zeMpilo yeNtlawulo (HRA)
Esi sicwangciso sabaqeshi abangenako ukukwazi ukubonelela ukubonelela ngeenkonzo ezipheleleyo zempilo kubaqeshwa kodwa bafuna ukunika uhlobo oluthile lwenzuzo yezempilo. Isixa semali esanduleleko siya kuhlawulwa kubaqeshwa ngeendleko zonyango ezikhethekileyo yena okanye intsapho yakhe kuquka imiyalelo, iintlawulo zentsebenziswano okanye ezinye iintlobo zeendleko zonyango.
HMO kunye nePPO Plans
I-Blue Cross Blue Shield icebo le-HMO livumela ukuxhomekeka ngokubanzi kwezonyango kwiindleko eziphantsi ngokuba ngamalungu asetyenziswa kuphela ngababoneleli ngaphakathi kwintlangano yolondolozo lwempilo . Ukulondolozwa ngokusebenzisa isicwangciso se-HMO sinokubaluleka kakhulu. Isicwangciso sePPO sifana kodwa sinikezela ngokunyanisekileyo. Nge-PPO, unokuphuma ngaphandle kwenethiwekhi ukwenzela inkonzo, nangona zingaphantsi kwezi ndleko ziya kugutywa.
IiNkonzo zeLungu
I-Blue Cross Blue Shield inikezela ngamancedo amaninzi amancedo kumalungu ayo. Ukusuka kwiwebhusayithi unokufumana iimpendulo zakho, ufumane iindleko zenkqubo yezokwelapha, ubuyekeze iinkcukacha zakho zesicwangciso, wenze utshintsho kwi-coverage yakho, ufake ibango, khangela imeko yokubango, hlaziya ibhalansi yakho, fumana ikhadi le-ID yelungu kwaye ufikelele kuzo zonke iinzuzo zakho kunye neenkonzo. Unokufumana kwakhona i-Blue Cross Blue Shield Inkampani yakho ngokufaka abalinganiswa bokuqala abathathu kwikhadi le-ID yelungu lakho. Ukuba awukho ikhadi lakho lobulungu elikhoyo, ungaphinda ukhangele inkampani yasekhaya ye-BCBS ngokungena kwi-state okanye ikhodi yakho.
Iinkonzo
- Uninzi lwababoneleli bezempilo kunye noogqirha baya kwamkela i-Blue Cross Blue Shield Insurance
- Inkampani efakwe kakuhle enegunya eliphezulu kakhulu lwezezimali
- Izicwangciso zonyango lwezempilo kunye nezicwangciso ze-HSA zikhoyo
Umxhasi
- Akukho ulwazi oluninzi kwiziko lewebhu malunga nemveliso ye-inshorensi, ngolwazi oluthile, kufuneka uvakashele iwebhusayithi zeenkampani ngamnye.
- Inkampani inkulu kakhulu kwaye abanye bacinga ukuba akukho nkonzo yabathengi ngokwaneleyo.
Iinkcukacha zoqhagamshelwano nenkampani
Ukufumanisa indlela yokuqhagamshelana ne-Blue Cross Blue Shield Inkampani kwiinkcazo zempilo yomshuwalense kunye nolwazi malunga nemveliso yalo yomshuwalense, unokutyelela iWebroad Cross Shield Association website okanye ubize i-888-630-BLUE (2583).