Blue Cross Blue Shield Federal

By Author: Cameronwhitee
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In US, blue shield and blue cross association is the major insurance provider. It consists of totally 39 different kinds of health insurance organizations and companies, all these companies work together for providing best insurance plans. Primarily, blue shield and blue cross are organized as two separate companies. In 1929, blue cross association was started, while in 1939 blue shield was formed. It was founded in Texas, Waco, at Baylor University. Initially, the blue cross provides hospital services only to the teachers of the college, later it has expanded its services to other group of employees in the north Texas and also expanded internationally. The blue shield initially offers physician services only to the workers of lumber and mining industries in northwest US, even though the blue shield plan was first appeared in the California. These two associations combine together in 1982 and forms BCNSA, which we have today. Today, it is operating almost in all the states and offers family, group and individ
ual plans. The blue cross blue shield also employees a special kind of federal employee program. This program is ...
... used by numerous states for providing insurance to their federal employees.

BCBS Federal Employee Program

The federal employee program of BCBS offers two kinds of general health insurance such as standard plan and basic plan. Basic option plan is very less expensive for both a family and an individual. While the standard option has low office visit co-pays. As per 2010, for the basic plan, office visit was $25, while for the standard plan, it was $20. For outpatient and inpatient surgery, the basic option was $100 per surgeon, while the standard plan offers $300. For hospital admission, the basic plan offers up to $750, while the standard plan offers $200.

Blue Cross Federal Other Employee Plans

BCBS offers numerous federal employee services in addition to pharmacy plan. For both the standard and basic plan members, retail pharmacy service is offered, while the mail order pharmacy service is available only to the standard plan member. For using the retail pharmacy services, the members just need to show their unique ID card to the provider in BCBS network. The standard members not only make use of the provider, but also they need to pay full amount while purchasing and for reimbursement, they need to fill a claim form. Also it offers vision and dental insurance along with service benefit plans.

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