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Blue Cross Blue Shield (BCBS) is an association of insurance companies in the United States that offer Medicare Advantage in every state, Washington D.C., and Puerto Rico. Glossary of Medicare terms
In 1946, HMSA joined the Blue Shield Association. During the 1950s, HMSA introduced a Major Medical Plan to help protect against the cost of catastrophic illness. [4] In the 1960s, HMSA developed health plans for senior citizens, college students, and the unemployed. Drug, dental and vision plans, and preventive benefits, were introduced.
In the group model, the HMO does not employ the physicians directly, but contracts with a multi-specialty physician group practice. Individual physicians are employed by the group practice, rather than by the HMO. The group practice may be established by the HMO and only serve HMO members ("captive group model").
Location. Plan. Premium. Dental coverage. Maximum cost for health services. Kaiser Permanente Senior Advantage Basic (HMO) $0. preventive and comprehensive (with limits)
PPO. The Preferred Provider Organization plan is the most popular for those with employment-based insurance (currently 47% of them, in fact). PPOs allow the most flexibility in that people can ...
Blue Cross and Blue Shield insurance companies are licensees, independent of the association and traditionally of each other, [16] offering insurance plans within defined regions under one or both of the association's brands. Blue Cross Blue Shield insurers offer some form of health insurance coverage in every U.S. state.
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