Blue Cross Blue Shield of Tennessee
There are over 2.3 million residents of Tennessee who are receiving health insurance plans from Blue Cross Blue Shield of Tennessee, and have become one of the most trusted and used names in the industry. The company has over 60 years of experience serving the community, and they pride themselves on understanding the health needs of the residents. There are health plans tailored for individuals, families, seniors and groups, large or small. They also offer plans that have optional prescription drug coverage, making medications for affordable.
The Blue Cross Blue Shield of Tennessee strongly believes in its mission to provide the most accessible and affordable high quality care to its members. Along with these affordable plans, the company has created a large network of highly skilled professionals and hospitals. The plans that BCBS of Tennessee offers are a sort of split between comprehensive long-term, and consumer driven options which give the members more control over their dollars spent on health care. The company headquarters are located in Chattanooga.
The Association
The Blue Cross and Blue Shield Association is make of up a number of independent companies with each their own solutions and packages. The association was officially formed in 1982 when the Blue Cross Association and the Blue Shield Association merged. While the Blue Shield plans are focused on insuring the cost of Doctor Care, the Blue Cross is focused on Hospital care coverage. Combined, the Association insures over 98 million Americans across the nation. Statistically this makes up about one in every 3 Americans choosing Blue Cross Blue Shield companies.
The BCBS of Tennessee Health Foundation
The Health Foundation was created in 2003, as a way of supporting research and health care developments, as well as efforts and initiatives that promote improved health and wellness in the local community. The BCBS Health Foundation provides grants and makes donations to programs that support the improvement of health care and wellness. Here are some of the issues the foundation is currently involved in:
- Uninsured Americans
- Childhood obesity
- Infant mortality
Over $2.6 million in grants and donations were made in 2006 to education programs and other development programs for children, charitable organizations, minorities, and the uninsured.
CareFirst Blue Cross Blue Shield
CareFirst Blue Cross Blue Shield is based in the Mid-Atlantic region and is the largest in the area, with over 3 million members. It operates in Maryland, DC, and northern Virginia.
Health Plans from CareFirst
CareFirst Blue Cross Blue Shield offers a large number of health insurance plans that are flexible and can be designed to fit specific needs. The company specializes in all plan types, for individuals, families, seniors, and any size group. The family and individual plans range from BlueChoice HMO to the BluePreferred PPO to POS plans. They also offer plans that are similar in nature to the Health Savings Accounts.For businesses, the company has a broad range of plan choices. The workforce can receive HMOs, Pps, and POS plans. The employers can also choose the plans that allow their employees to open Health Savings Accounts. There are also dental plans along with vision plans, and also the traditional indemnity plans offered.
CareFirst Blue Cross Blue Shield History
In 1934, there was a hospital association from what was called Group Hospitalization, Inc. in Washington D.C. It eventually started using the Blue Cross symbol in 1942. Six years later, a group of physicians in DC founded the Medical Service of the District of Columbia, and started to use the Blue Shield name soon after. In 1971, these two companies which were operating separately before, opened up a central office together and became known as the Blue Cross Blue Shield of Maryland.
The name change occurred in 1998, which was seven years after the Maryland Blues took on the CareFirst Health Plan. From then on, the name became the CareFirst Blue Cross Blue Shield. Today, CareFirst Blue Cross Blue Shield has become a leader in the industry, as a non-profit insurer, serving Maryland and D.C. Residents.
CareFirst Initiative
CareFirst has a commitment to provide affordable access to health care without compromising quality, in each community they serve. This was the catalyst to creating the CareFirst Commitment. The goal of it is to:
- Advocate for patient safety
- Improve health care quality
- Improve access to health care for racial and ethnic communities
- Keep health care and insurance costs affordable
Celtic Insurance Company
The Celtic health Insurance company is based out of Chicago, and provides individual health plans for Americans in all states. They have a membership of more than 90,000.The plans that Celtic Health Insurance provides are tailored for individuals, families and children. They include affordable and comprehensive protection, short term plans and Health Savings Account plans.
Celtic is unique in that it does not offer plans for groups. It has become very popular for this specialization, and its affordability. The offer PPO plans which provide access to a preferred network of physicians and hospitals. There is also a PPO called “Any Doc” which gives customers the choice to use any health professional and still fully insure it. This is one of the rare attributes that customers enjoy from Celtic health insurance; they are willing to ensure with full coverage if a member uses out of network providers. They are also licensed in all but one of the fifty states.
Celtic Insurance Company History
Celtic was founded in 1978 and initially offered both individual and group plans. After noticing that the interest in group plans was growing shorter, the company decided to focus all its efforts on individual health only. The company is based out of Illinois, with headquarters located in Chicago.
Today Celtic is a company that works hard to build strong relationships with past, current and future members. Customer service is very important to the company as is innovation and evolving to accommodate changing needs of the community. Their portfolio includes plans such as: Celtic Short-Term Health Plan, the CeltiCare Health Plan, the Celtic Basic Health Plan, and the CelticSaver has plan. AM Best ranked Celtic at an 'A' (Excellent) because the company was recognized as being able to meet the needs and obligations of its clients, and for responsible business operations.
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