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Federation of independent health insurance companies serving millions of Americans nationwide.
Blue Cross Blue Shield Association consists of independent insurance companies operating across all U.S. states. Members benefit from one of the country's largest healthcare provider networks with plans for individuals, families, employers and Medicare beneficiaries.
3 plans available — compare coverage, premium, and key features.
Accepted at 96% of hospitals and doctors across all 50 states
Key Features
Lower monthly premiums with access to BlueCard network
HSA-compatible high-deductible plan with nationwide PPO access
Step-by-step claim process for Blue Cross Blue Shield.
Visit an in-network healthcare provider and receive eligible medical treatment.
The healthcare provider or policyholder submits the claim with the required medical documentation.
The insurer reviews coverage, verifies policy benefits and processes the submitted claim.
After approval, the insurer pays the healthcare provider directly or reimburses the policyholder according to policy terms.
Blue Cross Blue Shield is ideal for people who value nationwide provider access and a wide variety of health insurance options.
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BCBS is a federation of 33 independent local companies sharing the brand. Each operates in its own state or region.
Yes, the BlueCard program lets you use your BCBS coverage at in-network rates with most providers in all 50 states.
Most BCBS plans include prescription drug coverage with a tiered formulary. Check your specific plan for covered medications.
You can request a new card through your local BCBS member portal or mobile app at no charge.
Yes, thanks to the BlueCard program, members can access in-network care through local Blue Cross Blue Shield plans nationwide.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Ratings and figures are based on publicly available company disclosures and state insurance department filings. Finzony is not an insurance broker or agent. Verify all details on the official Blue Cross Blue Shield website before purchasing.
Key Features
Key Features