Is there a difference between Blue Cross Blue Shield?
Asked by: Geovanni Ankunding | Last update: October 5, 2025Score: 4.9/5 (13 votes)
What is the difference between standard and basic Blue Cross Blue Shield?
With FEP Blue Basic, you can enjoy no deductible with care from in-network providers. FEP Blue Standard gives you the flexibility to receive care both in and out-of-network. For more information about the differences between the three plans, you can: Visit the Compare Our Plans page.
How do I know which Blue Cross Blue Shield insurance I have?
If you forget or aren't sure what type of health insurance plan you have (like an HMO or PPO), you can find out on your BCBS ID card. If you have an HMO, your card may also list the physician or group you've selected for primary care.
Is BCBS the same in every state?
BCBS is a federation of 36 independent health insurance companies, each serving specific states or regions. While BCBS-affiliated insurers offer health plans nationwide, the details of coverage, including plan types, premiums, and benefits, can differ by state due to local regulations and market conditions.
Are all Blue Cross Blue Shield the same?
Blue Cross Blue Shield is NOT a Single Health Insurance Company. Rather, There are 36 Different Blue Cross Blue Shield Companies that are Part of as Association. Anthem is the Largest of all the Blue Cross Companies.
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Which company has the best Medicare Advantage plan?
- Best Overall, Best for Low Costs: Cigna.
- Also Great for Low Costs: Alignment Health.
- Best for Nationwide Coverage: Aetna.
- Best for Patient Experience, Best for Drug Coverage: Kaiser Permanente.
- Best for Special Needs Plans: Humana.
Why choose Blue Cross Blue Shield?
In every ZIP Code, Blue Cross and Blue Shield companies offer a personalized approach to health care based on the needs of the communities where their members live and work. They work closely with hospitals and doctors in the communities they serve to provide quality, affordable health care.
What happened to Blue Cross Blue Shield?
Court issues preliminary approval of $2.8 billion Blue Cross Blue Shield provider settlement. A $2.8 billion settlement from Blue Cross Blue Shield to health care providers resolving a 12-year antitrust lawsuit received preliminary approval yesterday from the U.S. District Court for the Northern District of Alabama.
Is Blue Cross Blue Shield good in all states?
Every Blue Cross Blue Shield plan participates in the BlueCard program that allows you to use your plan benefits to access care anywhere inside the United States.
Does Blue Cross cover dental?
BCBS FEP Dental offers more benefits that make you smile:
Preventive care is paid in full, including up to three cleanings a year, when you use a dentist in our network. A large nationwide network with over half a million dentists and their locations. No deductible for services like fillings and root canals.
What is the difference between a PPO and a HMO?
HMOs (health maintenance organizations) are typically cheaper than PPOs, but they tend to have smaller networks. You need to see your primary care physician before getting a referral to a specialist. PPOs (preferred provider organizations) are usually more expensive.
How do I know if my BCBS is Medicare?
Some employers offer BCBS Medicare coverage to their eligible retirees. To find out if you are eligible, reach out to your company benefits representative.
How do I know what type of Blue Cross Blue Shield plan I have?
Various logos may be displayed on member ID cards for Blue Cross Blue Shield (BCBS) Plans in the United States and International Licensees licensed through BCBSA. Member ID cards may include one of the logos below that identify the type of coverage the member has and/or indicate the provider's reimbursement level.
Is Blue Cross cheaper than Blue Shield?
Depending on your region, the cheapest California health plan might be offered by Anthem Blue Cross or by Blue Shield of California. However, the rates tend to be about the same. The big difference is network. Which plan offers the most doctors, hospitals and medical provider networks?
Is Blue Cross Blue Shield Basic a PPO?
The Basic plan from BC Life & Health is a PPO that covers you for hospital care and other expensive health services.
Is Blue Shield the same as Blue Cross Blue Shield?
In 1982, Blue Shield merged with The Blue Cross Association to form the Blue Cross and Blue Shield Association (BCBS). Prior to 1986, organizations administering BCBS were tax exempt under 501(c)(4) as social welfare plans.
Why is Blue Cross Blue Shield being sued?
The lawsuit alleged a range of antitrust violations by BCBS, including price fixing and allocating markets using exclusive service areas.
Who is buying out Blue Cross Blue Shield?
Elevance Health's $2.5 billion acquisition of Blue Cross and Blue Shield of Louisiana (BCBSLA) is on pause yet again amid concerns about the impact on competition.
What is the best healthcare insurance?
Investopedia's analysis ranks Kaiser Permanente as the best health insurance company for 2025 because of its blend of affordability and low customer complaints. UnitedHealthcare and Aetna also earned top marks. We evaluated nine insurers using dozens of criteria, such as customer satisfaction, plan types, and costs.
Is Blue Shield PPO or HMO better?
HMO plans are generally less expensive than PPO plans, with lower monthly payments, making them ideal if your favorite doctors are already in the network, or if you receive most of your care close to home.
Why are people leaving Medicare Advantage plans?
Key takeaways: People leave Medicare Advantage plans because out-of-pocket costs vary between plans, network restrictions can cause frustration, prior authorization requests can delay care, and it can be difficult to use the additional benefits they provide.
What is the best medicare plan that covers everything for seniors?
Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.
What are the 6 things Medicare doesn't cover?
- Eye exams (for prescription eyeglasses)
- Long-term care.
- Cosmetic surgery.
- Massage therapy.
- Routine physical exams.
- Hearing aids and exams for fitting them.