Difference Between Blue Cross of California and Blue Shield of California?
Nov 29th, 2007 13:44
Dennis Alexander, http://www.getmymedical.com
Blue Cross of California and Blue Shield of California are separate,
competing companies that offer comprehensive plans at the Individual
and Small Group level.
Provider Networks Both companies have extensive doctor and hospital
lists with 48,000 doctors and 400 hospitals up and down the state.
Typically the lists overlap with doctors/hospitals participating in
both. Occasionally there will be a doctor who participates with one
company but not the other so it's best to check on your doctor. Online
Financial Strength This really is the main reason to go with
the "Blues". Smaller or less efficient carriers are having
difficulties with some filing for Bankruptcy. If you are with a
smaller carrier that is offering significantly reduced costs, they
almost definitely raise rates, lower benefits, and/or leave the market
entirely. If you have developed health conditions, the other carriers
will not pick you up at that time. Blue Cross of California is owned
by Wellpoint, named the most admired health care carrier in the nation
three years in a row. Blue Shield is a close second.
Plans Both companies offer a wide range of plans. Take a look at Cross
for their Right Plan, Tonik ,Share PPO plans, Basic 1000 ( low cost
hospital plan). Shield has done well with the HSA qualified Preferred
Savings plans and new Essential plans. Click here to see how the Share
plans and the Preferred Savings differ.