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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
Scheduled health insurance plans are an expanded form of Hospital Indemnity plans. In recent years, these plans have taken the name mini-med plans or association plans. These plans may provide benefits for hospitalization, surgical, and physician services. However, they are not meant to replace a traditional comprehensive health insurance plan.
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.
According to the US Census Bureau, about 9% of Americans are covered under individual health insurance. [1] In the individual market, consumers pay the entire premium without an employer contribution, [2] [3] and most do not receive any tax benefit. [4] The range of products available is similar to those provided through employers.
Health insurance coverage is provided by several public and private sources in the United States. Analyzing these statistics is challenging due to multiple survey methods [12] and persons with multiple sources of insurance, such as those with coverage under both an employer plan and Medicaid.
This Act includes an 'individual mandate' that every American must have medical insurance (or pay a fine). Health policy experts such as David Cutler and Jonathan Gruber, as well as the American medical insurance lobby group America's Health Insurance Plans, argued this provision was required in order to provide "guaranteed issue" and a ...
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