ʻO ka Blue Shield Blue Shield i ka makahiki 1929 i ka wā i hoʻomaka mua aiʻo Justin Ford Kimball i kahi hui inikua kino no nā kumu. Ua kapaʻiaʻo iaʻo Blue Cross. ʻO ka Blue Shield he mea hana hoʻopiʻi mua ia no nā poʻe hana o nā kahua minia ma ka Pākīpika Komohana. Hoʻolilo nā mea hana i kā lākou uku kālā i nā hui lapaʻau no ka hana limahana. E hui ana kēia mau huiʻelua a i ka makahiki 1982,ʻo ka inoa o ka hui i lilo i Blue Cross Blue Shield.
Aia kahi keʻena poʻokela o ka hui ma Chicago, Illinois. ʻO Scott Serota ka Pelekikena a me Luna Nui. ʻO ka loaʻaʻana o nā kālā āpau o ka Blue Blue Blue Shield i $ 320 miliona. Ma o ka hoʻoikaikaʻana o nā hui he 39 a pau,ʻo ka Blue Cross Blue Shield Association he mau hoʻolaulehua olakino ola e loaʻa ana ma nā moku'āina he 50, ka District of Columbia a me Puerto Rico.
ʻO Blue Cross Blue Shield ka mea hoʻolako no ka Hoʻolālā Huakaʻi Ola Haulepa. ʻO ka PolokalamuʻOhana Hoʻolālāʻo ia ka mahele hoʻolālā ola ola nui loa i ka honua.
ʻO Blue Cross Blue Shield kekahi mea hana hoʻolaha Medicare no ke aupuni aupuni a me nā hana iʻoi aku ma mua o 190 miliona mau noi mai nā halemai i kēlā me kēia makahiki. Loaʻa he mau hui lōkahi o ka moku'āina a me nā hui nui o WellPoint, CareFirst, The Regence Group, a me ka Health Care Service Corporation.
Ka ikaika kālā a me ka hōʻailona o nā mea lawelawe
Ma muli o ka Blue Cross Blue Shield Association, aia he 39 mauʻinikua i hoʻokaʻawaleʻia,ʻaʻohe puʻuwai kūlana waiwai i hāʻawiʻia e ka hui kuhi kālā. Eia naʻe, ua kohoʻo AM Best i ka hapa nui o nā hui Blue Shield Blue Shield me ka "A +" maikaʻi loa.
Me nāʻoihana likeʻole 39, eʻokoʻa ana nā pane helu o nā mea kūʻai ma muli o kēlā me kēia hui e hoʻohana neiʻoe. Aia ka Insure.com i ka nānā i kaʻikepili i nā malihini no nāʻokoʻa likeʻole e like me ka heluʻana o 60% a 80% o ka heluʻana o nā mea kūʻai. ʻO ka Better Business Bureau he mau papa inoa no kēlā me kēia wahi Blue Cross Blue Shield wahi.
Kōmike Insurance Options
Nui nā koho no kāu mauʻinikua olakino ola ma waena o ke kiʻi Blue Shield Blue Shield ma muli o ke kūlana o kaʻohana a iʻole kāu kālā. Eia kekahi mau papahana i kaulana loa me ko lākou hulina.
HSA a me FSA Pūnaewele
He mea nui nā hoʻolālā FSA no nāʻohana me ka palenaʻole o ka'elekema akā ponoʻole lākou e kūʻai i ke kulekele olakino olakino . ʻO ka FSA kahi helu kahi e hiki ai iāʻoe ke mālama i kaʻauhauʻole o ke kālā e noi ai i kāu hōʻailona laikini olakino a iʻole nā kālā e pili ana i ka hoʻokele. Hiki iāʻoe ke lawe pololei i kāu kālā mai kou uku uku mai inā kohoʻoe.
ʻO ka Blue Shield Blue Shield kona waihona pono'ī e lawelawe nei i kēia kumumanaʻo. ʻO ka Baila Blue Bank. Hiki ke kāleka e kōkua i nā lālā me ka waihona, kāpae a me nā nīnau'ē aʻe a iʻole nā kōkua e pono ai.
Ua like ka helu HSA me ka FSA, akā, hiki ke hoʻohanaʻia ke kālā no nā hoʻolimalimaʻana i ka lāʻau. He nui ka poʻe e hoʻohana nei i kēia mau moʻolelo no ka mālamaʻana i ke kālā e pili ai i kahi kulekele kiʻekiʻe. ʻO ka pōmaikaʻi ka hiki iāʻoe ke mālama i ke kālā i kahi mea hikiʻole ke unuhiʻia a ke hauʻoli nei hoʻi i ka uku kumukūʻai haʻawina o kahi hoʻokele waiwai hoʻokele waiwai kiʻekiʻe. Hiki ke hoʻokuʻiʻia ka hoʻolālā HSA .
Nā Hōʻaihoʻi Paipai Ola (HRA)
He papahana kēia no nā poʻe hana iʻole hiki iā lākou ke hāʻawi i nā pono hauʻoli piha i nā limahana akā makemakeʻole lākou e hāʻawi i kekahiʻano o ka waiwai maikaʻi. E ukuʻia kahi kālā nui i hoʻoholoʻia i mua o ka poʻe limahana no nā kālā kālā kūikawā no kona a me konaʻohana paha, me nā palapala kauoha, nā pānaʻi kālā a me nāʻano pilikino'ē aʻe.
HMO a me PPO Plan
ʻO ka Blue Shield Blue Shield HMO hoʻolālā e hiki ai i ka hōʻailona koʻikoʻi i nā koina liʻiliʻi ma o ka hoʻohanaʻana o nā lālā i nā mea hoʻolako i loko o ka hoʻoponopono mālama ola . ʻO ka hoʻoliloʻana ma ka hoʻohanaʻana i kahi hoʻolālā HMO he mea nui loa. ʻO keʻano o ka hoʻolālā o ka PPO akā he hāʻawiʻana i ka loli hou. Me kahi PPO, hiki iāʻoe ke hele i waho-o ka pūnaewele no ka lawelaweʻana, akā e emiʻole ka hapa o kēia mau lilo.
Nā lawelawe kōkua
ʻO ka Blue Shield Blue Shield e hāʻawi ana i nā lawelawe kōkua nui no kona mau mea kuleana. Mai ka pūnaewele hiki ke loaʻa iāʻoe kāu mau pane, eʻike i ke kumukūʻai o ke kaʻina hana lapaʻau, e nānā i nā kiko'ī o kāu hoʻolālā, hoʻololi i kāu kākoʻo, waiho i kahi koi, nānā i ke kūlana o kahi koi, nānā i kāu koena, ae komo i kāu mau pono a me nā lawelawe. Hiki iāʻoe keʻike i kāu Blue Cross Blue Shield Company ma ke komoʻana i nā mea houʻekolu mai kāu kāleka ID. Ināʻaʻole kāu pepa kāleka i loaʻa, hiki iāʻoe keʻimi hou i kahi kamupene BCBS ma ke komoʻana i kou moku'āina aiʻole ka helu kuhi.
Nā mea pāʻani
- Eʻae ka hapanui o nā keʻena mālama ola a me nā kauka i ka Blue Cross Blue Shield Insurance
- Kamaliʻi kūpaʻa maikaʻi me ka ikaika maikaʻi kālā
- Aia kekahi mau hana hoʻolālā olakino a me ka papa hana HSA
ʻAi
- ʻAʻole nui kaʻike ma ka pūnaewele punaewele e pili ana i nā huahana inikua, no nāʻike kiko'ī, ponoʻoe e kipa i nā pūnaewele pūnaewele pūnaewele.
- He nui loa ka hui a manaʻo kekahi no ka lawaʻole o ka lawelawe kanaka lawelawe.
KaʻIke Kūkākūkā Hui
No kaʻikeʻana pehea e launa aku ai i kahi Blue Shield Company Blue Cross i loaʻa no nā hua'ōlelo inikua ola kino a me nāʻike e pili ana i nā huahana inikua, hiki iāʻoe ke kipa i ka pūnaewele Blue Shield Association o Blue Cross a i kapaʻiaʻo 888-630-BLUE (2583).