Blue Cross Blue Shield Association


Blue Cross Blue Shield is a unique part of the health insurance market, as they are not one sole company, but 38 individually operated and owned companies under one organization. The Blue Cross and Blue Shield Association (BCBSA) is a federation that blankets the member companies it represents. In the majority of the country, plans from a Blue Cross Blue Shield company are usually the best choice for the individual health market.  Some of these companies also enjoy some competitive advantages in certain states, as they operate as non-profits. Others are for-profit, which doesn’t change the drastic number of enrollees – now exceeding 100 million throughout the nation.

The Blue Cross Blue Shield System is comprised of 38 independently operated Blue Cross Blue Shield member companies, a Federal Employee Program and an Association, dedicated to the overall needs of the Blue Cross Blue Shield plans. Individual and family coverage is available in all 50 states, the District of Columbia and Puerto Rico, giving its members access to the best in local care for a low cost. The Federal Employee Program provides group coverage options for businesses through the Blue Cross Blue Shield System.

Additional Benefits for Plan Members

Pharmacy Network

When using the in-network pharmacy, you have the option of saving significant amounts of money. The Preferred Pharmacy Network offers the greatest savings on prescriptions to Blue Cross members and their families.

Incentive Plan

An incentive plan is a way for members to take charge of their medical care and their family’s well-being. Standard and Basic Option members can sign up for a debit card, which rewards plan members for making an effort to maintain good health. It is possible to earn up to $50 on a card designed for encouraging physical health and well-being. More incentive programs are available for smoking cessation, generic pharmacy, and Diabetes care.

Online Health Tools

As with most health insurers, your local Blue Cross Blue Shield company site makes it possible to personalize your health care, manage your plan, and even look up your blood pressure online.

Discounts and Free Services

Programs are in place to help you take control of your health and give you the necessary tools to maintain a healthy lifestyle, which usually means more frequent trips to the doctor. Blue Cross Blue Shield understands this is a lifelong investment and offers discounts and free services to assist in the process of staying in good health.

Vision Care

Plan members also have access to an additional vision program that supports vision care and providing the best services for those who need it.