– JC Lewis Insurance

Anthem Blue Protect and Blue Cross is one entity that gives medical health insurance protection in lots of states.

Not so in California.

Their web site notes that the Blue Cross Blue Protect System is made up of 35 unbiased and regionally operated corporations. In actual fact, the varied commerce names for the Blue Cross Blue Protect Affiliation corporations differ in sure states. And, in California, Anthem Blue Cross and Blue Protect of California are literally separate and competing corporations.

In keeping with the company write-up in Wikipedia,

“Blue Cross Blue Protect Affiliation is a federation of 35 separate United States medical health insurance corporations that present medical health insurance in the US to greater than 106 million individuals.”

A Take a look at Anthem Blue Cross

As we famous right here, Anthem Blue Cross is the commerce identify of Blue Cross of California, a part of the Anthem Blue Cross Blue Protect, or Anthem BCBS, system.

Anthem Blue medical health insurance affords inexpensive well being protection for members in California, in addition to dental and imaginative and prescient protection.

Because the California subsidiary of Anthem, Inc., Anthem Blue Cross is a separate firm from Blue Protect within the state of California. The insurance coverage supplier affords HMO, PPO, EPO, and Well being Financial savings Account (HSA) suitable plans for small teams, giant teams, and seniors. Worker group members are supplied built-in well being care and intuitive on-line instruments.

Anthem is the second-largest medical insurance coverage supplier within the U.S. for complete members, with over 40 million lined, and was given an A ranking from A.M. Finest in 2021. Their community consists of 330 acute care hospitals, in addition to 52,874 contracted physicians and specialists.

Anthem’s PPO networks are intensive and embrace most medical doctors and hospitals. With over 8.3 million members simply in California, Anthem Blue Cross gives protection for extra Californians than some other medical health insurance supplier within the state.

HealthForCalifornia.com notes,

“Anthem has made strides to strengthen doctor partnerships, together with these serving the agricultural Amador, Monterey, Shasta, Humboldt, Sutter, and Butte counties. It’s also working to enhance its supplier record so that buyers obtain correct data on present suppliers which can be obtainable and can be lined.

And now, with its BlueCard program, EPO members that journey the U.S. may have entry to a large community of medical doctors and hospitals.”

As well as, Anthem has been part of California’s well being alternate, Coated California, for the reason that starting of the Reasonably priced Care Act in 2014.

Contemplating Blue Protect of California

In distinction to Anthem Blue Cross, a for-profit firm, Blue Protect of California is a not-for-profit well being plan that was based in 1939 and headquartered in San Francisco. Blue Protect at present serves over 3 million members in California.

Blue Protect of California is the third-largest well being plan within the state after Kaiser and Anthem Blue Cross and earned an A ranking from A.M. Finest in 2021.

As a not-for-profit company working solely in California, Blue Protect of California affords protection for people, small and enormous teams markets, in addition to Medicare supplemental plans and Medicare Benefit plans.

The corporate factors out that,

“With Blue Protect, you could find the protection on the worth that’s inexpensive for you. Blue Protect additionally affords monetary help, and if you happen to qualify, you could obtain assist with paying your protection by means of Coated California.”

Blue Protect’s small group plans are well-priced; nonetheless, enterprise homeowners can solely supply a full community or slender community possibility, however not each networks.

Blue Protect of California can also be considered one of solely two most popular supplier organizations to supply plans to all California ZIP codes and counties. In keeping with the corporate, Blue Protect of California HMO plan members have entry to greater than 29,700 medical doctors and 300 hospitals, whereas their PPO plan members have entry to greater than 49,700 medical doctors and 350 hospitals.

As a nonprofit well being plan supplier, in 2011, the corporate pledged to take solely two % of their internet earnings as income and provides the remaining again to their members and group. Since making this pledge, Blue Protect has returned greater than $560 million.

Anthem Blue Cross Blue Protect – California Type

As a result of these two medical health insurance California opponents are a part of the identical company affiliation, their premiums are usually comparable. Relying in your area, Anthem Blue Cross or Blue Protect of California may supply inexpensive well being plans.

Nevertheless, total, the charges are usually about the identical. The principle benefits are the scale of their networks.

Bear in mind, too,  you could solely see medical doctors inside your HMO’s community with an HMO plan. You’ll sometimes have a major care physician and a medical group who refers and coordinates your care to specialists when wanted.

With PPO plans, however, you’ll be able to select to see out-of-network medical doctors. Nevertheless, remember that you’re chargeable for managing and paying the fee for any out-of-network visits.

Primarily, each Anthem Blue Cross and Blue Protect of California are constantly well-rated, comparatively inexpensive, and each supply intensive protection in California.

On the subject of the supply of Anthem Blue Cross and Blue Protect of California, each corporations are a part of the Coated California plans, within the state’s well being alternate program, and each supply inexpensive medical health insurance plans.

Suppose you want to select between these two main well being care insurance coverage suppliers for your self and for you and your loved ones. In that case, it’s at all times useful to hunt the recommendation of an skilled medical health insurance agent, like the parents right here at J.C. Lewis Insurance coverage.

J.C. Lewis Can Assist You in Selecting the Finest Well being Care Protection

J.C. Lewis Insurance coverage, a long-time native and family-owned agency based mostly in Sonoma County since 1979, is made up of a staff of knowledgeable brokers that supply particular person and household medical health insurance plans.

We additionally present small enterprise and particular person medical health insurance plans from solely the main medical health insurance carriers which can be licensed to do enterprise in California.

Along with being skilled, skilled brokers, we’re licensed and licensed by every of those insurance coverage carriers to supply protection to people, households, and small group employers along with Medicare supplemental and prescription drug plans for seniors.

Whenever you’re purchasing for imaginative and prescient, dental, or medical health insurance in your staff or for you and your loved ones, you in all probability have a number of questions and issues.

At J.C. Lewis Insurance coverage Companies, we welcome your questions about insurance coverage protection, and you’ll be assured that we’ll assist you to discover the correct answer.