Company Profile :
BlueCross/BlueShield of Missouri (BCBS) is the largest health insurance company in the state of Missouri, the US, serving approximately 1.1 million members for over 69 years.Products and Services :
The health care plans offered by BlueCross BlueShield of Missouri include:
1. Plans for Individuals and Families:
- Alliance Individual (offering freedom to choose any doctor or hospital, low out-of-pocket costs if the insured chooses network providers, access to one of the largest networks of providers in Missouri)
- BlueCHOICE Individual (offers benefits for wellness and preventive care)
- RateSaver (offering low rates to Missourians who do not require extensive health care coverage)
- AllianceChoice Individual (provides affordable health care coverage for individuals and families in the St. Louis metropolitan area)
- Hospital/Surgical Plan (protects against the high costs of inpatient care and surgery)
- HSA-Compatible Medical Plan (provides more flexibility and control over health care spending)
- HSA-Compatible Hospital/Surgical Plan (an affordable high deductible health plan that protects against the high costs of inpatient care and surgery)
- Short-Term Medical Plan (Suitable for those who are waiting for other coverage to become effective, graduating from college and in need of temporary benefits,a nd others)
- Blue Horizons Medicare Supplement Plan (pays for deductibles and coinsurance that Medicare doesn't cover. This includes six plans to choose from: Plan A, Plan B, Plan C, Plan D, Plan F and SmartChoice High-Deductible Plan
- Blue Horizons SmartValue Private Fee-For-Service Plan (offering Medicare beneficiaries in certain counties)
- Blue MedicareRx, Medicare Part D Prescription Drug Plans (There are available three new Medicare Prescription Drug Plans (Part D) to fit different needs and budgets. These plans offer coverage for generic and brand name drugs, nationwide network of pharmacies, and plans with no deductibles)
- DentaBlue Individual (Up to age of 65 years) and DentaBlue Senior (for age of 65 years and older) Plans (designed for individuals, families and seniors to receive dental care and treatment whenever needed)
2. Employer and Group Insurance Plans:
- Alliance PPO (offers flexible benefit design and optional benefits for preventive care for employers and employees)
- BlueCHOICE HMO (offers extensive benefits, including preventive care and wellness programs)
- BlueCHOICE POS (combines extensive coverage of a HMO with the flexibility to receive substantial benefits for certain care outside the network)
- AllianceChoice (Ideal for St. Louis area employers and their employees, it provides freedom to choose providers without a physician gatekeeper)
- Hospital/Surgical Plan (protects employees in case of unexpected illness or accident which requires costly inpatient hospital care or surgery)
- HSA-Compatible Medical Plan (provides employees more flexibility and control over their health care spending)
- DentaBlue (designed for employees and their families to receive dental care whenever required)
- Besides, the Healthy Alliance Life Insurance Co. (an affiliate of BlueCross BlueShield of Missouri) offers:
- Basic employee term life/AD&D
- Dependent term life Insurance
- Short-term disability Insurance
- Long-term disability Insurance
- Voluntary group employee term life Insurance
- Voluntary dependent term life Insurance
- Voluntary group short-term disability Insurance
3. Healthy Extensions Discount Services including:
- Healthyroads
- Vision care Plan (including EyeMed Vision Savings, Crown Optical, Unity Health Eye Care Network)
- Hearing aid Plan (including HearPO)
- Eldercare Planning (including SeniorLink, Dynamic Living)
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