In Massachusetts people know what the brands of Blue Cross and Blue Shield mean to them, since the Blue Cross and Blue Shield of Massachusetts has served them tirelessly for several decades now. The organization that now has its headquarters in Boston has its roots embedded in the year of 1937 when a group initiated the Associated Hospital Service Corporation of Massachusetts. This later came to be known as Blue Cross. In 1939, the American Hospital Association officially recognized the Blue Cross brand. The other part of the history of Blue Cross and Blue Shield of Massachusetts holds the origins of the Blue Shield of Massachusetts that opened its doors in 1941. The latter came about due to the raging concept of prepaid medical services at that time. It was in 1988, that the two separate segments of Blue Cross and Blue Shield of Massachusetts joined hands to form the “Blue Cross and Blue Shield of Massachusetts”.
The Blue Cross and Blue Shield of Massachusetts today is an independent licensee of the Blue Cross and Blue Shield Association. Its goal is to constantly improve existing services and innovate to create new ones and strive to make each plan cost- effective. The organization also has a subsidiary that is responsible for handling all transactions concerning Health Maintenance Organization (HMO) products and services. The Blue Cross and Blue Shield of Massachusetts HMO Blue Inc is a not- for- profit organization that started its journey in 2005.
BCBSM offers health insurance to individuals and families, groups and senior citizens. Apart from this they also have a special segment of health plans that cover members in the age group of 18 to 26 years. The organization also provides dental and vision care plans. The individual and family plan category has a variety of options ranging from Get Blue, HMO Blue, Blue Care Elect and Blue Choice amongst others.
The Get Blue range of plans is affordable and covers preventive care services without charging extra deductible. Through these plans, members can access the extensive network of physicians and hospitals at their convenience. Te HMO Blue line of plans is perfect for people who do not want to settle for anything but the best. The HMO network has about 15, 000 doctors and 80 hospitals participating in it. Plans under the Blue Care Elect category give people the opportunity to consult physicians outside the given network. Blue Care Elect plans are Preferred Provider Organization (PPO) plans. Blue Choice plans are essentially Point of Service (PS) plans that let people access the best of preventive care services.
Group plans by Blue Cross and Blue Shield of Massachusetts can be divided into plans for businesses employing 1 to 50 employees and for businesses for more than 51 employees. The organization also offers Medicare plans in a number of categories ranging from advantage plans, supplement plans and plans revolving around wellness benefits. These plans have been operating since 1966.