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BlueCross BlueShield of Western New York

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BlueCross BlueShield of Western New York

BlueCross BlueShield of Western New York

From 1936 till today, the region of Western New York has depended blindly on one name and it is that of the Blue Cross Blue Shield of Western New York. Over more than 7 decades now, this organization has managed to remain in the topmost position in the heath insurance industry in the area. Licensed to offer products and services under the Blue Cross and Blue Shield brands, the Blue Cross Blue Shield of Western New York shares many of its ideologies with other licensees of the Blue Cross and Blue Shield Association, the first and foremost being the wellbeing of members. The organization has the constant mission to reach out to the most number of people with its products and services.

In 1936, shape was given to an innovative idea and what came out of it was the Hospital Service Corporation of Western New York. The reason behind forming this company was to offer affordable health services and products to employer groups against an inexpensive prepayment on a monthly basis. This plan, much later, acquired the name “Blue Cross of Western New York”. Then in 1939, came the Western New York Medical Plan, a scheme that was started by a group of doctors to ensure prepayment facilities for doctor bills. Later on, the Western New York Medical Plan had its name changed to Blue Shield of Western New York. The next two to three decades saw these two plans working tirelessly to provide better coverage to college students and also improvising on the original concept of plans for people over 65.

Fifty years after Hospital Service Corporation of Western New York, the Blue Shield of Western New York initiated a company named Whole Health Insurance Network. Six years hence, in 1992, the Whole Health Insurance Network entered the functional premises of the Blue Cross of Western New York through a merger and thus came about the Blue Cross Blue Shield of Western New York.

The BCBS of Western New York has loans to offer to individuals, families, groups and Medicare beneficiaries. Maximum number of individuals in the area served by the organization can opt for Healthy NY plan. Benefits of this plan include hospital care, medical care including checkups and examinations, emergency care services and also inpatient and outpatient services. All members need to pay co- payments for covered services and in case of special benefits, a deductible as well as a maximum limit will also hold true. The Healthy NY plan is strictly for people whose employers do not provide them with insurance through employee programs.

The most popular family plan by the BCBS Western New York is perhaps the Community Blue’s Family Health Plus plan. Benefits include hearing and vision care, emergency services, hospital care, rehabilitation and treatment for mental health amongst several others. Anyone between the age of 19 and 64 can apply for this plan but he or she has to keep within the stated individual income limits. In case of problems, the Healthy NY plan is the next best choice.

Group insurance is provided to companies depending upon their employee strength. While certain plans can be applied to by groups of 2 to 50, others are made available only to groups of 51 to 250.

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