Health Insurance plans help stabilize a household budget by managing the financial risk of unpredictable changes in your family’s health.
Shopping for health insurance coverage can bewilder the shrewdest of bargain hunters. Deciding which kind of policy is best to protect yourself and your family will likely have you facing a wide range of options.
One visit to the emergency room can cause financial ruins for many families. Health insurance is designed to reduce the risk to your assets from catastrophic accident or illness.
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Tradition and Experience in Anthem Insurance
Anthem Blue Cross and Blue Shield has grown from a tradition of providing coverage to Americans which began in the 1940’s.
Like many other insurers, Anthem has evolved with the industry to cater to the needs of today’s insurance marketplace. Anthem provides individual plans for people who are self-employed or for those who aren’t offered a plan by their employers.
Many affordable options are available from Anthem Blue Cross and Blue Shield for different family budgets including preferred provider organizations (PPO’s) and health maintenance organizations (HMO’s).
Anthem has a wide range of services and specialty products that allow clients to create a strategy for managing their health risk. Bundling a health plan with policies for dental and life could increase the chances of getting a better deal with more extensive coverage.
Anthem Blue Cross and Blue Shield joins the WellPoint Health Network
Anthem partnered with the WellPoint Health Network in 2004 to become one of the largest managed care insurers in the nation.
Now part of the WellPoint family, the corporation still operates as Anthem Blue Cross and Blue Shield in eleven states.
Anthem Blue Cross and Blue Shield in the Community
Anthem has a philanthropic reputation that it has been cultivating before and since its conversion from a non-profit to a for-profit healthcare organization in 2004. The company has many community programs each as unique as the regions they serve.
They sponsor an Associate Giving Campaign where they match every dollar employees donate to nonprofit organizations with fifty additional cents.
These annual campaigns raise millions for health-related programs in communities around the country.
In Pennsylvania, Anthem BSBC gathers thousands in Harrisburg every spring for the “Highmark Walk for a Healthy Community.”
Benefiting thirty-five health and human services organizations in the area, citizens sponsor competitors in a 5K walk followed by a picnic, live music, and prizes.
In Boston, MA, a multi-pronged community wellness initiative assembles 150 partner organizations to tackle the most pressing health issues facing their population: healthy child development, educational enrichment, healthy environments, family nutrition, and sustainable health care.
Giving back to the community responsible for their success is a humbling and respectable gesture for any company to make.
How much should health insurance cost?
Part of the problem with Anthem and other large companies is that so much of what the policy holders pay every month is profit for the corporation.
Some insurers conceal the profits being made by diverting sometimes as much as 30 percent of every monthly premium into commission for the broker who sold the policy.
Running a large economy of scale lowers the cost of patient services for the insurance company, but this advantage doesn’t always equal better care for the patients since the company is focused on maximizing profits for shareholders.
Anthem Blue Cross and Blue Shield is only one in an array of health plan options in a saturated market. Though every state is different, all have a wide selection of insurers for consumers to choose from.
Simple comparisons done before making financial decisions can have a positive effect on your family’s health.
Use our FREE online tool to make an informed decision about your next health insurance policy!