Blue Cross Blue Shield Health Insurance Vs United Healthcare
Medical benefits to employees or individuals are provided inform of insurance. Health insurance is an insurance that covers an individual against the risk of incurring medical expenses. It means that, health insurance is a coverage that provides payment as a benefit in case of sickness, injury and medical expenses. The insurance company or an agency provides insurance cover to an individual, a group of people or to an organization (Thomas, 2000). However, in this case we will compare medical benefits of Blue Cross Blue Shield Health Insurance Company (BCBS) and United Healthcare (UHC).
It is a leading health insurance provider in the world. BCBS is not a wide national company but rather an association of smaller independent health insurers.
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In this case, members pay a monthly premium for their compensation to Health Maintenance Organization. Health Maintenance Organization is associated with rules where a member is required to see the doctor in a specific geographical region within a specific network. A member should pay for the medical cover for them to receive the medical services provided by Health Maintenance Organization. In America indemnity and traditional coverage is known as health insurance. An insurance company gives comprehensive coverage to the insured in exchange of a monthly premium. This medical cover allows the insured to decide on the provider of the medical services such as the hospitals to attend, clinics, specialist and pharmacies without the limit to work within a network. BCBS also provides incentives such as billing cost and faster appointment times with a specialist despite the freedom of choice given to members. Indemnity and traditional coverage is mostly referred by …show more content…
United Healthcare individual health insurance plans are under different names in different states such as golden rule, United Health one, PacifiCare and America Medical Security.
This insurance cover is designed to fill gaps in coverage for up to six months at a time. It is mostly suitable to an unemployed person who either lost a job or recently graduated from college and also to someone who is taking early retirement would benefit from this plan as well. There are several deductible levels offered for a short term insurance. A member can choose any payment options and the length of coverage that makes sense for your situation.
The students’ insurance plan offered by United Healthcare covers the student while in campus or not that is 24 hours a day. Students are allowed to participate in United Preferred Provider Organization (PPO), where member physician are available
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