Blue Cross Blue Shield Health Insurance - Good, Bad or Indifferent?

There can be few in the United States who do notpeople who have to pay more, but this is small
know the name of America's oldest health insurancecomfort.
provider. But, despite its age and the fact that itSo just what is the answer to this problem?
provides cover for some one-third of all Americans,Well, in the long run of course the only thing that will
just how good is Blue Cross Blue Shield healthreally make a difference is to move to a system of
insurance?single payer health care. In those countries where
Many people who use Blue Cross Blue Shield appeareverybody pays into a central health system through
to have mixed feelings about it. On the one hand,their taxes everyone, regardless of whether they
Blue Cross Blue Shield health insurance provides ahave money or not, has their health needs met and
relatively cheap alternative to a large number ofgone are the days when we saw families suffering
other health care plans but, on the other hand, it alsosimply because of an inability to meet their doctor's
seems that this is very much a case of 'you getbill.
what you pay for'.Until the day comes when we have a single payer
Certainly the cost for Blue Cross Blue Shield healthhealthcare system a significant number of Americans
insurance is comparatively low, but the price that youwill live as they do now in fear of getting sick,
pay for this is often seen in the fact that it takes forknowing that, if this were to happen, it could put a
ever to get the care you need. It can often takestrain on their resources which might well land them
several weeks simply to get an appointment and,in such debt that they will simply never recover.
once you do get to see a doctor, it can then takeEnough of the daydreaming though because the fact
several more weeks, if not months, to get theof the matter is that universal healthcare is a long
referral to a specialist if this proves to be necessary.way off if it comes at all and, for the time being, we
The real problem of course is that this does notare stuck with what we have which for many means
simply apply to Blue Cross Blue Shield and there are aBlue Cross Blue Shield.
significant number of other providers out there whoBlue Cross Blue Shield health insurance may not be
are just as bad.the best in the world but perhaps, alongside the
Whether you are looking at HMOs, PPOs, or anyother providers available, they are not a bad
other sort of healthcare provider, many have theiralternative for the price. At the end of the day Blue
problems and, invariably, the root of the problem isCross Blue Shield has been around longer than any
simply the age old question of money. Just like anyother insurer and provides health insurance for a
other type of business, health insurance companiesgreater proportion of the population than anyone
seek to maximize their profits while providing theelse, so they must be doing something right.
minimum level of care which their customers willThis is of course only one personal view and your
accept. In the case of Blue Cross Blue Shield healthown experience may be quite different.
insurance you at least have an advantage over those