Definition: Blue Cross Blue Shield Health Insurance is a type of health insurance that provides coverage for both pre-existing conditions and preventive services. It offers plans with different deductibles, coinsurance, and copays based on the severity and type of condition. In this type of insurance, all members pay a one-time premium fee and then make monthly payments to cover their healthcare costs over time. The insurer will also provide assistance for medical expenses related to pre-existing conditions or serious diseases that they are experiencing. The Blue Cross Blue Shield plan includes coverage for routine medical services such as doctor's visits, prescription drugs, physical exams, laboratory tests, and outpatient services. It also provides coverage for preventive services like mammograms, colonoscopies, and blood pressure screenings. This type of insurance is generally considered to be more affordable than other health insurance plans. However, the costs can increase over time due to inflationary pressures and the cost of medical expenses, so it's important to check with your healthcare provider about any potential annual or lifetime coverage limits.

blue cross and blue shield health insurance