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Anthem Blue Cross Blue Shield, Kentucky has been the state’s largest insurance company for quite some time now. This is the only company that is licensed to sell products and services under the Blue Cross and Blue Shield brand names. As an independent licensee operating as per the guidelines of the Blue Cross and Blue Shield Association, Anthem Kentucky continually innovates and improvises its existing products so that coverage can touch the lives of as many as possible. Put simply, their aim is to offer quality health insurance at a price most would be able to afford. The organization has plans for individuals, families and groups.
Under the individual and family category people can have access to a wide range of plans including the Blue Access, Blue Access Value, Blue Access Basic, Blue Access Economy and Blue Short Term. Apart from these, a variety of comprehensive Lumenos consumer driven health plans are also available. The Blue Access plan has something for everybody since there are three coverage layers. Affordability is also not a factor here since there is a choice of deductibles from which people can select as per convenience.
The Blue Access Value speaks for itself with advantages ranging from inpatient and outpatient services to prescription drug coverage. Added to this is the fact that the plan demands a lower premium from its members. Blue Access Basic is all about assisting people to shift from another states Blue Cross Blue Shield plan to that of Kentucky. Benefits include preventive care, inpatient and outpatient services and diagnostic services apart from several others. Blue Access Economy is suited best for those who are not in a position to spend a fortune on healthcare. This plan allows people to pay medical bills at a lower cost and enjoy benefits right from the moment they sign up. Blue Short Term is a plan that is to be had between jobs or after graduation when a person may have to go without regular insurance.
Employee groups have plans like the Blue Access PPO, Blue Preferred Primary HMO and Blue Traditional at their disposal. Blue Access PPO offers a low cost option to employee groups so that they can consult some of the best doctors in the region. In case members want to avail out- of- network services they need to get a precertification done. Upon gaining membership for the Blue Preferred Primary HMO, the organization puts a member into the hands of a Primary Care Physician (PCP), who looks after every aspect of the former’s health care. Among all the plans, Blue Traditional perhaps allows the maximum amount of flexibility to members by letting them decide on their preferred physician and hospital. Apart from these plans, employee groups also have access to consumer driven health plans offered through employers.
If a person is Medicare eligible, he can opt from the offered Advantage plans, Supplement plans and the Medicare Part D plan. Anthem Health Maintenance Organization, Anthem Smart Value PFFS and Anthem Medicare Preferred LPPO, besides others, are plans from the advantage category.
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