As of 2015, member services that Blue Cross Blue Shield offers include flexible spending accounts, health savings accounts, health maintenance organizations, Medicare and Medicaid, according to the company. Blue Cross Blue Shield provides other service options, such as fee-for-service, preferred provider organizations and point-of-service. To determine which services their specific plans offer, Blue Cross Blue Shield members can connect to their local company websites using the three-letter prefix on their identification cards. The local websites offer member benefits information.
Flexible spending accounts are employee-funded accounts that reimburse employees for expenses, such as health care and dependent care, as they incur them, explains Blue Cross Blue Shield. Employees can make account deposits free from federal taxes under Internal Revenue Code provisions. Health savings accounts are also free from federal taxes, and employees, employers or others can contribute to the accounts. The money belongs to the account holders and they can use it for immediate or anticipated medical costs.
Health maintenance organizations feature primary care physicians who coordinate plan member services for the members to obtain health care solely from professionals within the HMO network, except in emergencies, notes Blue Cross Blue Shield. Medicare is a federally funded multiple-benefit health insurance program for people at least 65 years old, or under 65 with disabilities. Medicaid receives federal and state funding to cover hospital and medical expenses for low-income individuals, and qualified disabled and aged individuals.