Blue Cross and Blue Shield of Minnesota, chartered in 1933, was one of the stateâ€™s first health plans. Its founding mission was to promote a wider, more economical and timely availability of health services for the people of Minnesota. BCBSMN remained true to that mission for more than 70 years.
Blue Cross is the largest health plan in Minnesota, providing health coverage to more than 2.7 million members. Blue Cross offers coverage for individuals and groups of all sizes, as well as for state and federal employees in every county throughout the state. Blue Cross also serves more than 125,000 members enrolled in government-sponsored programs and 184,000 members enrolled in Medicare programs.
In 2003 Blue Cross was one of the first in the country to offer consumer-directed health plans. Blue Cross currently serves 155,000 members in its Options Blue plans, which combine a high-deductible health plan with a financial account and support from health management services and an online member service center.
Blue Cross, a not-for-profit, taxable organization, and its affiliates â€” under the parent corporation Aware Integrated Inc. â€” had total premium and premium equivalents in 2004 of more than $6 billion. More than 90 percent of health care premiums it received were paid back out for health care claims. Blue Cross realized a 0.2 percent net income and paid more than $106 million in 2004 in taxes and assessments.
Network strength and service
Blue Cross offers its customers access to 100 percent of nonfederal hospitals and more than 93 percent of professional providers statewide. Its plans offer true statewide coverage and access to providers in all areas of the state. The National Committee for Quality Assurance (NCQA) has awarded its highest accreditation status, for service and clinical quality, to the three main components of Blue Crossâ€™ managed care business.
Blue Cross Blue Shield of Minnesota health plans
- Aware Care- a traditional plan that gives you independence and security. You can see any doctor in their extensive network, no referrals needed. Benefits includeâ€”office visits for illness or injury, screenings and physicals, and hospitals services covered at 80% in network. Other benefits include $5 million lifetime maximum, prescription drug coverage, and optional dental plan at special rates.
- Simply Blue- essential health care coverage at an affordable rate. Benefits includeâ€”up to $20 a month credit toward fitness center dues, 24 hour nurse advice line, and choice of any doctor you want.
- Options Blue- gives you great coverage with a tax-advantaged health savings account (HSA). It offers affordable premiums designed with higher deductibles. Benefits includeâ€”preventive care coverage, $5 million lifetime maximum, office visits for illness or injury, lab work and x-rays, hospital stays, prescription drugs, and surgery covered at either 80% or 100% in network after deductible.
- Personal Blue- comprehensive physical and mental health coverage at an affordable price. The health plan is fit for individuals, families, or just kids, who want traditional, comprehensive coverage and want to choose from a range of rate and deductible options.