Anthem Blue Cross And Blue Shield Health Insurance

Formerly known as just Anthem Inc. the company formed part of the American General Insurance. In 2004 it merged with Blue Cross Blue Shield organization to become a for-profit company. It currently operates under WellPoint Inc. and provides services in 11 states of the country. These include California, Colorado, Connecticut, Georgia, Indiana, Kentucky, Maine, Missouri, New Hampshire, Nevada, Ohio, Virginia and Wisconsin.

There are several products and services offered by the company including life and disability coverage. You can choose from individual, group insurance or voluntary insurance plans. The company also offers administrative services, value added services and total benefits solutions.

Individual plan includes the Anthem Blue Preferred Term Life Insurance which comes with the dependent coverage option. When you get approved for Anthem Blue Cross and Blue Shield health insurance, you automatically become eligible for term life insurance available through Anthem Life. This plan is available only in five states, Colorado, Indiana, Kentucky, Nevada and Ohio. This plan is not available as a single product but along with health coverage or to people who are already members of the organization.

The group insurance products under Anthem Life are available for the benefit of employees. The cover offered under the plan includes accidental death or dismemberment, supplemental life, dependent life, long term and short term disability insurance. The company offers complete assistance to an individual in case of both short term and long term disability. The plan includes rehabilitation program, so that the person is provided financial assistance till he recovers completely. There are several options within the plan, depending on the extent of disability, where financial support begins 30 to 180 days of disability. Some plans offer cover up to the age of 65 while others provide cover for 2, 5 or 10 years, depending on the requirement. Though not considered a disability in particular, pregnancy is also covered under the same head, thus providing maximum benefit for women employees. In this case the employer decides the type of coverage most suitable for his organization, where the company pays complete or partial premium. The benefits offered under the policy differ from state to state.

Under the voluntary insurance plan of Anthem Life the employees are allowed to choose the product, where the premium is directly deducted from their payroll. In this case all the employer does is monitors the payment of the premiums to ensure that there is no lapse in payment. The cover offered is similar to that of group insurance and varies by state.

The company also offers administrative services to large firms offering their own insurance facility to their employees. However, the plan encompasses only short term disability benefits along with tax reporting and claim processing. The company also offers Value Added Services by providing support services for both individuals and companies. Apart from this, Anthem Life also provides solutions customized to meet your specific requirements. You can add services such as vision, dental, prescription and EAP benefits from the Anthem Business Partners. In this case also the benefits vary from state to state.

If you need health insurance, The Blue Cross Blue Shield Health Insurance is a brand name that has become synonymous with guarantee as far as health insurance is concerned. With Anthem Life becoming a part of this organization you are assured of quality and timely service in the time of need.

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