Understanding the Difference Between Empire Blue Cross Blue Shield and Health Plus
Introduction:
Insurance is a must-have in today’s world, and two of the most popular providers in New York are the Empire Blue Cross Blue Shield and Health Plus. While both aim to provide affordable healthcare services to their members, there are some critical differences that everyone should know. In this article, we will dive into these differences to help you choose the best-fit for your medical needs.
What is Empire Blue Cross Blue Shield?
Empire Blue Cross Blue Shield is a subsidiary of Anthem. It is a health insurance company that offers a wide range of services to individuals, groups, and families. With over 80 years of experience, Empire Blue Cross Blue Shield is one of the largest and most recognized health plans in the United States.
What is Health Plus?
Health Plus is part of the Centene Corporation, a multinational healthcare organization. It is a Medicaid Managed Care Organization, providing healthcare services to those who qualify for Medicaid in New York City. Health Plus is committed to providing members with quality, cost-effective healthcare services through a vast network of providers.
Coverage and Benefits:
When it comes to coverage and benefits, Empire Blue Cross Blue Shield offers several plans, including HMOs, PPOs, and POSs. Members can also choose between an individual or family plan. The company provides a robust network of doctors, hospitals, and specialists that allow members to get high-quality care on time.
On the other hand, Health Plus only offers HMO plans for Medicaid beneficiaries. They have a vast network of doctors, hospitals, and specialists, but members must follow some restrictions, such as getting referrals from a primary care physician before seeing a specialist.
Cost:
Empire Blue Cross Blue Shield plans come at a higher cost than Health Plus plans. However, Empire Blue Cross Blue Shield offers more comprehensive benefits, such as dental, vision, and prescription drug coverage.
Health Plus plans are affordable options with low monthly premiums and co-payments, making them an excellent choice for those who qualify for Medicaid and are on a tight budget.
Accessibility:
Empire Blue Cross Blue Shield has a wide range of health plans to choose from, depending on an individual’s health needs. They also provide member services, which are available 24 hours a day, seven days a week.
Health Plus, however, is accessible only to individuals who qualify for Medicaid. Members can access Health Plus services through a primary care physician and must follow certain restrictions when seeking medical care.
Conclusion:
When it comes to choosing between Empire Blue Cross Blue Shield and Health Plus, you need to consider your healthcare needs, budget, and accessibility. Empire Blue Cross Blue Shield may be the better choice for those looking for comprehensive coverage with access to a broad network of doctors, hospitals, and specialists.
On the other hand, Health Plus is a great option for those who qualify for Medicaid and are on a tight budget. The company offers low-cost health plans with access to a vast network of providers.
In the end, understanding the differences between Empire Blue Cross Blue Shield and Health Plus can help you make an informed decision when it comes to your healthcare coverage.
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