Blue Cross Individual Health Insurance

Drawing on extensive company archives, this first complete history of the Blue Cross and Blue Shield system tells the story of America's largest and oldest health care insurer, from its beginnings in the 1930s to the turbulent 1990s. Often regarded as uniquely American because of its grass-roots organization, the Blue Cross and Blue Shield system is a network of independent, locally operated insurance companies whose growth has fluctuated with broader economic, social, and political changes and with the national search for cost-effective health care.

This current, accurate and detailed industry guide for financial service professionals examines life and health insurance "simultaneously from the viewpoints of the buyer, the advisor, and the insurer"--providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation. Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today's health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.

Blue Cross and Blue Shield Association - The Blue Cross and Blue Shield Association is the national trade organization that links 40 independent regional health insurance companies in the United States (including Puerto Rico) and Canada. Based in Chicago, Illinois, it was formed in the 1982 merger of the Blue Cross Association and the National Association of Blue Shield Plans.

The Blue Cross - For the health care plan in the United States, see Blue Cross.

Health insurance fraud - Health insurance fraud is described as an intentional act of deceiving, concealing, or misrepresenting information that results in health care benefits being paid to an individual or group.

Anthem (insurance) - Anthem was an insurance company which began in the 1980s as a spin-off of the group insurance operations of American General Insurance. From its move to a publicly-traded company in 2001 until its final merger in 2004, it merged the Blue Cross Blue Shield organizations of several states to achieve economy of scale, converting them in the process from non-profit to for-profit status.

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