What type of policies do Blue Cross and Blue Shield generally not offer?

Blue Cross and Blue Shield typically do not offer indemnity/reimbursement plans as their primary focus has shifted more towards managed care plans. Indemnity plans are characterized by providing policyholders with a set amount of money for covered services, allowing them the flexibility to visit any healthcare provider. However, Blue Cross and Blue Shield have generally moved away from these traditional types of policies in favor of plans that emphasize preventive care, cost control, and integration of services, such as Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs).

Managed care plans that Blue Cross and Blue Shield focus on tend to provide structured networks of healthcare providers, lower out-of-pocket costs for members, and services designed to promote coordinated care. This approach aligns with contemporary healthcare delivery models aimed at improving health outcomes while managing costs effectively.

The other types of policies mentioned, such as fee-for-service, short-term policies, and comprehensive insurance plans, can still be part of the product offerings from Blue Cross and Blue Shield, indicating that these types remain relevant in their portfolio.