Does Blue Cross Blue Shield Pay For Breast Pumps

Provide your insurance information. Breast pumps are considered durable medical equipment DME which is a type of equipment that provides therapeutic benefits to a patient in need due to certain conditions or illnesses.

Spectra Breast Pumps Through Insurance

As a Blue Cross Blue Shield of Massachusetts member your coverage may include the rental or purchase of a manual or dual electric breast pump for each birth without paying co-insurance or a deductible.

Does blue cross blue shield pay for breast pumps. In 3 simple steps. The two most popular breast pumps covered by BCBS CareFirst are the Spectra S1 and Medela Pump in Style PISA but do your research. The hospital grade pump is rental only.

As breast pumps are categorized as durable medical equipment by most insurance providers and breast milk is recognized for its potential health benefits most insurance plans are required to cover the cost of a breast pump under the Affordable Care Act. They can tell you if your plan has a breast pump benefit. One electrical or manual breast pump per member per delivery is covered.

This means members could receive certain breast pumps for no out-of-pocket cost. Coverage will not be available for breast pumps purchased. Members will be liable for any cost difference.

Choose from the curated breast pumps maternity compression and postpartum recovery items covered by your insurance. Blue Cross Blue Shield of Michigan and Blue Care Network members under age 65. Blue Shield of California is an independent member of the Blue Shield Association Breast Pump Benefit Under the breast feeding equipment and supplies benefit pregnant or nursing women are entitled to their choice of one of the following pump kits.

Wellmark Blue Cross and Blue Shield covers one breast pump per birth with replacement every two years as long as it isnt hospital grade and you buy it from a participating durable medical equipment DME provider. Visit one of these sites to take advantage of this benefit. As part of this mandate Blue Cross and Blue Shield of North Carolina Blue Cross NC provides benefits for breast pumps for eligible lactating or pregnant mothers under members durable medical equipment DME benefits.

Although specific coverage is different for each insurance plan most Blue Cross Blue Shield plans cover the cost of a double electric breast pump. Some plans available through large employers may not cover DME. Ameda One Hand manual pump.

Next youll need to get a. 28 Zeilen Blue Cross Blue Shield BCBS is one of the most well-known. If you decide to place an order call us to confirm if a breast pump is covered by your plan.

You may be eligible to receive a breast pump at no cost to you. Breast pumps are considered durable medical equipment or DME. Blue Cross Blue Shield of Mississippi is pleased to support breastfeeding mothers by covering the breast pump that best meets our members needs.

The Affordable Care Act requires BCBS to cover a breast pump some exceptions apply to grandfathered plans. Under the Affordable Care Act ACA your health insurance plan must cover the cost of a breast pump. If you have a breast pump benefit.

The amount allowed toward any breast pump of choice whether manual electric or hospital grade regardless of where purchased will not exceed applicable DME allowances for standard manual pumps. Are Breast Pumps Covered by Blue Cross Blue Shield. Breast pumps must be obtained from a Network Durable Medical Equipment DME Provider and mothers may choose between a manual or electric breast pump.

They offer high-quality choices that can help you have a successful breastfeeding experience. To make sure that you start off on the right foot Blue Cross Blue Shield offers insurance covered breast pumps and breastfeeding support. Please note that pump replacement supplies are NOT covered by BlueCross.

This provides you with the added benefit of being able to get to know and read up on your breast pump before actually needing to use it. Eligible members can choose one of two pumps. Ameda Finesse electric pump.

We cover a breast pump from a participating DME provider with a prescription from your clinician. Ultimately Blue Cross Blue Shield retracted their previous recommendation and announced that the new reimbursement would be 150 according to ABC. We verify your coverage and submit all required paperwork on your behalf.

Most Blue Cross Blue Shield of Michigan plans cover DME along with breastfeeding support supplies and counseling. Manual and electric pumps are purchase only. Members Members who qualify for a breast pump can contact CareCentrix at 877 561-9936.

Now with this change set to take effect for breastfeeding moms many of whom are low-income across 15 states in just a matter of days advocacy groups like Moms Rising are encouraging people to reach out to. Edwards Health Care Services. If youve thought about using a breast pump call Blue KC Customer Service at the number on your member ID card.

Youre eligible to receive your breast pump six weeks before your due date. If youve decided to breast-feed your Blue Cross and Blue Shield of Kansas City Blue KC health plan may have coverage for a breast pump. Does Blue Cross Blue Shield Cover a Breast Pump.

Youll be able to choose from popular brands like Ameda Finesse Evenflo Advanced Lansinoh Signature Pro Spectra S2 Plus and Medela Pump in Style. We dont cover hospital-grade breast pumps.

Sinus Surgery Stents

Sinus stents are devices that come in handy in helping to enhance sinus and nasal relief. Youll have some swelling and tenderness inside your nose after the surgery but this is normal.

Propel Sinus Surgery In Federal Way Wa Ryan Stern Md

Patients often report that they get the feeling that they want to blow their nose but are unable to do so.

Sinus surgery stents. They achieve this by propping the sinuses physically to keep them from closing. If playback doesnt begin shortly try. The steps during a sinus surgery procedure are as follows.

Sinus Stents Offer Relief During Surgery. 61 The ciprofloxacin sinus stent Initial invitro studies involving the ciprofloxacin sinus stent CSS showed an initial burst release phenomenon with 30 of ciprofloxacin released from the CSS within the first 48hours with approximately 50 being released within 14days. But a new stent-like device called Propel is now being used to cut down on disco.

Removal of sinus surgery stents. Since the gauze must stay intact for about a week it can lead to extreme pain. Sinus surgery can be done on children and adults typically by an ear nose and throat specialist known as an otolaryngologist ENT or an oral and maxillofacial surgeon who specializes in diseases of the face head jaw and mouth.

They will naturally dissolve with routine saline rinses. Not only does it help keep the sinuses open it reduces the need for additional surgical interventions andor the need for oral steroids as it delivers topical therapy directly to the sinus. Freeman recommends the use of the Freeman Frontal Stent in the following conditions.

Occassionally if the stents are causing exuberant crusting or infection they can be removed before they dissolve. You will be placed under either local or general anesthesia. And since they also deliver an anti-inflammatory drug to this area they help reduce the potential blocking effect of uncontrolled inflammation.

Removal of sinus surgery stents - YouTube. The procedure is also sometimes performed by an oral surgeon for dental purposes. It can take several weeks for you to fully recover.

Sinus stents are necessary any time the frontal sinus outflow tract must be kept open or unobstructed following sinus surgery to promote drainage and allow for proper healing. PROPEL sinus stents can be inserted during sinus surgery to keep the sinuses passages open The stents are absorbable over time and eventually dissolve as the sinus openings heal The stents give off a low dose of steroid to minimize inflammation during healing PROPEL mometasone furoate implant Animation. It is the most common approach used today for the surgical treatment of chronic sinusitis.

At its core a sinus stent is an. Septoplasty and Sinus Surgery Do not take aspirin blood thinners or anti-inflammatory medications ie. Avoid strenuous activity for 2 weeks.

Endoscopic Sinus Surgery ESS is considered a less invasive approach to sinus revision. ESS is not a single procedure but rather a family of techniques to revise or correct disturbances of nose and sinus anatomy. The Propel sinus stent is intended for use in patients 18 years of age and older following the FESS procedure.

Typically nasal stents. Your surgeon will evaluate your nose and sinuses in follow up and determine the degree of suctioning that is necessary. Enjoy the videos and music you love upload original content and share it all with friends family and the world on YouTube.

In order to keep the sinus cavities open after surgery doctors usually use gauze. An ethmoidectomy maxillary antrostomy powered septoplasty with turbinoplasty and balloon sinus dilation surgery are different procedures but what happens following surgery is similar. This includes bending lifting manual labour and avoidance of dustdirt exposure.

Dissolvable stents do not need to be removed in general. Thats where sinus stents come in. Ibuprofen for two weeks before and two weeks.

Traditionally doctors pack a patients nose with gauze after sinus surgery.

Blue Cross Blue Shield Customer Service Ny

Learn about insurance options for Individuals Families or Employers or get connected with your local Blue Cross Blue Shield company by calling 8886302583. Log in to find contact information specific to your area and plan.

Registration

Contact Customer Support by phone or Live Chat.

Blue cross blue shield customer service ny. Call the telephone number listed on your member ID card or call us toll free at 1-855-344-3425. I believe BCBS has not followed their contract. 57 rijen 800-713-4173 Blue Card Preferred Provider Organization - Claims 800-676.

New York State Office for the Aging 2 Empire State Plaza Albany New York 12223-1251 Telephone. Advertentie Compare 50 Global Health Insurance Plans for Expats living abroad. 257 West Genesee Street.

1-866-231-0847 TTY 711 Receive help in another language. Please note that this number is used solely to receive calls from BCBS members seeking assistance and never to make calls to BCBS members. Western New York Blue Cross and Blue Shield 800 234-6008 800 677-3086 877 837-0814.

Get a Free Quote. Medicare Supplement and Medicare Advantage Plans. If you receive insurance through an employer please enter the ZIP code or select the state of the employers headquarters to view the BCBS companies serving that region.

Learn about Blue Cross Blue Shield culture salaries benefits work-life balance management job security and more. Behavioral Health Crisis Line. Contact Empire Blue Cross And Blue Shield customer service.

My family has had the same Empire Blue Cross Blue Shield policy since 1992 through my husbands union Metal Trades Local 638. Empire BlueCross BlueShield HealthPlus is the trade name of HealthPlus HP LLC an independent licensee of the Blue Cross and Blue Shield Association. Northeastern New York Blue Shield 800 234-6008 800 255-2042 800 443-6169.

Nondiscrimination Policy English. To review your health coverage options visit the New York State of Health Marketplace contact your broker or call 1-844-285-2036. If you need further help identifying your BCBS company please contact the employer who provides your insurance for.

Individuals Family Plans under age 65. Get a Free Quote. 326 reviews from Blue Cross Blue Shield employees about working as a Customer Service Representative at Blue Cross Blue Shield.

Hospitalization Medical Surgical Plans Insurance. 800 am - 800 pm. Availity LLC is an independent company providing administrative support services on behalf of Empire BlueCross BlueShield HealthPlus.

Empire offers health insurance options for you and your family. You can also find dental and vision insurance options by shopping today. Advertentie Compare 50 Global Health Insurance Plans for Expats living abroad.

Nondiscrimination Policy Spanish. BlueCross BlueShield of Western New York. North Carolina 800 222-4739.

1-866-231-0847 TTY 711 Get help anytime with mental health or substance use issues. Individual and Family Insurance Plans. New York Excellus Blue Cross Blue Shield 800 584-6617 800 584-6617 800 277-2138.

Click on the link to find contact information for BlueCross BlueShield of WNY in Buffalo including email customer service phone numbers and street address. New York Empire Blue Cross Blue Shield 800 522-5566 800 443-6169. Log in to get a more personalized experience.

Best Home Insurance In California

Allstate is our home insurance company recommendation for most people in California. Travelers Most Discounts Offered.

5 Best Homeowners Insurance Companies Of 2021 Money

Scores are out of 100.

Best home insurance in california. As the fourth largest city in California San Francisco has an abundance of home insurance companies but not all of them are cheap. Here is how the best home insurance companies in California ranked on the survey. At Personal Express they pride themselves on consistently exceeding customer expectations by safeguarding drivers homeowners and renters with thoughtful personalized service.

In the table below you can compare the average homeowners insurance rates for the six largest home insurance companies in California. 24 Zeilen The best home insurance companies in California protect your property from damages related. Kin Best Customer Service.

It offers the best overall balance of low rates solid. 9 Zeilen Thats on top of the 1400 average most people can expect to pay for homeowners insurance in. Buyers of California home insurance policies will specifically deal with State Farm General Insurance Company which held the biggest market share of homeowners insurance underwritten in the state during 2017 at 807 percent.

This beats the states average rate of 1031 providing a 392 discount on average policy costs statewide. Theyre dedicated to providing friendly affordable and tailored auto homeowners and renters insurance solutions and services to their customers. Liberty Mutual Allstate Farmers and Lemonade are some of the best homeowners insurance providers in California.

Best cheap home insurance companies San Francisco. Its mission is. Best Homeowners Insurance in California.

The Best Homeowners Insurance in California Best Overall. Who offers the best homeowners insurance rates in California for a 200K home. Best homeowners insurance in California Chubb USAA Safeco AIG Liberty Mutual Nationwide Hartford State Farm Esurance and Allstate are the top 10 best carriers for home insurance based on customers feedback on our survey.

Nationwide Best for Bundling. Homeowners insurance quotes cheapest homeowners insurance california 10 best home insurance companies aaa homeowners insurance california best homeowners insurance in california what does homeowners insurance cover california homeowner insurance rates dept of insurance california Fifth Streets in general ordinary individual is. Mercury Most Policy Options.

California homeowner insurance rates california homeowners insurance requirements homeowners insurance california cost top homeowners insurance in california homeowners insurance in northern california cheapest homeowners insurance california best homeowners insurance in california state of california homeowners insurance Ringer to show will entitle you sustained injuries insurance on Thursday of fraud has assessed based at home. Rates for home insurance in California differ depending on the insurance company you choose. To find the best policy for you we recommend getting quotes from all three companies as well as other providers in your area by calling 855-948-5219 or using the quote tool below.

California Automobile provides the most affordable homeowners policies in California 639 per year. Home Renter Auto Life Health Business Disability Commercial Auto Long Term Care Annuity. Top homeowners insurance companies in California.

Personal Express Insurance headquartered in Bakersfield CA has been innovating and improving the ways their customers get insured since 1984. Among the six companies analyzed Mercury offers the cheapest home insurance rates on average for a 200K California home. Best Homeowners Insurance California Mar 2021.

Best for new homeowners. State Farm Best for Extended Replacement Cost. If youre shopping for homeowners insurance in California these are some of the best options.

5 Zeilen Kin Insurance is an insurtech startup founded in 2016 and headquartered in Chicago.

Open Kaiser App

Simply clone the repo and run. To get started download and launch the app.

Kaiser Permanente On The App Store

Welchem Kaiser es als erstes gelingt einen vollständigen Palast zu errichten gewinnt die Spielrunde.

Open kaiser app. The most addictive game Call me Kaiser which is spreading all over the world has finally started. Beim Prozess wird anwendungsspezifisch zwischen Abrichten mit stehenden und rotierenden Werkzeugen unterschieden und die Geometrie des Werkzeugs berücksichtigt. OpenKaiser is or will be a game inspired by the classic Kaiser as well as the DOS-game PC Kaiser.

Alternativ ist eine Runde nach 100 Jahren 100 Tagen zu Ende. Download OpenKaiser for free. You can actually continue with the.

Cd kaiser docker build -t degicakaiser. Alias kaiserdocker run --rm -ti -v varrundockersockvarrundockersock -v HOMEkaiserrootkaiser -v pwdpwd -e CONTEXT_DIRpwd degicakaiser Or if you use fish. Once enrolled by a KP clinician use this mobile app to seamlessly.

Download the Kaiser Permanente Washington app instead. Die Datei win3_11_kaiservbox mit Virtualbox öffnen und die virtuelle Maschine mit dem Play-Button starten 4. Live in Washington outside of VancouverLongview.

In this game you travel to the mysterious ancient Chinese dynasty and become a famous emperor to marry beauties recruit ministers and lead your empire into the golden age. The 2019 Kaiser Permanente Run Walk Roll mobile app features live tracking of all participants without using their phones social media. To get started download and launch the app.

If you want coverage for your family on the same Kaiser Permanente plan please fill out 1 application. Im Dateimanager in das Verzeichnis Ckaiser gehen und kaiserexe starten. Download apps by Kaiser Permanente including KP Health Ally Kaiser Permanente My Doctor Online NCAL Only and many more.

And then add the following line to your bashrc or bash_profile. Managing your health just got easier with the Kaiser Permanente Health Ally app designed for patients enrolled in a diabetes or hypertension Remote Monitoring program. Google Play and the Google Play logo are trademarks of Google Inc.

Download the Kaiser Permanente Washington app instead. Adobe Scan - Android App. Download the Kaiser Permanente Washington app instead.

Schedule view and cancel routine appointments. With the Kaiser Permanente app you can easily. Mit der kostenlosen App Adobe Scan für Android scannen und speichern Sie Dokumente mit automatischer Texterkennung.

The player is the leader of a small kingdom and will try to expand his kingdom. Email your doctors office or Member Services with nonurgent questions. Now available in Spanish.

All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest. With the Kaiser Permanente app you can easily. Schedule view and cancel routine appointments and see information about past visits.

If you installed the Android emulator you are able to make use of APK file if you want to install Kaiser Permanente for PC either by clicking on apk or by opening it via BlueStacks emulator due to the fact that some of your preferred Android games or apps may not be accessible in google playstore because they dont stick to Developer Policies. Eine neue startet dann in der offiziellen Welt jeweils kurz danach bei der alle wieder die gleiche Chance haben. 2020 Kaiser Foundation Health Plan of the Northwest.

You may use this application to apply for individual or family coverage provided by Kaiser Permanente for Individuals and Families KPIF a business unit of Kaiser Foundation Health Plan Inc. You can create your account online in the app. App Store is a service mark of Apple Inc registered in the US.

KAISER App ermöglicht es alle relevanten Parameter rund um das Abrichten und Schleifen einfach und genau zu berechnen. Designed by athletes for athletes Stravas mobile app and website connect millions of runners and cyclists through the sports they love. 500 NE Multnomah St Suite 100 Portland OR 97232.

Log In The 1 app for runners and cyclists. Spiele jeden Tag und drehe das Glücksrad für Deinen täglichen Bonus. Email your doctors office or Member Services with nonurgent questions.

Mit dem Kommando win Eingabetaste Microsoft Windows 311 starten.

Bcbs Self Employed Health Insurance

However if you became self-employed within 60 days of losing coverage due to job loss you may qualify for a special enrollment. Blue Cross Blue Shield BCBS.

Self Employment Health Insurance Cost And How To Save Up To 30 With This Tip Nj Insurance Plans Mike Sheeran Cfp

As an alternative to purchasing a standard insurance plan self-funding gives your group the flexibility to design your own.

Bcbs self employed health insurance. Individual and family health insurance plans from Blue Cross and Blue Shield of Texas deliver outstanding coverage and service. Reporting self-employment income to the Marketplace. There have actually been objections that the modifications will certainly trigger several individuals to drop their private health insurance causing an additional problem on the public healthcare facility system and a rise in costs for those who stick with the private system.

Anzeige Easy Online Application Affordable International Student Insurance. Best Self-Employed Health Insurance Providers 1. Individual Health Care Benefits Whether youre self-employed between jobs or retired there is a perfect health care package of benefits available for you and your family through Blue Cross.

Anzeige Compare Quotes Save Money Now On Expat Health Insurance In Australia. Get a Free Quote. Health insurance is often offered regionally and Kaiser Permanente is no exception.

Anzeige Compare 50 Health Insurance Plans Designed for Expatriates. Health coverage if youre self-employed. - Free Quote - Fast Secure - 5 Star Service - Top Providers.

We have high quality coverage for sole proprietors so you can continue to focus on running your own business. Health insurance for the self-employed is any insurance plan purchased as an independent contractor or self-employed individual where. Get free quotes instantly and apply online today.

Are you self-employed an independent contractor or a freelancer. Anzeige Compare Top Expat Health Insurance In Czechia. Choose from a variety of plans including bronze silver gold or platinum.

An American icon Blue Cross Blue Shield is. As its names implies under a self-funded arrangement your organization finances its own health care costs but takes advantage of Blue Cross Blue Shield of North Dakotas provider contracts and administrative services. Blue Cross and Blue Shield of North Carolina offers excellent health insurance plans with the self-employed individual in mind.

Youre considered self-employed if you have a business that takes. If you are one of the self-employed looking for healthcare coverage the cost of this type of plan will be a primary concern for you. BCBSTX is the leader in individual and family health insurance.

- Applicable For Foreign Citizens Only - Not for Local citizens students. Although employer-sponsored and public health insurance plans are more common individual health insurance helps protect the health of the families of millions of self-employed people. If youre self-employed you can use the individual Health Insurance Marketplace to enroll in flexible high-quality health coverage that works well for people who run their own businesses.

Anzeige Compare 50 Health Insurance Plans Designed for Expatriates. Get a Free Quote. You can enroll in individual and family insurance plans during the annual open enrollment period.

Get the Best Quote and Save 30 Today. When can I enroll in a health insurance plan if I am self-employed. Looking After Your Health And Well-Being In These Unsettling Times Is Our Priority.

Lower The Cost Of Health Insurance In Australia. - Applicable For Foreign Citizens Only - Not for Local citizens students. The Bronze 5500 and Bronze 5000 are two private health insurance plans currently offered by Blue Cross and Blue Shield of North Carolina which have HSA qualifications.

Anzeige Health Insurance Designed For Individuals Living Outside Their Home Country. With the ongoing changes to provincial health care plans it is important to ensure you have affordable protection against unexpected medical expenses. You can enroll in small group plans throughout the year.

Blue Cross Blue Shield Birth Control

Tobacco andor alcohol use. Diaphragms Diafragmas CAYA.

What Does My Plan Cover Horizon Blue Cross Blue Shield Of New Jersey

806-783-4666 Email to submit provider inquires questions and signed contracts.

Blue cross blue shield birth control. Comprehensive lactation breastfeeding support and counseling. 25 rows Blue Cross and Blue Shield of Texas BCBSTX gives health care benefits and access to. How to make your 1st months 2021 BCBSIL Payment.

The most common side effect of NEXPLANON is a change in your normal menstrual bleeding pattern. Blue Cross NC is an independent licensee of the Blue Cross and Blue Shield Association. Blue Cross and Blue Shield of Texas 4444 Corona Suite 148 Corpus Christi TX 78411 361-878-1623 Fax.

You can also review the summary of womens care services covered by Blue Cross and Blue Shield of Minnesota and Blue Plus plans. Coverage for contraceptives can vary depending on the type of plan you are enrolled in. Diet weight and activity level.

In studies one out of ten women stopped using the implant because of an unfavorable change in their bleeding pattern. Your new birth control benefits Whats now covered by your Anthem Blue Cross and Blue Shield health plan or policy1 29882ANMENABS 712 F0029542 1 Some plans that were in effect on or before March 23 2010 may be grandfathered and not include this birth control coverage. What birth control drugs are covered for free with BCBSIL plans.

Taking Action to Address Racial Health Disparities Learn how Blue Cross and Blue Shield companies are addressing our nations crisis in racial health disparities at our new Health Equity website. The protection of your privacy will be governed by the privacy policy of that site. BCN provides these services to members who are not enrolled in a BCN program that includes prescription drug coverage or in any other prescription.

Any violence in your life. Corpus Christi and The Valley. Interventions during pregnancy and after birth to promote and support breastfeeding.

Cervical Caps Capuchones cervicales FEMCAP. Learn when to schedule screening tests such as mammograms and pap tests to help prevent or detect possible health concerns. Also some religious groups may choose not to offer this coverage.

You may experience longer. Use a back-up birth control method and call your healthcare provider right away if the implant comes out. Fill out and submit this form to see if you qualify.

This member document describes the limited prescription coverage program provided by BCN in compliance with the Patient Protection and Affordable Care Act by which generic contraceptives may be fully covered with no copayment requirement. Birth control options. Medical management techniques may apply.

Your health insurance typically covers preventive care services and birth control methods. 2019-2020 Blue Cross Blue Shield Of Illinois Health Insurance Guide. BCBSTX Connect Team over 5 years ago.

If youre a Blue Cross Blue Shield of Michigan or Blue Care Network member and your employer doesnt cover contraceptives because theyre exempt under the Affordable Care Act you have options. Does Blue Cross Blue Shield of Illinois Cover Breast Reduction Surgery. The Blue Cross Blue Shield Association is an association of 35 independent locally operated Blue Cross andor Blue Shield companies.

What is contraceptive accommodation. Eligible benefit plans include coverage under the Affordable Care Act for the following contraceptives to be covered at 0 member cost share. This list will be reviewed periodically and is subject to change.

However if you are enrolled in a non-grandfathered plan that is compliant with the Affordable Care Act then the link below will show you the birth control methodsbrands covered at 100 of the allowance when provided by an in network provider. You will be going to a new website operated on behalf of the Blue Cross and Blue Shield Service Benefit Plan by a third party. Northwestern told me to choose Blue Precision plan 475 or 477 but I dont see that plan available what do I do.

Emergency Ella Pastilla de emergencia Ella ELLA. Blue Cross covers as a preventive contraceptive benefit at least one Food and Drug Administration FDA approved medication or device for each type of contraception within a given method of birth control as outlined below. Blue Cross and Blue Shield of Texas 7901 Wallace Blvd Amarillo TX 79124 806-371-3058 Fax.

Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association.