What is the difference between Blue Cross and Blue Shield?

Blue Cross and Blue Shield are both independent, community-based health insurance companies. The basic difference lies in their focus areas. Blue Cross primarily focuses on hospital and medical services, providing coverage for doctor visits, surgeries, and hospital stays. On the other hand, Blue Shield focuses on outpatient services, emphasizing coverage for prescription drugs, preventive care, and other medical services received outside of a hospital setting. Although they operate independently, Blue Cross and Blue Shield companies often collaborate and offer joint coverage under the Blue Cross Blue Shield Association. This partnership ensures comprehensive coverage options that cater to individual needs, addressing both inpatient and outpatient healthcare requirements.