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With the fepblue app, you can:


Access your benefits:

•	View and share your member ID card, and access important contact numbers 24/7.
•	Check your benefits and coverage for common procedures and se

Justin Ford Kimball (Blue Cross origins 1929), various physician groups (Blue Shield 1930s-1940s)

Blue Cross Blue Shield plans sue CVS for overcharging them for generic drugs

Louisiana doctors win big lawsuit against Blue Cross Blue Shield

Anthem Blue Cross Blue Shield says it won't cover anesthesia after time limit

Insurer Blue Cross Blue Shield agrees to $2.8B antitrust settlement

Mass. Blue Cross/Blue Shield signs on to Google Health

Blue Cross Blue Shield Association, also known as BCBS, BCBSA, or The Blues, is a United States–based federation with 33 independent and locally operated BCBSA companies that provide health insurance to more than 115 million people in the U.S. as of 2022. It was formed in 1982 from the merger of its two namesake organizations. Blue Cross was founded in 1929 and became the Blue Cross Association in 1960. Blue Shield emerged in 1939, and the Blue Shield Association was created in 1948. Its headquarters are at the Aon Center at 200 E. Randolph Street in Chicago, Illinois. BCBSA claims to control access to the Blue Cross and Blue Shield trademarks and names across the United States and in more than 170 other countries, which it then licenses to the affiliated companies for specific, exclusive geographic service areas.

https://en.wikipedia.org/wiki/Blue_Cross_Blue_Shield_Association

federation of 36 separate United States health insurance organizations and companies

Blue Cross Blue Shield Association coordinates 33 independent regional insurers collectively covering 115+ million Americans (one-third of U.S. population), making BCBS the nation's largest health insurance network despite federated structure where each plan operates autonomously. Founded 1929-1930s during Great Depression as hospital (Blue Cross) and physician (Blue Shield) payment plans offering affordable healthcare access, BCBS evolved from nonprofit community service organizations into mix of nonprofit and for-profit insurers following state conversions. The Blue brand provides network portability (members receive care across plan territories), brand recognition, and shared resources (technology, data analytics), while individual plans compete independently in their markets. Major BCBS plans include Anthem (rebranded Elevance Health, 47M members), Highmark, Premera, Blue Shield of California, and HCSC (Illinois, Texas, others). Strategic priorities vary by plan: Medicare Advantage growth, ACA marketplace participation, employer group coverage retention, and value-based care partnerships. Competition spans national insurers (UnitedHealth, Cigna, Aetna/CVS), regional plans, and Medicare (government program). Challenges include medical cost inflation, provider reimbursement negotiations, ACA subsidy policy changes, and Medicare Advantage margin pressure from increased utilization.

BCBS Independent Plans Navigate ACA and Medicare Advantage Growth

Blue Cross Blue Shield Association represents 33 independent insurers covering 115M+ Americans as largest health insurance network

Blue Cross Blue Shield Vaccine Coverage Denied Out of State

Michigan Medicine (UM health network) will no longer accept Blue Cross/Blue Shield insurance in July.

2026 Blue Cross Blue Shield Rates are up

Florida Blue HSA plan $2,000/month rises to $2,700

Blue Cross Blue Shield Settlement

Blue Cross Blue shield

Suddenly Not Covered by Blue Cross Blue Shield

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Zepbound

ONE STOP SYSTEMS, INC.

Kimball creates hospital prepayment for teachers. $6/year. Depression-era innovation.

Blue Cross symbol approved. National network of hospital plans. Standardization.

Doctor-sponsored prepayment covering physician services. Complements hospital coverage.

Hospital and physician plans merge creating unified regional entities. Federal Association.

Many plans convert to for-profit (Anthem, Wellpoint). Community benefit vs. shareholder value debates.

Most BCBS plans join exchanges. Individual coverage expansion. Subsidy-driven growth.

Largest U.S. network. Medicare Advantage growth. Value-based care. Regional autonomy maintained.

Turn your phone into a powerful payment terminal. Accept donations, sell tickets and track all payments instantly — no extra hardware needed!

With the Zeffy app, your nonprofit can:
• Accept all majo

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