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Arkansas Blue Cross and Blue Shield
Arkansas Blue Cross and Blue Shield, an Independent Licensee of the Blue Cross and Blue Shield Association, is the largest health insurer in Arkansas, serving approximately one-third of the fully insured market. If combined, the 39 independent, locally operated Blue Cross and Blue Shield Plans collectively provide health-care coverage for 93 million - nearly one in three - Americans.
Arkansas Blue Cross provides health insurance plans for groups as well as well as individuals (under age 65 and for those who are Medicare-eligible) and families in Arkansas. In addition, Arkansas Blue Cross offers dental plans for groups and individuals and families.
The company operates through seven geographic regions in Arkansas with full-service staffs providing customer service, medical management and provider services closer to home for our members.
At Arkansas Blue Cross, our vision is to be the leading provider of health-care financing solutions, service and information that contribute to improving the health status of all those in the communities we serve.
Our mission is to provide organizations, families and individuals with the best value in health-care financing products, life insurance and health-related financial services. Our products and services are designed to create high customer value, confidence, peace of mind and an improved quality of life.
We believe our strength comes from being an independent, mutual, not-for-profit health insurance company and that we deliver the best value to our customers and society by maintaining that structure.
We manage for long-term benefit of the communities we serve, not for short-term rewards or gains. We remain financially strong and stable in order to serve future generations.
Our members are our owners, and we keep their interests central in our business decision-making.
Because the best customer is an informed customer, we provide information to allow people to make knowledgeable health-care decisions and expenditures.
Our work environment fosters personal excellence, growth, flexibility and teamwork. We believe work is a major part of our lives and should be a fulfilling experience. Personal accountability and responsibility are cornerstones of our philosophy.
We believe in building and maintaining collaborative, long-term relationships with physicians, hospitals and other providers. These relationships are characterized by a mutual interest in our members and a focus on improving the affordability, delivery and quality of care for our members.
We conduct our operations with the highest degree of integrity, honesty and fairness. We believe in corporate citizenship and work to improve the quality of life for all Arkansans. We celebrate our successes, learn from our mistakes and continually strive to improve.
Arkansas Blue Cross differs from commercial insurers in several ways. Arkansas Blue Cross is a not-for-profit, mutual insurance company. That means that nearly all the money we collect as premium is paid out in benefits for customers on the average, nearly 85 cents of every dollar. The remainder - about 15 cents of every dollar - is used for operating expenses and reserve funds, which we are required by law to maintain.
As a not-for-profit, mutual insurance company, Arkansas Blue Cross is owned by its policyholders, not by stockholders. This means that premium dollars are used solely to pay claims and administrative costs, not to pay stock dividends. Any excess funds are held in reserve for payment of future claims. Arkansas Blue Cross must maintain a fiscal balance between premium income and benefits paid to ensure that we have the ability to continue to offer these products and to pay policyholder claims in the future.
Arkansas Blue Cross's Facts at a Glance
Arkansas Blue Cross and Blue Shield Health Plans in Arkansas
| Plan Name | Deductible | Coinsurance | Ratings |
| $1,000 | 20% | ||
| $2,500 | 20% | ||
| $500 | 20% | ||
| $500 | 20% | ||
| $10,000 | | ||
| $5,000 | | ||
| $2,500 | | ||
| $1,000 | 20% | ||
| $1,500 | | ||
| $3,000 | | ||
| $5,000 | | ||
| $2,500 | | ||
| $10,000 | | ||
| $5,000 | |
Arkansas Blue Cross's Awards and Recognitions
> A.M. Best Co. has affirmed the financial strength rating (FSR) of A (Excellent) of Arkansas Blue Cross and Blue Shield. Additionally, A.M. Best upgraded the FSR to A (Excellent) from A- (Excellent) of HMO Partners [dba Health Advantage]. The outlook for all ratings is listed as stable.
> 2004 - Arkansas Blue Cross placed first out of 66 Blue Cross licensees nationwide in the Provider Data Quality Index.
> 2004 - BlueAdvantage Administrators of Arkansas won the Arkansas Institute for Performance Excellence Achievement Award.
> 2004 - Arkansas Blue Cross was named by InformationWeek magazine as one of the 500 "Top Innovators" in Information Technology in the country.
> 2005 - Arkansas Blue Cross recognized as "2004 Arkansas Business of the year" in the category of 'Outstanding Philanthropic Corporations' for the Blue & You Foundation for a Healthier Arkansas.
> 2005 - Arkansas Blue Cross won "Best of Blue" awards for its Federal Employee Program, Innovations in Partnerships, Arkansas Fitness Challenge.
> 2005 - Arkansas Blue Cross won the corporate leadership award from the Governor's Council on Fitness.
> 2006 - Arkansas Blue Cross made the 2006 InformationWeek 500 list for its work in developing public health records and the integrated settlement application for the consumer-directed, health-care market.
> 2006 - Arkansas Blue Cross received the Excellent Service Profile Award and Plan Excellence Award for its work with the Federal Employee Program
> 2007 - Arkansas Blue Cross is one of 23 companies nationwide to be awarded the Platinum Fit Friendly Company Award and one of only four companies nationwide to be awarded the Community Fitness Innovation Award by the American heart Association.
> 2007 - Arkansas Blue Cross wins two awards from the Blue Cross and Blue Shield Association for the health plan's performance in the BlueCard® program: Provider Satisfaction and Most Improved Provider Service.
> 2007 - Arkansas Blue Cross made the 2007 InformationWeek 500 list for its work in developing both administrative and clinical systems integration across Arkansas.
Arkansas Blue Cross Subsidiaries
HMO Partners, Inc. [dba Health Advantage] - the state's largest and oldest HMO and the only statewide HMO that is both state-certified and federally qualified.
BlueAdvantage Administrators of Arkansas - the state's largest third-party administrator, administering employer health plan benefits for more than 223,000 members.
Blue & You Foundation for a Healthier Arkansas - a charitable foundation established and funded by Arkansas Blue Cross to promote better health in Arkansas awarding up to $1 million in grants annually to non-profit or governmental organizations and programs that positively affect the health of Arkansans).
Pinnacle Business Solutions, Inc. - a wholly owned subsidiary of Arkansas Blue Cross that administers and manages various government contracts, including but not limited to, Medicare and related programs as well as other governmental programs.
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