Bluecross blue shield of texas

These tools and services can help you use your Blue Cross and Blue Shield of Texas (BCBSTX) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims status and more

Bluecross blue shield of texas. A: There are three different types of 1095 forms and reporting: 1095-A. 1095-A form: Provided by the Health Insurance Marketplace to members of on-exchange Retail plans to show the minimum essential coverage they had during the year. 1095-A reporting: Sent by the Marketplace to the IRS. 1095-B.

Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider. Pay your bill. Review benefits, account balances, claims …

The three-character prefix at the beginning of the member’s identification number is the key element used to identify and correctly route out-of-state claims to the appropriate BCBS Plan. The three-character prefix identifies the Blue Cross and Blue Shield Plan to which the member belongs. Some member’s ID cards may not have an alpha prefix ...Get a Quote/Browse and Buy Plans. Premium Tax Credit Estimator. Individual & Family Plans. Medicare Plans. Log in to Blue Access for Members. Register for Blue Access for Members. Pay My Bill.For Clinical Payment and Coding policy effective dates for in-network providers, please refer to the effective date listed on the policy. Disclosure notices subject to Title 28 of the Texas Administrative Code are posted at least 90 days in advance of the effective date of the change. All other disclosures will be provided with as much notice ...Blue Cross Group Medicare Advantage Open Access (PPO)SM Plan. Choose providers that accept Medicare nationwide without network restrictions at the same benefit levels for in and out of network providers. Providers must 1) accept Medicare; 2) agree to see you as a patient; and 3) agree to bill Blue Cross and Blue Shield of Texas (BCBSTX).All Blue Cross and Blue Shield of Texas Bronze plans offer the same set of health benefits, quality and amount of care. Your Bronze plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: Bronze plans have …Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association

About Us. Blue Cross and Blue Shield of Illinois is proud to be the state’s only statewide, customer-owned health insurer. We are also the largest provider of health benefits in Illinois, serving more than 8.9 million members in all 102 counties across the state. For more than 85 years, we’ve provided our members with comprehensive ...For all TRS-ActiveCare or TRS-Care Standard participants, providers can use the following statewide in-network clinical labs: Clinical Pathology Laboratory (CPL) — Contact 1-800-595-1275 or visit CPL's websit e. Quest Diagnostics, Inc. — Contact 1-888-277-8772 or visit Quest's website. Refer to Provider Finder ® for additional ... Blue Access for Members SM is a powerful tool for managing your Blue Cross and Blue Shield of Texas health plan benefits. You can opt in to receive your mail digitally, find a doctor and review your coverage. All Blue Cross and Blue Shield of Texas Gold plans offer the same set of health benefits, quality and amount of care. Your Gold plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: When you visit your primary … Prior Authorizations Lists for Blue Cross Medicare Advantage (PPO) and Blue Cross Medicare Advantage (HMO) Prior Authorizations Lists for Designated Groups; Recommended Clinical Review Option; Prior Authorization Exemptions (Texas House Bill 3459) Claims Filing Tips. Claim Status; Claim Review Process; Interactive Voice Response (IVR) System

Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield AssociationThe three-character prefix at the beginning of the member’s identification number is the key element used to identify and correctly route out-of-state claims to the appropriate BCBS Plan. The three-character prefix identifies the Blue Cross and Blue Shield Plan to which the member belongs. Some member’s ID cards may not have an alpha prefix ... Blue Cross and Blue Shield of Texas will guide you in the right direction. Enroll today. Call: 1-855-453-5945 * First Name Please enter a First Name Buy health insurance from BCBSTX. We offer individual, family and Medicare supplement plans for your health care needs, so get your free quote today! These tools and services can help you use your Blue Cross and Blue Shield of Texas (BCBSTX) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims status and more These tools and services can help you use your Blue Cross and Blue Shield of Texas (BCBSTX) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims status and more

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A: There are three different types of 1095 forms and reporting: 1095-A. 1095-A form: Provided by the Health Insurance Marketplace to members of on-exchange Retail plans to show the minimum essential coverage they had during the year. 1095-A reporting: Sent by the Marketplace to the IRS. 1095-B.You can choose or change your PCP by calling a BCBSTX Personal Health Assistant toll-free at (800) 252-8039 (TTY: 711) or by logging in to Blue Access for Members SM: Log in to Blue Access for Members. Click on the "Find Care" tab. On the Find Care page, see your current PCP on the right-hand side for each covered family member, if you already ...General Reimbursement Information. The following resources provide you with the information needed to administer Blue Cross and Blue Shield of Texas (BCBSTX) plans for your patients. You can find provider manuals, reimbursement documents and …The Blue Cross Blue Shield System is made up of independent and locally operated companies. To access your member services, please visit your BCBS company. Find …All Blue Cross and Blue Shield of Texas Silver plans offer the same set of health benefits, quality and amount of care. Your Silver plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: Silver plans have a monthly bill …

About Us. Blue Cross and Blue Shield of Illinois is proud to be the state’s only statewide, customer-owned health insurer. We are also the largest provider of health benefits in Illinois, serving more than 8.9 million members in all 102 counties across the state. For more than 85 years, we’ve provided our members with comprehensive ...Fax: (325) 794-2926. Claims: Send Claims Form to: Blue Cross and Blue Shield of Texas. PO Box 660044. Dallas, TX 75266-0044. Learn more about submitting medical and mental health claims. Fraud Hotline: Health care fraud affects health care costs for all of us.User ID. Password. Returning Shoppers. Log in for a quote, to compare plans, or to apply now. Talk to a licensed BCBSTX customer service representative. 1-888-672-2583. Monday - Friday. 9am - 4:30pm CST. Blue Access for Members Highlights.Last Updated: March 22, 2024. Get answers to common questions about Blue Cross Blue Shield of Texas health plans, benefits, and services. Empower yourself with knowledge. Learn more now.Blue Premier SM and Blue Premier Access. Blue Essentials HMO SM. MyBlue Health SM. More Searches. Find Providers Outside the U.S. Last Updated: Aug. 14, 2023. ... Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue …Fax: (325) 794-2926. Claims: Send Claims Form to: Blue Cross and Blue Shield of Texas. PO Box 660044. Dallas, TX 75266-0044. Learn more about submitting medical and mental health claims. Fraud Hotline: Health care fraud affects health care costs for all of us.Register for Blue Access for Members SM (BAM SM) to access everything you need to stay informed about your health care. Once you register, you’ll enjoy all the benefits: Access your digital member ID card. View claims status and history. Review health care benefit information. Find a doctor or pharmacy near you.Blue Cross and Blue Shield of Texas is pleased to offer health plans for individuals who qualify for the State STAR and CHIP programs. Your health and well-being is our priority. We offer quality-health service, access to our many network providers, and excellent customer service. Learn more about our plan benefits.Discount Program. Blue365 is just one more advantage of being a Blue Cross and Blue Shield of Texas (BCBSTX) member*. With this program, you and your family can save money on health care products — and services — that are most often not covered by your health plan. You'll see a full range of savings from top national and local … Blue Cross and Blue Shield of Texas es una aseguradora de salud estatal, propiedad de los clientes. Para nosotros, los consumidores y empleadores de Texas merecen lo mejor de ambos mundos: acceso accesible a cuidados de salud de excelente calidad y a servicios de primera categoría proporcionados por una compañía que se centra solamente en sus clientes, no en los accionistas.

These tools and services can help you use your Blue Cross and Blue Shield of Texas (BCBSTX) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider; Pay your bill; Review benefits, account balances, claims status and more

Dental coverage can be purchased as part of your Blue Cross and Blue Shield of Texas family and individual health insurance plan or as a standalone dental plan. As part of the Affordable Care Act, some Individual and Family plans …For Clinical Payment and Coding policy effective dates for in-network providers, please refer to the effective date listed on the policy. Disclosure notices subject to Title 28 of the Texas Administrative Code are posted at least 90 days in advance of the effective date of the change. All other disclosures will be provided with as much notice ... Here are some plan highlights. Get a Quote & Apply. Blue Cross Medicare Advantage (HMO) SM. Blue Cross Medicare Advantage (PPO) SM. Typically have lower or $0 monthly premiums. Your care is handled by one primary care provider (PCP) who knows your health history. Your costs will be as low as possible when you see a provider in the network. Insurance products issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Blue Cross and Blue Shield of Texas (BCBSTX) is the trade name of Dearborn Life Insurance Company, an independent licensee of the Blue Cross and Blue Shield Association. Forms and Helpful Resources. If you are already a member of the Blue Cross and Blue Shield of Texas (BCBSTX) family, discover all the ways you can take advantage of the special features that come with your health insurance plan. Register today for Blue Access for Members. Medicaid is a state-run program that helps those in need get health insurance. It is meant for people with a low income or a disability. The state determines who qualifies for Medicaid based on federal guidelines. Once you qualify, you can pick a health plan. BCBSTX's Medicaid plans can help meet your health care needs. Blue Cross and Blue Shield of Texas 1001 E. Lookout Drive Richardson, Texas 75082. General Information: 972-766-6900 TTD: 735-2989. Make a Payment. Mail your payment to the address on your premium invoice or learn about other convenient ways to pay your bill. Product and Program Contact Information If you are in a crisis situation and need immediate help finding resources for care, call 1-800-252-8039 (TTY: 711) and ask to speak to a mental health clinician. BCBSTX Personal Health Assistants can help with changing appointments, finding a new provider or answering benefit questions. Based on the most recent year of data, Blue Cross Blue Shield Medicare Supplement Insurance plans spend about 79.6% of premiums on member benefits. [6] …Get links to current claim forms, understand how to submit claims to BCBSTX, read claim responses and use the Claim Review Form to submit adjustment requests. Also refer to the Provider Tools page on the provider website for convenient tools available. Claim Submission Forms. CMS-1500 User Guide & Tutorial. CMS-1500 Claims Filing Address.

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General Reimbursement Information. The following resources provide you with the information needed to administer Blue Cross and Blue Shield of Texas (BCBSTX) plans for your patients. You can find provider manuals, reimbursement documents and …Each Healthy Action will earn you a $25 award. One reward per Healthy Action per year. The Healthy Activity Portal is a website owned and operated by HealthMine, Inc., an independent company that provides digital health and personal clinical engagement tools and services for Blue Cross and Blue Shield of Texas.Blue Premier SM and Blue Premier Access. Blue Essentials HMO SM. MyBlue Health SM. More Searches. Find Providers Outside the U.S. Last Updated: Aug. 14, 2023. ... Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue …Blue Cross and Blue Shield of Texas (BCBSTX) is pleased to offer our Blue Advantage HMO and Blue Advantage Plus HMO network in all 254 Texas counties. This cost-effective network is designed to provide affordable quality health care services to the uninsured and underinsured. These products offer the members medical benefits at a lower cost ...Sales Questions and Additional Plan Information: 1-888-731-0406. Calls may or may not be answered inside the United States. Monday – Friday: 8 a.m. – 8 p.m. CT Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association Blue Cross and Blue Shield of Texas. Attn: Complaints and Appeals Department. P.O. Box 660717. Dallas, Texas 75266-0717. Fax to 1-855-235-1055. Call BCBSTX at 1-888-657-6061 (TTY: 711) or email us at [email protected] if you have …Go Mobile With Blue. BCBSTX Mobile App. Features: Find an in-network doctor, hospital or urgent care facility or search for Spanish-speaking doctors. Access your claims, coverage and deductible information. Access your temporary digital member ID card. Secure login with Face ID (iOS only) and Fingerprint ID.We are committed to maintaining an environment of Equal Opportunity and Affirmative Action. If you need accommodation to access the information provided on this web site, please call us at 1-866-977-7378. Please be aware of persons posing as Blue Cross and Blue Shield of Texas employees.BCBSTX Values LGBTQ Inclusion. BCBSTX stands by our core values of integrity, respect, commitment, caring and excellence. We work together with our LGBTQ employees to better understand the health care needs of our LGBTQ members. One of the many ways we support our LGBTQ employees and allies is through the Pride Alliance business …Blue Cross and Blue Shield of Texas’ integrated claim process will automatically deduct the appropriate funds from your FSA and/or HCA and/or pay the claim from the PPO. If your plan covers non-PPO eligible expenses, send the receipt and claim form to the address on the claim form to receive a reimbursement from your FSA and/or HCA. ….

Blue Cross and Blue Shield of Texas (BCBSTX) gives health care benefits and access to care to help your child stay well. BCBSTX covers all medically necessary care that Medicaid covers. This includes: Visits to PCPs, specialists (with an OK ahead of time for out-of-network providers), or other providers. Routine physicals for children from ...Blue Cross Group Medicare Advantage Open Access (PPO)SM Plan. Choose providers that accept Medicare nationwide without network restrictions at the same benefit levels for in and out of network providers. Providers must 1) accept Medicare; 2) agree to see you as a patient; and 3) agree to bill Blue Cross and Blue Shield of Texas (BCBSTX). Group Health Insurance Plans Built for Business. Your employees are your most valuable assets. Whatever the size of your business, health plans from Blue Cross and Blue Shield of Texas (BCBSTX) can help you create a healthier and more productive workplace that attracts and retains top talent. With health insurance plans that balance ... Find the phone numbers, addresses and hours of operation for different products and services offered by BCBSTX. Learn how to make a payment, register as a supplier, or get claims and correspondence information. Find out how to update your Texas individual and family health insurance through Special Enrollment. Compare plan levels, benefits, costs and networks and manage your plan …Find a Pharmacy. If your Blue Cross and Blue Shield of Texas (BCBSTX) plan includes prescription drug coverage, select from the links below to search for a pharmacy: BCBSTX Prescription Drug Plans *. Medicare Plans *. Medicaid Plan: State of Texas Access Reform, STAR *. Medicaid Plan: Children’s Health Insurance Program, CHIP *. Health & Wellness News. Blue Cross Blue Shield of Texas - Health Insurance Texas. Get a free instant rate quote and apply online today for Texas health insurance plans including individual and family health insurance, Medicare supplement, short term health insurance and health savings account (HSA) compatible plans at www.bcbstx.com. Member Services. We want you to get the most from your plan. In this section, you’ll find resources to help you get started, maximize your benefits, use online tools, learn about claims and more. Choose your plan below to learn more. Blue Cross Medicare Advantage. Blue Cross MedicareRx (PDP) Prior Authorization Requests for Medical Care and Medications. Some medical services and medications may need a prior authorization (PA), sometimes called a “pre-authorization,” before care or medication can be covered as a benefit. Ask your provider to go to Prior Authorization Requests to get forms and information on services that may ... • Mail inquiries to: Blue Cross and Blue Shield of Texas P.O. Box 660044 Dallas, TX 75266-0044 • Additional Information requests – If you received an Additional Information request from BCBSTX, follow the instructions provided and … Bluecross blue shield of texas, Get the latest from FEP. Be the first to know about our benefits, wellness incentives and rewards you're eligible for with your plan. Learn all about the #1 health insurance choice for federal employees, retirees and their families., If you no longer qualify for Medicaid, we can help you find the right health coverage. Anthem Individual and Family plans can be an affordable option for you and your family. Talk to a health plan consultant: 833-828-6962 (TTY: 711) Mon-Fri, 8 am to 8 p.m. ET, 8 a.m. to 7 p.m. CT, 7 a.m. to 6 p.m. MT, 7 a.m. to 5 p.m. PT. , Blue Cross and Blue Shield of Texas is the only statewide, customer-owned health insurer in Texas and it's the largest provider of health benefits in the state, …, Blue Cross and Blue Shield of Texas (BCBSTX) launched MyBlue Health, an HMO network, as noted below in the following counties: Jan. 1, 2024. Comal, McLennan, and Rockwall ..., Member Services. These tools and services can help you use your Blue Cross and Blue Shield of Texas (BCBSTX) membership. Log in to Blue Access for Members SM (BAM SM) Log in to your account to access your health plan information: Find an in-network doctor, hospital or other provider. Pay your bill. Review benefits, account balances, claims ... , Find the phone numbers, addresses and hours of operation for different products and services offered by BCBSTX. Learn how to make a payment, register as a supplier, or get claims and correspondence information. , Find health insurance plans for individuals, families, Medicare and Medicaid in Texas. Compare plans, prices, doctors and get a quote online or request a brochure or agent., BCBSTX Mobile App. Features: Find an in-network doctor, hospital or urgent care facility or search for Spanish-speaking doctors. Access your claims, coverage and deductible information. Access your temporary digital member ID card. Secure login with Face ID (iOS only) and Fingerprint ID., Medicaid is a state-run program that helps those in need get health insurance. It is meant for people with a low income or a disability. The state determines who qualifies for Medicaid based on federal guidelines. Once you qualify, you can pick a health plan. BCBSTX's Medicaid plans can help meet your health care needs., Blue Access for Members SM is a powerful tool for managing your Blue Cross and Blue Shield of Texas health plan benefits. You can opt in to receive your mail digitally, find a doctor and review your coverage. , Telemedicine and Telehealth medical services – and procedures – are covered under some Blue Cross and Blue Shield of Texas (BCBSTX) PPO and HMO health …, User ID. Password. Returning Shoppers. Log in for a quote, to compare plans, or to apply now. Talk to a licensed BCBSTX customer service representative. 1-888-672-2583. Monday - Friday. 9am - 4:30pm CST. Blue Access for Members Highlights., Blue Cross Blue Shield of Texas - Health Insurance Texas. Get a free instant rate quote and apply online today for Texas health insurance plans including individual and family health insurance, Medicare supplement, short term health insurance and health savings account (HSA) compatible plans at www.bcbstx.com. , Blue Cross and Blue Shield of Texas 4444 Corona, Suite 148 Corpus Christi, TX 78411-4375 361-878-1623 Fax: 361-852-0624 Email to submit provider inquiries and questions. Dallas. See “North Texas” El Paso. Blue Cross and Blue Shield of Texas 114 Mesa Park Dr. Suite #300 El Paso, TX 79912 -6156 915-496-6600, press 2 Fax: 915-496-6614, Insurance products issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Blue Cross and Blue Shield of Texas is the trade name of Dearborn Life Insurance Company, an independent licensee of …, Blue Cross and Blue Shield of Texas, a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association, Insurance products issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Blue Cross and Blue Shield of Texas is the trade name of Dearborn Life Insurance Company, an independent licensee of …, At Blue Cross and Blue Shield of Texas (BCBSTX), we are committed to providing support to physician practices. We've designed useful tools for health care providers. Whether doing research or streamlining billing, these tools can help you evaluate costs, save time, improve service and more., Blue Cross and Blue Shield of Texas 1001 E. Lookout Drive Richardson, Texas 75082. General Information: 972-766-6900 TTD: 735-2989. Make a Payment. Mail your payment to the address on your premium invoice or learn about other convenient ways to pay your bill. Product and Program Contact Information, Blue Cross and Blue Shield of Texas (BCBSTX) launched MyBlue Health, an HMO network, as noted below in the following counties: Jan. 1, 2024. Comal, McLennan, and Rockwall ..., Claims and Eligibility. This section presents an introduction to doing business with Blue Cross and Blue Shield of TX (BCBSTX), along with an overview of options and resources that may help you maximize administrative efficiencies in your office. The pages in this section are designed to follow the claim cycle — from the moment a BCBSTX ..., Blue Cross MedicareRx plans cover a broad range of prescription drugs. The formulary may be different from what you’re used to, and it can change. The most current formulary is always available online. Share the formulary with your doctor and talk about the drugs you take now. You may be able to save money by choosing generic drugs., Texas: 800-451-0287 877-774-8592 (Blue Cross Medicare Advantage Plans) 877-299-2377 (Blue Essential Plans) 800-676-2583 (Blue Card - Eligibility) ... 855-558-1443 (Anthem Blue Cross Blue Shield Medicaid Plan) Wyoming: 800-442-2376: CMS 1500 blocks instructions in Medical Billing; BCBS Federal Phone Number ;, Check your benefits booklet for details. 5 Blue365 is only available to Blue Cross and Blue Shield of Texas (BCBSTX) members with active health plan coverage. Members who do not have an active health plan with BCBSTX will not be able to register on the Blue365 website. The relationship between Blue365, its vendors and BCBSTX is that of ..., Blue Cross and Blue Shield of Texas is pleased to offer health plans for individuals who qualify for the State STAR and CHIP programs. Your health and well-being is our priority. We offer quality-health service, access to our many network providers, and excellent customer service. Learn more about our plan benefits., Blue Cross and Blue Shield of Texas Attn: Enterprise Credentialing P.O. Box 65067 Dallas, TX 75265-0267; Hospital Privileges Requirements. The requirements for hospital/clinical admitting privileges are determined by the professional provider's specialty/provider type., You can call the customer service number listed on the back of your Blue Cross and Blue Shield of Texas (BCBSTX) member ID card to make sure the right email and mobile number is linked to your account or to change your contact preferences. ... a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue …, Prior Authorizations Lists for Blue Cross Medicare Advantage (PPO) and Blue Cross Medicare Advantage (HMO) Prior Authorizations Lists for Designated Groups; Recommended Clinical Review Option; Prior Authorization Exemptions (Texas House Bill 3459) Claims Filing Tips. Claim Status; Claim Review Process; Interactive Voice …, ENJOY THE BENEFITS OF BLUE365. Sign up for Blue365 to enjoy exclusive member discounts on fitness classes, exercise equipment, nutrition, and more. It's easy and free to join! Learn more. Blue Cross Blue Shield of Massachusetts brings health insurance plans, medical claims, insurance coverage, benefits and telehealth via MyBlue Web & App., With Blue Access for Producers (BAP), you can: Obtain an instant preliminary quote whenever customers call. View, download, or print the information you need. View product information. View your commission statements. For questions about BAP, contact the Blue Access® Internet Help Desk: 888-706-0583. Mon – Fri: 7 a.m. – 10 p.m. Central Time., Blue Cross and Blue Shield of Texas 1001 E. Lookout Drive Richardson, Texas 75082. General Information: 972-766-6900 TTD: 735-2989. Make a Payment. Mail your payment to the address on your premium invoice or learn about other convenient ways to pay your bill. Product and Program Contact Information, All Blue Cross and Blue Shield of Texas Bronze plans offer the same set of health benefits, quality and amount of care. Your Bronze plan options are different in how much you’ll pay each month, how much of your health care bill is covered for things like hospital visits and prescriptions and how much your out-of-pocket costs are: Bronze plans have …, Blue Cross and Blue Shield of Texas es una aseguradora de salud estatal, propiedad de los clientes. Para nosotros, los consumidores y empleadores de Texas merecen lo mejor de ambos mundos: acceso accesible a cuidados de salud de excelente calidad y a servicios de primera categoría proporcionados por una compañía que se centra solamente en sus clientes, no en los accionistas.