How Blues Plans Work Together to Form a National Network

Have you ever dropped a call driving through a “dead zone”?

It’s frustrating to lose service, especially if you’re on an important call. That’s why cell phone companies compete to have a national network available.

Having a network that provides national access when needed for your cell phone is surprisingly similar to the importance of networks when it comes to your health insurance. Just as a phone doesn’t do you any good if you can’t talk on it, health insurance is useless if you can’t see a doctor.

And while maybe you have your regular doctor close to home, what if you get injured while skiing in Colorado? Or what if your child gets sick while away at college in Indiana? Injuries and sickness don’t know state lines, so it’s important that your health insurance travels with you.

That’s why Blue Cross Blue Shield (BCBS) companies work together across the country and around the world to make sure people can get access to doctors everywhere.

How? BCBS health plans are each like a cell tower. Some states, such as Michigan, have one. Other states, like New York, have four. Just like cell phone towers, these companies work together to provide national coverage. So if you’re a BCBSM member and your son or daughter goes to an out-of-state college, they’ll have access to doctors wherever they go.

Plus, if you work in Michigan, but your company is headquartered in New Jersey and offers Horizon BCBS, Blue Cross Blue Shield of Michigan will take care of you when you are in our state.

More than 105 million members – one in three Americans – rely on Blue Cross Blue Shield companies for access to safe, quality, and affordable healthcare in all 50 states, the District of Columbia and Puerto Rico. Nationwide, more than 96 percent of hospitals and 92 percent of professional providers contract with BCBS companies – more than any other insurer.

To find an in-network doctor near you, visit

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Photo credit: Jennie-o

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