Whois & Analysis for bcbsil.com

Medigap (also Medicare supplement insurance or Medicare supplemental insurance) refers to various private health insurance plans sold to supplement Medicare in the United States.

Medigap insurance provides coverage for many of the co-pays and some of the co-insurance related to Medicare-covered hospital, skilled nursing facility, home health care, ambulance, durable medical equipment, and doctor charges.

Medigap's name is derived from the notion that it exists to cover the difference or "gap" between the expenses reimbursed to providers by Medicare Parts A and B for the preceding named services and the total amount allowed to be charged for those services by the United States Centers for Medicare and Medicaid Services (CMS).

As of 2006, 18% of Medicare beneficiaries were covered by a Medigap policy.

Public-option Part C Medicare Advantage health plans and private employee retiree insurance provides a similar supplemental role for almost all other Medicare beneficiaries not dual eligible for Medicaid.

Health insurance is insurance against the risk of incurring medical expenses among individuals.

By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.

The benefit is administered by a central organization such as a government agency, private business, or not-for-profit entity.

According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury.

It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment" (pg.

225).

Illinois is a state in the midwestern region of the United States, achieving statehood in 1818.

It is the 6th most populous state and 25th largest state in terms of land area, and is often noted as a microcosm of the entire country.

The word "Illinois" comes from a French rendering of a native Algonquin word.

With Chicago in the northeast, small industrial cities and great agricultural productivity in central and northern Illinois, and natural resources like coal, timber, and petroleum in the south, Illinois has a diverse economic base and is a major transportation hub.

The Port of Chicago connects the state to other global ports from the Great Lakes, via the Saint Lawrence Seaway, to the Atlantic Ocean, as well as the Great Lakes to the Mississippi River, via the Illinois Waterway.

For decades, O'Hare International Airport has been ranked as one of the world's busiest airports.

Illinois has long had a reputation as a bellwether both in social and cultural terms and politics.

Health care in the United States is provided by many distinct organizations.

Health care facilities are largely owned and operated by private sector businesses.

58% of US community hospitals are non-profit, 21% are government owned, and 21% are for-profit.

According to the World Health Organization (WHO), the United States spent more on health care per capita ($8,608), and more on health care as percentage of its GDP (17%), than any other nation in 2011.

Blue Cross Blue Shield Association (BCBSA) is a federation of 36 separate United States health insurance organizations and companies, providing health insurance to more than 106 million Americans.

Blue Cross was founded in 1929 and became the Blue Cross Association in 1960, while Blue Shield emerged in 1939 and the Blue Shield Association was created in 1948.

The two organizations merged in 1982.