What are the terms of Blue Cross and Blue Shield of America's health insurance policies?

A dispute word medical insurance and blue shield medical insurance is two independent but close relationship between the private non-profit health insurance organizations, in the United States health insurance business has an important position. Because the relationship between American hospitals and physicians most of the open system, that is, physicians and hospitals to establish a collaborative contract, not to bear financial responsibility for each other. Physicians are borrowed from the hospital's manpower (nursing, medical technology, administration, supply staff, etc.), a did not prepare (hospital buildings, medical equipment) to carry out medical work; hospitals to provide physicians with all the medical needs of support. The patient pays the physician's service fee for the physician's examination, surgery, consultation, etc., and also pays the hospitalization fee, test fee, X-ray examination fee, medicine fee and operating room fee to the hospital. This is different from our current closed system. The scope of Blue Cross medical insurance belongs to the fees charged by the hospital; Blue Shield is limited to the diagnosis and treatment fees paid to individual physicians.