Health Care Service Corporation Health Insurance

Health Care Service Corporation – Country’s Largest Customer-owned Health Insurer


About Health Care Service Corporation (HCSC)

Heath Care Service Corporation is the United States largest customer-owned health insurance company located in Chicago, Illinois. Founded in 1936, the company is the license of the Blue Cross Blue Shield Association for five different states. With a network of offices in the United States, the company serves more than 16 million members and employs more than 23,000 people in over 60 local offices.

The company has come out with some pioneer health plans and were first to provide coverage for a number of medical conditions like cancer, heart, bone marrow transplants, leukemia and several other problems. Today the company is trailblazer in coming up with value-based healthcare models to spur collaboration among various stakeholders to impart better health care products and services that allow people lead healthier lives. The company also provide access to high quality and cost-effective health care and empower their customers with right set of information and tools that allow them take sound health care decisions for themselves and their families. The company’s subsidiaries include Blue Cross Blue Shield of Illinois, Prime Therapeutics, Blue Cross Blue Shield Oklahoma, and Dental Network of America.

Health Insurance Plans offered by HCSC

Through its subsidiaries and divisions, HCSC offers a variety of group and individual benefits plans, related services and life insurance products. HCSC health plans were among the first to offer comprehensive health coverage in their state and they pioneered many of the health care benefits that are taken for granted today. The company has made shopping for health plans easy, as there is a website for each state and customers looking for a health plan need to visit the website of their state in which they live. The customers need to provide zip code, birth date along with the information of the member who they wish to add onto their plan. After providing the information, a list is displayed showing up all the plans for which one qualifies. Then it becomes easier for people to view details and benefits of plans, compare plans and then decide the best plan that works best for them.

Health insurance plans offered by Health Care Service Corporation include:

Individual and Family Plans

HCSC offers a variety of health insurance plans but not every Individual and family health insurance plans are available in all the five states. For example in Illinois there is PPOs, HMOs and HSAs plans available and in Montana PPOs and Point Of Service plans are available, in New Mexico only HMO plans are available, in Oklahoma only PPOs plans are available and in Texas only HMOs plans are available.


HCSC provides Medicare Advantage, Medicare Part D and Medigap plans through its state BCBS divisions. Though the options for medicare members vary from state to state but majority of the Medicare choose between HMO and PPO medicare Advantage plans. Even the Medigap plan options vary and members can select from plans A,B,C,F,G,K,L,M and N as well as high deductible Plan F.

Medicare Advantage Prescription Drug

These plans allow individuals to combine health and prescription drug coverage under one single plan. These plans offer comprehensive medical benefits to help Medicare-eligible individuals save money while providing greater choice and flexibility to access health care options that meet their changing needs.

Vital Facts about Health Care Service Corporation

  • The company serves more than 16 million members across the five states and employs more than 23,00 people in over 60 offices.
  • HCSC is dedicated to provide access to high-quality and cost-effective health care products and services.
  • The company complicatedly contribute to the well-being of the communities and support the communities through charitable investments with community partners, event sponsorship, donation drives and in-kind donations.
  • In the year 2018 the company received a number of prestigious awards and recognition such as American Heart Association Workplace Health Achievement Award and was also named to the Civic 50 for their community engagement initiatives.
  • The company served more than 700,000 children served through the Healthy Kids, Healthy Families initiative in 2018.
  • Health and wellness services that began in 2011 has been offered to more than 24 million children and their families since its beginning.
  • The company’s adopts a long-term perspective for health care financing, access and delivery to promote the entire health care system and not just the company’s position.
  • The company employs a collaborative approach to develop health care solutions with physicians, hospitals, and the government and community-based health organizations.


The company is operating with customer-centric approach and consider even themselves as consumers. The basic idea behind this is that they can empathize with consumers and anticipate their needs in a better way. The company has proactive approach in their customer services in order to make their customers feel valued and pampered. The customer care representatives can be easily consulted through phone calls, and emails. The company also offers 24/7 nurse facility and has tools like IVY and Blue Directions. In order to serve the customers in a better manner, the company has created a separate website for each five state to convey the information in a clear and concise manner.

States Availability

Health Care Service Corporation is the licensee of the Blue Cross and Blue Shield Association for 5 states. The company has its operations in Illinois, Montana, New Mexico, Oklahoma, and Texas. Although HCSC health insurance plans are available in five different states but they heavily concentrate in Illinois and Texas.

The Bottom Line

Though operating as a more local business, the Health Care Service Corporation provides benefits of a worldwide company. Residents of the five state in which the company is providing health plans will certainly find plans of this company beneficial and lucrative. It is an excellent company for availing different health insurance products. With their amazing customer services the company has made health plans shopping relatively easy and smooth. People obtaining health plans from HCSC are sure to receive a lots of benefits, discounts and convenience through tools like mobile apps. With their eight decades of experience in this field and their association with BCBS provide customers with best of options.

FAQ of Health Care Service Corporation (HCSC)

Health Care Service Corporation is an independent licensee of the Blue Cross and Blue Shield Association and is the largest customer-owned health insurance carrier in the United States and overall fifth largest health insurance carrier in the U.S. It is amongst the oldest health insurance company, who invented the prepaid hospital care plan. The company is today renowned as the largest and best health insurance carrier that has a relatively low complaint ratio. The low number of customers’ complaints indicates that the members are satisfied with the services and claim process of the company. HCSC is a customer-owned health insurer and is owned by its policyholders and not stockholders. Due to this, the company solely focus on customer needs without worrying about shareholder’s expectations. The company manages the critical issues affecting health care financing, access, and delivery with a long-term perspective, as they are not obliged to investors who seek a good return on their investment in the company.
Blue Cross Blue Shield or BCBS is a federation of 36 health insurance companies formed in the year 1982. Until the year 1975, Blue Cross (hospital services) and Blue Shield (physician services) were operating separately. When both Blue Cross and Blue Shield collaborated, then together it was named Health Care Service Corporation or HCSC. Thus HCSC is an independent licensee of the Blue Cross and Blue Shield Association.
Healthy Kid, Healthy Families® is an initiative of the HCSC undertaken to improve the health and well-being of the children and families across the states in which the company is operating. The health insurer has invested in some of the non-profit organizations offering sustainable and measurable programs in areas like physical activity, nutrition, preventing disease, managing disease, and promoting safe environments.
  • The HCSC are partners with the American Lung Association and directly work with health centers to improve the healthcare quality for children suffering from asthma by engaging healthcare providers, community leaders, and educators to improve long-term care.
  • The company has also partner with Feeding America to support 26 local food banks and other prominent organizations of the communities to get rid of food insecurity and to remove obstacles to adequate nutrition.
  • The company’s Mobile Health Vans program has 26 Care Vans that travel throughout the states to improve healthcare access for adults and children of underserved communities.
  • The company is also committed for providing safe playing, walking, running, and biking places to the people, and in their effort, the company has transformed a dirt field into a playground in Montana.
  • Currently, HCSC health insurer is operating in the following 5 states:
  • Illinois
  • Montana
  • New Mexico
  • Oklahoma
  • Texas
  • HCSC has over 16 million members across five states and the company employs more than 24,000 people in over 60 local offices.

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