{"id":2692,"date":"2024-10-31T15:12:17","date_gmt":"2024-10-31T22:12:17","guid":{"rendered":"https:\/\/derendingerins.com\/medicarehealthplans\/?p=2692"},"modified":"2025-12-30T22:10:57","modified_gmt":"2025-12-31T06:10:57","slug":"focus-on-medigap-is-blue-shield-and-blue-cross-the-same-company-in-california","status":"publish","type":"post","link":"https:\/\/derendingerins.com\/medicarehealthplans\/2024\/10\/31\/focus-on-medigap-is-blue-shield-and-blue-cross-the-same-company-in-california\/","title":{"rendered":"Is Blue Shield and Blue Cross the Same Company in California? Local Focus on Medigap"},"content":{"rendered":"<h2>Is Blue Shield and Blue Cross the Same?<\/h2>\n<p>Blue Shield of California <a href=\"https:\/\/coverage-ca.com\/2024\/09\/16\/whatever-happened-to-the-california-blues\/\" target=\"_blank\" rel=\"noopener\">is not the same<\/a> as Anthem Blue Cross. In fact, their Medicare Supplement (aka &#8220;medigap&#8221;) products compete directly against one another.<\/p>\n<p><a href=\"https:\/\/bsca2.destinationrx.com\/PC\/Agent\/u\/OTQyNTEyNDc5RQ\/Consumer?SourceSiteType=YnJva2Vy&amp;AgentLoginDomain=QlNDQQ%3d%3d&amp;SourceSiteId=M2FlZDMyOWItMTIwNS1lZTExLTg2YjktMDA1MDU2YmRiNWU2&amp;lang=en&amp;PY=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-63\" src=\"https:\/\/i0.wp.com\/www.californiaenrollment.com\/wp-content\/uploads\/2023\/12\/BSC-2Color-Primary.jpg?resize=160%2C62&#038;ssl=1\" alt=\"Is Blue Shield and Blue Cross the same?\" width=\"160\" height=\"62\" \/><\/a><\/p>\n<p>By most estimates, Blue Shield of California is the market share leader for the number of medigap (medicare supplement) insurance policies issued in California. \u00a0Approximately two years ago, Blue Shield dethroned United Healthcare as #1, although <a href=\"https:\/\/wp.me\/PeaKIx-J9\" target=\"_blank\" rel=\"noopener\">United Healthcare<\/a> continues to dominate across all 50 states. \u00a0 An impressive accomplishment, given Blue Shield&#8217;s not-for-profit ownership status.<\/p>\n<p>Further down the marketshare list is Anthem Blue Cross, who <a href=\"https:\/\/coverage-ca.com\/2024\/09\/16\/whatever-happened-to-the-california-blues\/\" target=\"_blank\" rel=\"noopener\">recently rebranded<\/a> as Elevance Health. \u00a0Not-for-Profit Blue Shield of California has many things going for it, including&#8230;<\/p>\n<ul>\n<li>Blue Shield&#8217;s unique <strong>2% Pledge<\/strong>, which limits their net income to 2% of revenue. Any earnings beyond this limit are returned to customers or invested in the community.<\/li>\n<li>Northern California location (Oakland, CA).<\/li>\n<li>Blue Shield of California offers both regular Plan G medigap and Plan G Extra (Innovative\n<div id=\"attachment_2805\" style=\"width: 173px\" class=\"wp-caption alignright\"><a href=\"https:\/\/calendly.com\/marc-medicarehelper\/15min?back=1&amp;month=2024-09\" target=\"_blank\" rel=\"https:\/\/calendly.com\/marc-medicarehelper\/15min?back=1&amp;month=2024-09 noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2805\" class=\"wp-image-2805\" src=\"https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291.jpg?resize=163%2C89&#038;ssl=1\" alt=\"Marc's Calendar\" width=\"163\" height=\"89\" srcset=\"https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=1024%2C559&amp;ssl=1 1024w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=300%2C164&amp;ssl=1 300w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=768%2C419&amp;ssl=1 768w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=1536%2C839&amp;ssl=1 1536w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=2048%2C1118&amp;ssl=1 2048w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=624%2C341&amp;ssl=1 624w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?w=1250&amp;ssl=1 1250w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?w=1875&amp;ssl=1 1875w\" sizes=\"auto, (max-width: 163px) 100vw, 163px\" \/><\/a><p id=\"caption-attachment-2805\" class=\"wp-caption-text\">Click to Schedule Free Consult<\/p><\/div>\n<p>class) medigap product choices for consumers.<\/li>\n<\/ul>\n<p>Blue Shield of California&#8217;s rates are competitive, see both insurance company&#8217;s pricing and compare for yourself:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.blueshieldca.com\/bwa\/unauth\/broker\/buyblue?param=KuY68Zu2p23o\" target=\"_blank\" rel=\"noopener\">Blue Shield of California<\/a><\/li>\n<li><a href=\"https:\/\/agentsite.anthem.com\/agentsite\/ac\/derendinger\" target=\"_blank\" rel=\"noopener\">Anthem<\/a> (now known as Elevance Health)<\/li>\n<li>The <a href=\"https:\/\/wp.me\/peaKIx-O9\" target=\"_blank\" rel=\"noopener\">most important<\/a> questions about Medigap<\/li>\n<\/ul>\n<h2>Blue Shield of California&#8217;s Leadership<\/h2>\n<p>While Blue Shield may <a href=\"https:\/\/news.blueshieldca.com\/2022\/04\/06\/blue-shield-of-california-ranks-no-1-as-individual-medicare-supplement-plan-carrier-in-market-share-for-2021\" target=\"_blank\" rel=\"noopener\">enjoy a Number 1<\/a> ranking of medigap policies issued in California, no discussion is complete with mentioning a close rival, United Healthcare. \u00a0Where Blue Shield boasts not-for-profit ownership status, United Healthcare boasts a branding relationship with the largest senior advocacy organization in the United States.<\/p>\n<p>Further, United Healthcare&#8217;s medigap products include the <a href=\"https:\/\/www.medicare.gov\/publications\/10050-medicare-and-you.pdf\" target=\"_blank\" rel=\"noopener\">Community Rating<\/a> method, in contrast to Blue Shield&#8217;s Attained Age method. As far as we can tell, no other individual medigap insurer in California prices their supplemental medigap policies based on a community rate.<\/p>\n<p>How does community rating work? \u00a0This is a great question and another good question is &#8220;do some medigap insurance policies cover more doctors than others&#8221; e.g. Stanford, Sutter, Palo Alto Medical Foundation? \u00a0These issues are best discussed with a local independent agent who is contracted with Blue Shield of California, Anthem (Elevance), and <a href=\"https:\/\/wp.me\/PeaKIx-J9\" target=\"_blank\" rel=\"noopener\">United Healthcare<\/a>. \u00a0Book a <a href=\"https:\/\/calendly.com\/marc-medicarehelper\/calendly-topic-how-to-select-a-medigap-plan\" target=\"_blank\" rel=\"noopener\">short consult<\/a> with a licensed sales agent and save a lot of research time: \u00a0There is no obligation to buy.<\/p>\n<h3>Free 15-Minute <a href=\"https:\/\/calendly.com\/marc-medicarehelper\/15min?back=1&amp;month=2024-09\">Telephone Consult<\/a><\/h3>\n<div id=\"attachment_2805\" style=\"width: 223px\" class=\"wp-caption alignright\"><a href=\"https:\/\/calendly.com\/marc-medicarehelper\/calendly-topic-how-to-select-a-medigap-plan\" target=\"_blank\" rel=\"https:\/\/calendly.com\/marc-medicarehelper\/15min?back=1&amp;month=2024-09 noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2805\" class=\"wp-image-2805\" src=\"https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291.jpg?resize=213%2C116&#038;ssl=1\" alt=\"Marc's Calendar\" width=\"213\" height=\"116\" srcset=\"https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=1024%2C559&amp;ssl=1 1024w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=300%2C164&amp;ssl=1 300w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=768%2C419&amp;ssl=1 768w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=1536%2C839&amp;ssl=1 1536w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=2048%2C1118&amp;ssl=1 2048w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=624%2C341&amp;ssl=1 624w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?w=1250&amp;ssl=1 1250w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?w=1875&amp;ssl=1 1875w\" sizes=\"auto, (max-width: 213px) 100vw, 213px\" \/><\/a><p id=\"caption-attachment-2805\" class=\"wp-caption-text\">Click to Schedule Your Free 15-min Call<\/p><\/div>\n<p>You should never overpay for medigap insurance, instead, get expert advice before you enroll. \u00a0Learn <a href=\"https:\/\/wp.me\/peaKIx-Aq\" target=\"_blank\" rel=\"noopener\">the latest<\/a> on Medicare access to Stanford, Sutter-PAMF etc. \u00a0In California, there&#8217;s no extra\u00a0cost when you use a <a href=\"https:\/\/calendly.com\/marc-medicarehelper\/calendly-topic-how-to-select-a-medigap-plan\">local, independent agent<\/a>\u00a0 and, the best news is the agent is compensated by the insurance company (not you)! \u00a0\u00a0<a href=\"https:\/\/wp.me\/PeaKIx-R\" target=\"_blank\" rel=\"noopener\">First, Learn About Us<\/a><\/p>\n<h2>Blue Shield of California Talking Points<\/h2>\n<ul>\n<li>In Blue Shield of California&#8217;s words, &#8220;We\u2019re driven by our mission \u2014 not by meeting shareholder expectations. That\u2019s why we cap our net income at 2% of revenue and return anything above that to our customers and the communities we serve.&#8221;<\/li>\n<li>Headquartered in Bay Area<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Additional Resources:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.blueshieldca.com\/en\/home\/about-blue-shield\/corporate-information\/financials\">https:\/\/www.blueshieldca.com\/en\/home\/about-blue-shield\/corporate-information\/financials<\/a><\/li>\n<li><a href=\"https:\/\/www.blueshieldca.com\/content\/dam\/bsca\/en\/member\/docs\/Blue-Shield-of-California-2023-Mission-Report.pdf\">https:\/\/www.blueshieldca.com\/content\/dam\/bsca\/en\/member\/docs\/Blue-Shield-of-California-2023-Mission-Report.pdf<\/a><\/li>\n<li><a href=\"https:\/\/www.blueshieldca.com\/en\/home\/about-blue-shield\/corporate-information\/awards\">https:\/\/www.blueshieldca.com\/en\/home\/about-blue-shield\/corporate-information\/awards<\/a><\/li>\n<li>Blue Shield <a href=\"https:\/\/news.blueshieldca.com\/2022\/04\/06\/blue-shield-of-california-ranks-no-1-as-individual-medicare-supplement-plan-carrier-in-market-share-for-2021\" target=\"_blank\" rel=\"noopener\">Press Release<\/a> dated April 6, 2022<\/li>\n<li>Coverage California blog: <a href=\"https:\/\/coverage-ca.com\/2024\/09\/16\/whatever-happened-to-the-california-blues\/\" target=\"_blank\" rel=\"noopener\">California Blues<\/a><\/li>\n<li>Recent news about<a href=\"https:\/\/wp.me\/peaKIx-Fu\" target=\"_blank\" rel=\"noopener\"> Plan G changes<\/a> at Blue Shield of California<\/li>\n<li><a href=\"https:\/\/wp.me\/PeaKIx-J9\" target=\"_blank\" rel=\"noopener\">Authorized to offer<\/a> United Healthcare and Blue Shield products<\/li>\n<\/ul>\n<h3>Book an obligation-free <a href=\"https:\/\/calendly.com\/marc-medicarehelper\/calendly-topic-how-to-select-a-medigap-plan\">Telephone Consult<\/a> or phone (408) 252-7300 Located in west San Jose.<\/h3>\n<div id=\"attachment_2805\" style=\"width: 100px\" class=\"wp-caption alignleft\"><a href=\"https:\/\/calendly.com\/marc-medicarehelper\/calendly-topic-how-to-select-a-medigap-plan\" target=\"_blank\" rel=\"https:\/\/calendly.com\/marc-medicarehelper\/15min?back=1&amp;month=2024-09 noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2805\" class=\"wp-image-2805\" src=\"https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291.jpg?resize=90%2C49&#038;ssl=1\" alt=\"Marc's Calendar\" width=\"90\" height=\"49\" srcset=\"https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=1024%2C559&amp;ssl=1 1024w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=300%2C164&amp;ssl=1 300w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=768%2C419&amp;ssl=1 768w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=1536%2C839&amp;ssl=1 1536w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=2048%2C1118&amp;ssl=1 2048w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?resize=624%2C341&amp;ssl=1 624w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?w=1250&amp;ssl=1 1250w, https:\/\/i0.wp.com\/derendingerins.com\/wp-content\/uploads\/2024\/09\/shutterstock_2503592291-scaled.jpg?w=1875&amp;ssl=1 1875w\" sizes=\"auto, (max-width: 90px) 100vw, 90px\" \/><\/a><p id=\"caption-attachment-2805\" class=\"wp-caption-text\">Click to Schedule<\/p><\/div>\n<h6>\u00a0<a href=\"https:\/\/wp.me\/PeaKIx-R\" target=\"_blank\" rel=\"noopener\">Learn More About Us<\/a><\/h6>\n<p><a href=\"https:\/\/bsca2.destinationrx.com\/PC\/Agent\/u\/OTQyNTEyNDc5RQ\/Consumer?SourceSiteType=YnJva2Vy&amp;AgentLoginDomain=QlNDQQ%3d%3d&amp;SourceSiteId=M2FlZDMyOWItMTIwNS1lZTExLTg2YjktMDA1MDU2YmRiNWU2&amp;lang=en&amp;PY=1\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-63\" src=\"https:\/\/i0.wp.com\/www.californiaenrollment.com\/wp-content\/uploads\/2023\/12\/BSC-2Color-Primary.jpg?resize=160%2C62&#038;ssl=1\" alt=\"Is Blue Shield and Blue Cross the same?\" width=\"160\" height=\"62\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is Blue Shield and Blue Cross the Same? Blue Shield of California is not the same as Anthem Blue Cross. In fact, their Medicare Supplement (aka &#8220;medigap&#8221;) products compete directly against one another. By most estimates, Blue Shield of California is the market share leader for the number of medigap (medicare supplement) insurance policies issued [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Focus On Medigap: Is Blue Shield and Blue Cross the Same Company in California?","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[91,30,92,54,55],"tags":[],"class_list":["post-2692","post","type-post","status-publish","format-standard","hentry","category-innovative-plan-g","category-medicare-supplement-insurance","category-medigap","category-plan-g","category-plan-g-extra"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_shortlink":"https:\/\/wp.me\/peaKIx-Hq","jetpack_sharing_enabled":true,"jetpack_likes_enabled":false,"_links":{"self":[{"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/posts\/2692","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/comments?post=2692"}],"version-history":[{"count":5,"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/posts\/2692\/revisions"}],"predecessor-version":[{"id":3119,"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/posts\/2692\/revisions\/3119"}],"wp:attachment":[{"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/media?parent=2692"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/categories?post=2692"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/derendingerins.com\/medicarehealthplans\/wp-json\/wp\/v2\/tags?post=2692"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}