Blue Cross Blue Shield Association provides useful and important insurance coverage for the Americans. The individual insurance companies of Blue Cross and Blue Shield are licensees, which are associations, independent from each other. While the Blue Cross provides useful coverage regarding the expense coverage of the hospital services, the Blue Shield provides insurance coverage for the services of the physicians. Blue Cross originated as an insurance plan under the health insurance of the citizens; while Blue Shield was an initiative by the mining and lumbering industry employers of Northwest Pacific for providing medical care to the employees. Blue Cross Blue Shield Association serves the collective requirements of the plans of Blue Cross and Blue Shield.