I am a videographer and about 20 years ago was doing a lot of corporate videos for BCBS here in the state where I live. All state BCBS's are independent but belong to the national umbrella organization. I never have figured out that one. I shot for them over the course of probably 4-5 years or so. The videos included a lot of upper management people so had to get the gear up to the executive suites for the setups. In order to get to the floor, in the elevator you had to have a key card and when you to exec floor and off the elevator, there was a second glass door with a security person behind it that would allow you entrance. Again with a key card. The offices had extremely nice, modern offices and cubicles all with nice wood accents unlike the usual ones in the call center areas. Modern art objects like paintings and vases, etc. were on table and walls. Color keyed carpeting with modern designs. The execs also had a private, enclosed executive dining area with white linen table cloths, napkins and silverware with meals served by the company that supplied the food for the regular employee dining area. Some of the really upper guys had a bathroom in their office with a shower as well. All very nicely appointed too. The company I worked for had BCBS as their health insurance carrier and it opened my eyes as to where a nice chunk of my monthly contribution to the plan went. The entire building complex was surrounded by fences with security patrols. All that and supposedly BCBS is a non profit company. They have staff doctors, nurses and lawyers to first decide whether or not to deny a claim and then have the lawyers to make sure there are no legal issues with the decision. If people knew how much their money was going to executive comfort and perks along with the plush offices they would be outraged. They really are crooks.