Which of the following apply to the BlueCross BlueShield Association (BCBS)?

a) BCBS is an association and not a payer.
b) BCBS only works with for-profit organizations and members.
c) BCBS has both for-profit and nonprofit members.
d) BCBS's national scope means that knowing about its programs is important for all medical insurance specialists.
e) BCBS is a major national payer.