Bluegrass Family Health (BFH) thinks families need medical coverage -- in addition to a little banjo music -- to ensure wellness. The company is a not-for-profit subsidiary of Baptist Healthcare System that offers HMO, POS, and PPO health insurance plans to customers in the Bluegrass State. It also provides health savings accounts (HSAs), health reimbursement accounts (HRAs), and third-party administration of self-funded health plans. Established in 1993, BFH serves hundreds of thousands of members in counties throughout Kentucky, as well as in areas of Indiana and Tennessee. Members receive health care through BFH's contracted network of hospitals, physicians, pharmacies, and other health care providers.