Blue Cross of California and the Blue Shield Network
Affordable health insurance provides many with a means to safeguard against the crippling effects of unexpected medical expenses, such as bills resulting from a sudden hospitalization or injury. Blue Cross of California is a particularly affordable option for citizens of California, and there are many hospitals and private practices throughout the state that work in partnership with Blue Cross, to make up the Blue Shield network. Blue Cross members can choose between these establishments to receive their medical care more affordably.
Blue Cross of California Offers PPO and HMO Plans
Two of the main types of plan offered by Blue Cross of California are PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) plans. PPOs are useful in that they provide a degree of flexibility – referrals are not required in order to see specialists, and members are not required to elect a primary physician. HMO plans, alternatively, offer lower premiums but do require a primary physician to be selected, and may require referrals in some instances.