Insurance is difficult to understand not only due to the jargon but also the fact that it’s constantly changing in light of the Federal Health Reform Act. Does your maximum out of pocket include your deductible? Does office visits reduce your deductible or your out of pocket maximum? These answers are not uniform, and this is why you want to work with an agency that explains the plans in a consistent and easy to understand manner.
BenefitPackages.com has been helping customers more than 25 years (formerly Hurwitz Insurance & Financial Services) make intelligent health care decisions. As a Blue Shield of CA top producing agency our goal is to be number one based on the quality and service that we provide our customers. There are various choices within the Blue Shield of CA portfolio, no one plan fits all. Below is a brief summary of their PPO portfolio, listing the least expensive plans first. Health care reform has mandated unlimited lifetime benefits & 100% coverage before the deductible for preventative care. Furthermore, CA has mandated maternity benefits for all health plans.
- Shield SaverThis plan offers both a $4,000 & $6,000 deductible. All benefits including prescriptions accrue toward deductible and then are paid at 100%.
- Shield Wise This plan offers a $2,500, $3,500 & $4,500 deductible All benefits accrue toward deductible and then are paid at 75% for the $2,500 deductible, 65% for the $3,500 deductible, and 55% for the $4,500 deductible until maximum out of pocket is reached. At that point, all plans pay 100%. $25 copayment for the two office visits per calendar year for the $2,500 health insurance plan, $35 copay for the $3,500 plan & $45 copay for the $4,500 plan. Further visits can help you to reduce the deductible on your California health insurance plan. For generic prescriptions, there is a $10 copay and no deductible, and for brand name prescriptions, there is a $35 copay & a $3,000 deductible.
- Shield Secure This plan offers $2,070, $4,000 & $6,000 deductibles. All benefits accrue toward deductible and then are paid at 60% until maximum out of pocket is reached, at which point they will be paid at 100%. There is a $30 copayment for physician visits with no deductible. For generic prescriptions, there is a $10 copay and no deductible, and for brand name prescriptions, there is a $35 copay & a $3,000 deductible.
- Shield Secure Plus This plan offers $2,070, $4,000 & $6,000 deductibles. All benefits accrue toward deductible and then are paid at 70% until maximum out of pocket is reached, at which point they will be paid at 100%. There is a $30 copayment for physician visits, with the deductible waived. There is also a $10 copay for generic prescriptions, with the deductible waived, or a $35 copay & $5,000 deductible for brand name prescriptions.
Blue Shield of California is dedicated to providing all Californians with affordable healthcare. And being protected by a Blue Shield plan means more than just having health insurance, it’s about always having access to quality healthcare.
How Will A Blue Shield Plan Protect Me?
Blue Shield specializes in managed care plans. They’re the most affordable plans available for comprehensive and quality coverage. Blue Shield offers managed care health plans for individuals and families.
The 2 most common managed care plans are:
Managed care is affordable because they create a “network” of doctors, specialists, and hospitals that offer their medical services at a discount. That means more affordable costs for you, lower premiums, co-payments, and deductibles.
And it’s quality coverage because they offer protection for many of your healthcare needs. You’ll find covered care for:
- Preventive care
- Hospital care
- Emergency care
- Prescription drugs
Blue Shield also offers dental plans, so you can make sure your smile stays healthy.
Tell Me More About The Network
You’ll save the most when you stick with care providers inside of the network. But you won’t have to worry about a shortage of doctors and hospitals to choose from.
In California, there are close to 30,000 participating doctors and specialists in the HMO network with over 300 hospitals. And there are over 47,000 doctors in the PPO network, along with 351 hospitals. Together they make up one of the biggest networks in the state.
Trust In Blue Shield
With a strong network and almost 7 decades of experience, Blue Shield continues to provide more than 3 million Californians the high-quality care they deserve.
You can find a Blue Shield plan, too. Request free online quotes, and get our expert advice. We’ll help you find the right Blue Shield insurance plan to keep your health protected.