The Blue Shield Spectrum PPO
A Preferred Provider Organization (PPO) is a type of managed care plan. And it's one of the most popular health insurance plans in the country.
With a Spectrum PPO from Blue Shield of California you'll get an affordable plan with the flexibility to find healthcare with any doctor or specialist you choose.
How Do PPOs Work?
PPO plans work with large "networks" of doctors, specialist, hospitals, and other healthcare providers. All the providers in the network agree to discount their medical services ý which means you'll have lower monthly premiums and lower co-payments.
You'll save the most when you choose in-network doctors and hospitals. But with a PPO you'll be covered when you see any healthcare provider ý inside or outside of the network.
How Does A Blue Shield Spectrum PPO Work?
The Deductible
You'll start off by choosing a $500, $750, $1,500, $2,000, or $5,000 deductible. This is the amount you'll be responsible for before your Spectrum PPO plan starts to cover you.
When you're choosing your deductible, be careful ý a lower deductible won't always save you money. The higher the deductible is, the lower your monthly premiums will be.
The Features
With a Blue Shield Spectrum PPO, you'll have coverage for many medical services. Here are some of the covered services:
- Preventive care. Including regular check-ups, physical exams, gynecological exams, well-baby care, and vaccinations.
- Hospital care. Including in-patient physician consultations, surgeon's fees, and anesthesiologist fees.
- Emergency care. Including doctor's care and ambulance transportation.
- Prescription drugs. For generic and brand name drugs.
- Pregnancy and maternity care. Including prenatal and postnatal care, along with delivery services.
The Co-payments
Even though your Blue Shield Spectrum PPO will help you with a large portion of a medical bill, you'll be responsible for a small part as well. This part is called your co-payment.
You'll have to make co-payments for doctor's visits and other preventive care services. Your cost for these services ranges from $30 to $45. Prescription drugs are just $10 for generic drugs and $35 for brand name drugs. For other medical services such as emergency care, hospitalization, pregnancy and maternity care, and other outpatient services, you'll be responsible for 25% to 30% of the cost.
Find What's Right For You
When you request your free online quotes, you'll get connected with our expert advice. We can help you find the Blue Shield Spectrum PPO to fit your healthcare needs.
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