Blue Cross of California Plan Choices

PlanScape PPO Share Plans ý The Blue Cross PPO Share Plans all provide the same comprehensive offering of health care services. The major difference between these programs exists with the deductibles, coinsurance amounts, and yearly out-of-pocket maximums. However, Blue Cross offers an array of PPO Share Plans so that you can select the option that makes the most sense for your budget.

Basic PPO and PPO Saver Plan ý In-hospital and surgical coverage at a low monthly rate are provided through the Basic PPO and PPO Saver Plan. These plans are designed to assist against the financial loss that may incur due to unexpected illness or injury. Both Basic PPO and PPO Saver Plan provide limited coverage for professional services; although for a slightly greater fee, the PPO Saver Plan does offer more covered services.

HMO Plans ý There is a reason Blue Cross HMO Plans are so popular. Both the Individual HMO Plan and the Blue Cross Saver Plan provide excellent coverage with reduced out-of-pocket fees when an HMO Network doctor services you. The HMO Saver Plan has a deductible amount that keeps the premiums down, yet still provides you with the same outstanding coverage as the Individual HMO Plan.

To determine which plan type represents the best choice for your situation, the following statements may help identify whether you may be better off with a PPO or an HMO type of plan.

1. I want to be able to choose any doctor or specialist and Iýd like control over my health care. PPO Plan
2. I am willing to pay more for my health care services as long as my monthly premium is low. PPO Plan
3. I want to have one physician oversee all of my health care issues. I would like to pay as little as possible when I go to see a doctor. HMO Plan
4. I want to pay as little as possible for health care services and am willing to pay more through my initial premium. HMO Plan

Family Elect Program ý Most family members have varying health care needs. If this sounds like your family, you may want to select the Blue Cross Family Elect Program, which allows you to choose a different plan (PPO or HMO) for each family member. The unique nature of this program may help you create a program that works best for your entire family.