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Choosing The Right Health Plan For You
Blue Cross of California offers a broad range of health plans, varying costs, levels of health coverage,
and accessibility to health care. These are important considerations for helping you identify which plan is right for you.
Your Plan Type and Access to Health Care
The plan type you choose will determine how you select and access health care services. In general,
the wider your choice of doctors and hospitals, the higher your costs will be in terms of premiums and/or levels of health care coverage.
PPO PLAN SELECTIONS
Preferred Provider Organization (PPO) Plans featuring PlanScape
The PPO Plans offer you the most flexibility in your choice of doctors and hospitals (providers). PPO Plans provide coverage
(at different levels) for services from both Participating and Non-Participating Providers. Please see he PPO Plan
section of this brochure for definitions of these and other terms related to PPO Plan Coverage.
PlanScape® PPO Share Plans
The Blue Cross PPO Share Plans all cover the same comprehensive package of health care services. The difference is in
the deductibles, coinsurance amounts and annual out-of-pocket maximums. Blue Cross offers a variety of PPO Share Plans so that
you can more precisely choose the best pricing options for you.
Basic PPO and PPO Saver Plans
The Basic PPO and PPO Saver Plans offer in-hospital and surgical coverage with low affordable monthly premiums.
These plans are designed to protect against great financial losses due to unexpected illness or injury.
Both plans offer limited coverage for professional services; however, for a slightly higher premium, the PPO Saver
Plan provides more covered professional services.
HMO PLAN SELECTIONS
The Blue Cross Individual HMO Plan provides extensive coverage with low out-of-pocket costs
for covered health care services you received only form HMO Network doctors and hospitals.
The Blue Cross HMO Saver Plan provides the same coverage as the Individual HMO Plan,
but has a deductible amount for of PPO Share Plans so that you can more precisely choose
the best pricing options for you.
Selecting a Plan Type
Use the statements below to help determine that plan type best meets your coverage needs.
• I want more control over my health care and access to any doctor or specialist I choose — PPO Plan
• I need a lower monthly premium so I'm willing to pay more for
my health care services as they occur through out the year — PPO Plan
• I want to pay as little as possible when I see a doctor, so I'm willing to select a specific medical
group and physician to coordinate all of my health care needs — HMO Plan
• I'm willing to pay higher premium up front so that my costs for health care services are lower as they occur
throughout the year — HMO Plan
Please contact Nancy Wang for more details.
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