Individual Health Insurance - Blue Cross of California Resources

Plans Offered:

HMO Saver:

Individual HMO:

PPO Share 1000:

PPO Share 1500:

PPO Share 2500:

PPO Share 500:

PPO Share 5000:

Plan Name	HMO Saver
Details Brochure	Click to view brochure
Plan Description Benefit	This HMO plan offers competitive premiums, low out of pocket costs and unlimited lifetime benefits.
Plan Deductible Benefit	1500
Plan Out of Network Deductible Benefit	No coverage out of network
Plan Coinsurance Benefit	20% of negotiated fee
Plan Out of Network Coinsurance Benefit	No coverage out of network
Plan Out of Pocket Maximum Benefit	$1,500 per member (in addition to the deductible)
Plan Out of Network Pocket Maximum Benefit	No coverage out of network
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the family maximum is satisfied.
Maternity Benefit	Office visits - $10. Inpatient/Outpatient - Subject to deductible and coinsurance
Plan Lifetime Maximum Benefit	Unlimited
Plan Preventive Care Benefit	$10 copay
Plan Child Preventive Care Benefit	$10 copay
Plan Lab & X-Ray Benefit	No charge for office visit-related services; otherwise
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$10 copay
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	$50 copay (waived if admitted to the hospital)
Plan Prescription Drug Benefit	Formulary Drugs - $10 copay for generic, $30 copay for brand name after $250 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	See Exclusions Limitations

Plan Name	Individual HMO
Details Brochure	Click to view brochure
Plan Description Benefit	This HMO plan offers competitive premiums, low out of pocket costs and unlimited lifetime benefits.
Plan Deductible Benefit	0
Plan Out of Network Deductible Benefit	No coverage out of network
Plan Coinsurance Benefit	20% of negotiated fee
Plan Out of Network Coinsurance Benefit	No coverage out of network
Plan Out of Pocket Maximum Benefit	$1,500 per member (in addition to the deductible)
Plan Out of Network Pocket Maximum Benefit	No coverage out of network
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the family maximum is satisfied.
Maternity Benefit	Office visits - $10. Inpatient/Outpatient - Subject to coinsurance
Plan Lifetime Maximum Benefit	Unlimited
Plan Preventive Care Benefit	$10 copay
Plan Child Preventive Care Benefit	$10 copay
Plan Lab & X-Ray Benefit	No charge for office visit-related services
Plan Inpatient Hospital Benefit	20%
Plan Outpatient Surgery Benefit	20%
Plan Office Visits Benefit	$10 copay
Plan Urgent Care Benefit	Subject to coinsurance
Plan Emergency Care Benefit	Subject to coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	$50 copay (waived if admitted to the hospital)
Plan Prescription Drug Benefit	Formulary Drugs - $10 copay for generic, $30 copay for brand name after $250 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	See Exclusions Limitations

Plan Name	PPO Share 1000
Details Brochure	No brochure available
Plan Description Benefit	This PPO plan offers competitive premiums, extensive coverage and a large network of providers.
Plan Deductible Benefit	1000
Plan Out of Network Deductible Benefit	$1,000 per person
Plan Coinsurance Benefit	You pay 30% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$5,000 per person (includes deductible)
Plan Out of Network Pocket Maximum Benefit	$5,000 per person (includes deductible)
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the maximum for the family is satisfied.
Maternity Benefit	Subject to deductible and coinsurance
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	Annual physical, Mammogram, Pap and PSA - you pay 30%, deductible waived. Healthy Check Centers - $25 copay for basic or $75 copay for premium screenings.
Plan Child Preventive Care Benefit	You pay 40% of negotiated fee, deductible waived (through age 6)
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	You pay 30% of covered medical expenses (deductible waived)
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Formulary Drugs in Network - $10 copay for generic, $30 copay for brand name after $250 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	Six month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage.

Plan Name	PPO Share 1500
Details Brochure	Click to view brochure
Plan Description Benefit	This PPO plan offers competitive premiums, extensive coverage and a large network of providers.
Plan Deductible Benefit	1500
Plan Out of Network Deductible Benefit	$1,500 per member
Plan Coinsurance Benefit	You pay 30% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$4,500 per member (in addition to the deductible)
Plan Out of Network Pocket Maximum Benefit	$4,500 per member (in addition to the deductible)
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the maximum for the family is satisfied.
Maternity Benefit	Subject to deductible and coinsurance
Plan Lifetime Maximum Benefit	$5,000,000 per member
Plan Preventive Care Benefit	Annual physical, Mammogram, Pap and PSA - you pay 30% of negotiated fee, deductible waived. Healthy Check Centers - $25 copay for basic or $75 copay for premium screenings.
Plan Child Preventive Care Benefit	You pay 40% of negotiated fee, deductible waived (through age 6)
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	You pay 30% of negotiated fee (deductible waived)
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Formulary Drugs in Network - $10 copay for generic, $30 copay for brand name after $250 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	Six month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage.

Plan Name	PPO Share 2500
Details Brochure	Click to view brochure
Plan Description Benefit	This PPO plan offers competitive premiums, extensive coverage and a large network of providers.
Plan Deductible Benefit	2500
Plan Out of Network Deductible Benefit	$2,500 per member
Plan Coinsurance Benefit	You pay 30% of negotiated fee
Plan Out of Network Coinsurance Benefit	You pay 50% of negotiated fee
Plan Out of Pocket Maximum Benefit	$5,000 per member (in addition to the deductible)
Plan Out of Network Pocket Maximum Benefit	$5,000 per member (in addition to the deductible)
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the maximum for the family is satisfied.
Maternity Benefit	Subject to deductible and coinsurance
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	Annual physical, Mammogram, Pap and PSA - you pay 30% of negotiated fee, deductible waived. Healthy Check Centers - $25 copay for basic or $75 copay for premium screenings.
Plan Child Preventive Care Benefit	You pay 40% of negotiated fee, deductible waived (through age 6)
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$35 copay (deductible waived)
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Formulary Drugs in Network - $10 copay for generic, $30 copay for brand name after $500 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	Six month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage.

Plan Name	PPO Share 500
Details Brochure	No brochure available
Plan Description Benefit	This PPO plan offers competitive premiums, extensive coverage and a large network of providers.
Plan Deductible Benefit	500
Plan Out of Network Deductible Benefit	$500 per person
Plan Coinsurance Benefit	You pay 30% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$5,000 per person (includes deductible)
Plan Out of Network Pocket Maximum Benefit	$5,000 per person (includes deductible)
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the maximum for the family is satisfied.
Maternity Benefit	Subject to deductible and coinsurance
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	Annual physical, Mammogram, Pap and PSA - you pay 30%, deductible waived. Healthy Check Centers - $25 copay for basic or $75 copay for premium screenings.
Plan Child Preventive Care Benefit	You pay 40% of negotiated fee, deductible waived (through age 6)
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	You pay 30% of covered medical expenses (deductible waived)
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Formulary Drugs in Network - $10 copay for generic, $30 copay for brand name after $250 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	Six month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage.

Plan Name	PPO Share 5000
Details Brochure	No brochure available
Plan Description Benefit	This PPO plan offers competitive premiums, extensive coverage and a large network of providers.
Plan Deductible Benefit	5000
Plan Out of Network Deductible Benefit	$5000 per person
Plan Coinsurance Benefit	You pay 30% of covered medical expenses
Plan Out of Network Coinsurance Benefit	You pay 50% of covered medical expenses
Plan Out of Pocket Maximum Benefit	$7,500 per person (includes deductible)
Plan Out of Network Pocket Maximum Benefit	$7,500 per person (includes deductible)
Plan Family Out of Pocket Maximum Benefit	Once two family members each reach the individual maximum, the maximum for the family is satisfied.
Maternity Benefit	Subject to deductible and coinsurance
Plan Lifetime Maximum Benefit	$5,000,000
Plan Preventive Care Benefit	Annual physical, Mammogram, Pap and PSA - you pay 30%, deductible waived. Healthy Check Centers - $25 copay for basic or $75 copay for premium screenings.
Plan Child Preventive Care Benefit	You pay 40% of negotiated fee, deductible waived (through age 6)
Plan Lab & X-Ray Benefit	Subject to deductible and coinsurance
Plan Inpatient Hospital Benefit	Subject to deductible and coinsurance
Plan Outpatient Surgery Benefit	Subject to deductible and coinsurance
Plan Office Visits Benefit	$40 copay (deductible waived)
Plan Urgent Care Benefit	Subject to deductible and coinsurance
Plan Emergency Care Benefit	Subject to deductible and coinsurance plus an additional $100 copay (waived if admitted to the hospital)
Plan Ambulance Service Benefit	Subject to deductible and coinsurance
Plan Prescription Drug Benefit	Formulary Drugs in Network - $10 copay for generic, $30 copay for brand name after $750 brand name deductible.
Plan Supplemental Accident Benefit	Not included
Plan Pre-Existing Conditions Benefit	Six month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage.

BC Life and Health
Celtic Insurance Company
Health Net Life Insurance Company
PacifiCare Health Systems
Time Insurance Company
UniCare Life and Health Insurance Company
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Name:	Blue Cross of California
Description:	Blue Cross of California is a member of Wellpoint, one of the nation's largest health care companies. Blue Cross of California, together with its affiliates, provides health care benefits to over 6.8 million members.
Website:	http://www.bluecrossca.com/
Customer Service:	800-333-0912
Address:	2000 Corporate Center Dr Newbury Park, CA 91320
Not Offered by QuickQuote in:	All states except for CA
Year Founded:	1937
AM Best Rating:	A as of 2006
S&P Rating:	A+