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Oleg
Skurskiy Authorized Agent for Anthem Blue Cross |
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Enrollment Assistance, please call (818) 654-4548
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| Anthem
Blue Cross in California PPO Plans |
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If
you have any questions, please call
(818) 654-4548 |
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Get
a Quote |
Apply
Now |
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Anthem
Blue Cross Lumenos®
- Consumer Driven Health Plans
Lumenos HSA plan offers you a Health
Savings Account compatible plan to
work alongside an HSA that can be
funded by your own pre-tax contributions.
It also includes a Traditional Health
Coverage component-similar to a typical
health plan-which helps protect you
against further health expenses.
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a Quote |
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Now |
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NEW
Anthem
Blue Cross SmartSense
PPO - Low Monthly Rates
SmartSense
is Reliable, basic protection with
some of our lowest monthly rates.
Choose the annual deductible/monthly
rate combination that works for you.
Immediate benefits for the first three
visits to a doctor. Your choice of
prescription drug benefits, Comprehensive
RX or Generic RX.
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a Quote |
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now |
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New
Anthem
Blue Cross PPO CoreGuard
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Low Monthly Rates
Anthem Blue Cross CoreGuard
is a $4 million dollar lifetime maximum
plan that offers comprehensive benefits
and an affordable premium. Deductibles
range from $750 to $10,000 per Individual,
to give you options, flexibility and
control of your premiums. It does
include both generic and brand name
RX.”
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a Quote |
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now |
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ClearProtection
is a lower-cost plan with immediate
coverage for some doctors visits and
long-term coverage for other benefits.
ClearProtection offers three deductibles
($1,000, $3300 and $5000) and moderate
cost-sharing helps lower your monthly
premiums.
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a Quote |
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now |
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Anthem
Blue Cross Premier Plus
plan offers unlimited doctor office
visits with predictable copays, before
the deductible. You have an option of
6 different deductibles, that range
from $1,000 to $6,000 ($1,000, $1500,
$2500, $3500, $5000 and $6000). You
will get a broad range of preventive
benefits help focus on keeping you healthy.
You get an annual routine eye exam.. |
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a Quote |
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now |
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Anthem
Blue Cross of California PPO Share
5000 - Cover
Maternity
Anthem Blue Cross PPO Share
5000 plan offers comprehensive
health care services with significant
in-network savings and the freedom
to choose doctors and specialists
out of network, with shared risk for
lower premiums. You pay no deductible
for office visits, covered preventive
care or generic drugs.
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Get
a Quote |
Apply
now |
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Get
a Quote |
Apply
now |
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Get
a Quote |
Apply
now |
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| Choosing
The Right Health Plan For You |
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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. |
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Your
Plan Type and Access to Health Care |
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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. |
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Preferred
Provider Organization (PPO) Plans |
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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. |
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- Price
? What are the monthly premiums
for each plan? What can you afford?
- Features
? What health care services does
each program cover?
- Cost-sharing
? What would be your share of
the cost for these services?
- Access
? Is it important to
you to see any doctor you want
or are you willing to trade that
flexibility for some other benefit?
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Common
Terms & Definitions |
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- Deductible
= the amount you pay each year
for covered services before your
plan begins paying part of the
cost.
- Out-of-Pocket
Maximum = The
maximum amount for qualifying
covered services you would have
to spend in any one year, including
your deductible, before your plan
pays 100% of your covered costs
for most services.
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Our
Plan Types |
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For complete rate
information, go to Easy
Guide to the Rates.
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Blue
Cross PPO AND HMO PLAN SELECTIONS |
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RightPlan PPO 40 Plans
The Blue Cross RightPlan PPO 40
Plans provide first-dollar coverage
(no deductible) for doctor visits,
preventive care, hospital stays
and other covered medical services.
The plans offer a choice of prescription
drug coverage: generic only, generic
and brand name or no drug coverage.
The Blue Cross 3500 Deductible
PPO Plan provides 100% coverage
for most services after the deductible
is met, along with affordable
monthly premiums.
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PPO 3500 (HSA-Compatible)
Plan
Like the Blue Cross 3500 Deductible
PPO Plan, the Blue Cross PPO 3500
(HSA-Compatible) Plan provides
100% coverage for most services
after the deductible is met, along
with affordable monthly premiums.
In addition, it is a qualified
high-deductible health plan, which
is required when establishing
a Health Savings Account (HSA).
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.
The Blue Cross Individual HMO
Plan provides extensive coverage
with low out-of-pocket costs for
covered health care services you
received only from HMO Network
doctors and hospitals.
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The Blue Cross Select HMO Plan
provides extensive coverage with
lower premiums and low out-of-pocket
costs for covered health care
services you receive from doctors
and hospitals in the Select HMO
Network. The Select HMO Network
is available in 22 California
counties.
The Blue Cross HMO Saver Plan
provides the same coverage as
the Individual HMO Plan, but has
a deductible amount for services
you receive from hospitals and
other health facilities to keep
the premiums lower.
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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
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Customize
Coverage With FamilyElectSM |
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If your family members
have varying coverage needs, you
can select a different plan (PPO
or HMO) for each family member through
the Blue Cross FamilyElect Program.
This may help you to design a program
that works best for your family
overall. For example:
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| Jim,
age 46, and Jean, age 43,
each select a RightPlan PPO
40 Plan because they like
its simple, no-deductible
design and don?t want or need
to pay for maternity benefits.
Jim selects comprehensive
drug coverage, because he
takes a brand-name drug. Jean
selects generic drug coverage. |
RightPlan PPO 40 w/ Comprehensive
Rx
RightPlan PPO 40 w/ Generic
Rx |
$197
$133 |
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their 15-year-old son, Jason,
they choose the Select HMO
Plan for its immediate benefits
(no deductible), unlimited
office visits and network
of doctors and other providers
in their area. |
Select
HMO |
$115 |
| They
need single coverage for daughter,
Jane, a 20-year-old college
student. They choose the PPO
Share 2500 Plan for its immediate
preventive care and office
visits benefits and reasonable
premiums. |
PPO
Share 2500 |
$
80 |
| Total
monthly premium for entire
family |
$525 |
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| Please Note: The $500 and $1000 deductible
plans offered by BlueCross of California
and Health, have identical coverage and
rates. |
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Please Note: When locating a provider,
PPO plans are also referred to as Prudent
Buyer
1 Non-participating charges in excess of
the negotiated fee will not be paid.
2 $500 admission charge for admit to Participating
(tier II) Hospital Same benefits for BlueCard
providers
3 Additional $100 copay for PPO Plans applies
for each emergency room visit (waived if
admitted as inpatient).
4 Once OOP max is met, $400 copayment will
not be required to remainder of that Year
5 $400 CoPay as explained in Hospital In-Network
inpatient/outpatient benefits
6 Members on RightPlan PPO 40 with No Prescription
Drug Coverage and RightPlan PPO 40 with
Generic Only Prescription Drug Coverage
can access Blue Cross Pharmacy discounts
when filling a prescription for a non-covered
drug. Members must present the Blue Cross
member ID card when they have their prescription
filled.
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| Blue Cross of California and BC Life
& Health Insurance Company are independent
licensees of the Blue Cross Association
and are licensed to conduct business in
the State of California |
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® Anthem is a registered trademark.
® The Blue Cross name and symbol are
registered marks of the Blue Cross Association
© 2007 Anthem Blue Cross.
Serving California. Anthem Blue Cross
is the trade name of Blue Cross of California.
Anthem Blue Cross and Anthem Blue Cross
Life and Health Insurance Company are
independent licensees of the Blue Cross
Association. |
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Copyright © 2005 Oleg Skurskiy Authorized
Independent Agent, CA License 0E50389 |
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