Blue Cross of California
Individual and Family Plans

 

Look no further!  Here is a brief overview of all of Blue Cross of California individual and family health plans, plus links to apply for Blue Cross health insurance plans online.

 


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PPO Plans from Blue Cross of California ...
Preferred Provider Organization

 

New!
Blue Cross
Tonik
Designed for young Individuals in their 20's and 30's
... but available to all ages

The Blue Cross Tonik Plan  is a PPO plan (3 plans to choose from) is designed for young people who want a simplified plan that is affordable too.

If you ride a skateboard or snow board, or are just young or are young at heart, this plan is for you.  Not only does the plan offer a low copay for doctor visits, and includes dental, but it also allows you emergency room visits for a flat $100 copay.

Doctor visits are available for a small copay, depending on the plan selected (deductible is waived).

Also, once you meet your deductible, it gives you 100% coverage for the remaining calendar year.

There is a separate site to run Tonik quotes, where you can also apply online. Click below to see if Tonik is for you.

Get a Tonik quote now
Blue Cross Tonik health insurance quote

 


Blue Cross RightPlan 40 PPO

Blue Cross of California RightPlan 40 is an individual plan that does not have a deductible. That means Blue Cross immediately starts paying for inpatient, outpatient and professional services at 60%, you pay 40%. Doctor visits are covered for a flat $40 copay.  This plan has three choices for prescription drug coverage, namely - no drugs, generic only, and comprehensive prescription drug coverage. Monthly premium varies depending selected drug coverage.

Get an instant quote and / or apply online now

 

 


Blue Cross 3500 Deductible PPO

Blue Cross of California 3500 Deductible PPO is an individual and family plan that is very considered somewhat of a catastrophic plan.  The plan has very affordable premiums and is very easy to understand.  You pay out of pocket for all services at the Blue Cross PPO negotiated rates.  But, once you have  paid $3500, you get 100% coverage for the rest of the calendar year.

Get an instant quote and / or apply online now

 


Comprehensive PPO Plans
(The classic Blue Cross of California PPO Plans)

Blue Crosses comprehensive plans are called the PlanScape PPO Share plans. All of the PPO Share plans cover the same comprehensive package of health care services. The difference is in the deductibles, office visit copays, coinsurance amounts and annual out of pocket maximums.

The PPO Share 500, 1000, 1500, 2500 and 5000 plans are named after their deductibles.No deductible is required for office visits, which are unlimited with a 30% co-payment. The maximum annual out-of-pocket limit to you varies by plan (see each plan below). Both generic and brand name prescription drugs are covered with a $10 and $35 deductible respectively.

- Pay $25 or $75 copay for basic HealthyCheck screenings.
- Routine mammogram, PSA and Pap tests are 20% of the negotiated fee (deductible waived).
- Well-Child (up to age 6) at 50% of negotiated fee (deductible waived).

 

- Blue Cross PPO Share 500 Plan
Annual deductible:  $500
Annual Out of Pocket Maximum:  $5000

Get an instant quote and / or apply online now

 

- Blue Cross PPO Share 1000 Plan
Annual deductible:  $1000
Annual Out of Pocket Maximum:  $5000

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- Blue Cross PPO Share 1500 Plan
Annual deductible:  $1,500
Annual Out of Pocket Maximum:  $7,500

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- Blue Cross PPO Share 2500 Plan
Annual deductible:  $2,500
Annual Out of Pocket Maximum:  $7,500

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- Blue Cross PPO Share 5000 Plan
Annual deductible:  $5000
Annual Out of Pocket Maximum:  $7,500

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Basic PPO 1000 and Basic PPO 2500

The  Blue Cross Basic PPO 1000 and the Blue Cross Basic PPO 2500 plans are catastrophic plans that are designed to guard against major hospital and doctor bills, yet require you to pay for routine office visits and professional services out of pocket, but at a discounted rate.  The hospital deductible is either $1000 or $2500, after which they pick up 80% until you reach the out of pocket maximum of $3500, at which time they pay 100% for the rest of calendar year.

- The Basic PPO 1000 Plan
Annual deductible:  $1000
Annual Out of Pocket Maximum:  $3,500

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- The Basic PPO 2500 Plan
Annual deductible:  $2,500
Annual Out of Pocket Maximum:  $5,000

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PPO Saver Plans

The Blue Cross Saver PPO is an affordable PPO plan that does offer two doctor office visits per year for a copay, or 4 office visits per year for dependent children.

Annual deductible: 
       - $500 - inpatient or surgical procedures only
       - $5,000 for other covered services
Annual Out of Pocket Maximum:  $5,000

Get an instant quote and / or apply online now

 


HMO Plans from Blue Cross of California ...
Health Maintenance Organizations

 

Blue Cross Individual HMO

The Individual HMO has no annual deductible, unlimited lifetime benefits and $10 office visit copays. If you are looking for comprehensive health care coverage, a Blue Cross of California HMO (health maintenance organization) may be the right choice for you. In a Blue Cross HMO, you select a doctor to serve as your Primary Care Physician. Your Primary Care Physician coordinates all of your health care, which means that he or she treats you directly, and when necessary, manages your referral to specialists.

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Blue Cross Saver HMO

The Saver HMO is similar to the Individual HMO above, however it has a $1,500 annual deductible that applies to hospital and surgical services. This deductible is waived for emergency admittance. The HMO Saver Plan also has unlimited lifetime benefits and $10 Office Visits.

As the name indicates, the monthly premium for this HMO is less than the Individual HMO.

Get an instant quote and / or apply online now

 


Blue Cross of California Added Benefits


When you enroll in any Blue Cross medical plan, you automatically have access to the programs and discounted services of HealthyExtensions. This program includes:

MedCall: provides you with professional, reliable health care information by phone, toll free, any time of the day or night from a registered nurse. You will also have access to educational tapes on more than 200 health topics.

Baby Connection gives you access to nurses who work with you and your doctor to create a pregnancy program around your specific needs. Nurses can help you identify potential risk factors and can provide information and educational material on how to have a safe, healthy pregnancy and early motherhood.

Health Management Programs: Blue Cross provides programs and activities for managing chronic conditions, including asthma, diabetes and congestive heart failure.

Discount Programs, Products and Services: Take advantage of 10% to 50% discounts offered by a variety of alternative health care and wellness products and services, including vitamins, nutrition and fitness programs, health clubs, hearing aids, eyeglasses and contacts, skin care products, educational materials and online health resources.

Out-of-State Benefits
Blue Cross of California's BlueCard gives you access to participating doctors and medical facilities throughout the U.S. at Blue Cross negotiated rates. This program will help you locate these participating providers from a roster including more than 70% of the doctors and 80% of the hospitals in the U.S.

Waiting Periods
The Blue Cross HMO plans have no waiting periods for pre-existing conditions.

Enrollment Process
Enrollment requires the completion of a somewhat lengthy and detailed health questionnaire. You may apply online, download an application, or request a detailed plan brochure and application. A refundable deposit in the amount of the first month's premium must be included along with the completed application.

Need Help? Call us toll-free at 1-949-394-7676

Contact: 

William Lorenz
CA Lic. #0D61899
Ph:   (949) 394-7676
Fax:  (949) 203-8786
info@CaliforniaSelfEmployed.com

 

Be sure to visit our other web site too:  www.cal-health-plans.com

California self employed provides health insurance and business benefits for the self employed, serving California health insurance for individuals. Business benefits for the self employed and self employment benefits. Providing California individual health insurance. Term Life insurance is available as well.