Blue Cross of California PPO Plans and Blue Cross of California HMO 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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HMO Plans from Blue Shield of California ...
Health Maintenance Organization

Access+ HMO Plan (Blue Shield HMO Plan)

These plans are often selected by people who go to the doctor more frequently. Choose your own Personal Physician and get easy access to specialists, plus a wide range of benefits.

Plan Features

Preventive, routine and catastrophic care

Access+Specialist lets you visit a participating specialist within your Personal Physician's medical group without a referral for just a $30 copayment

Preventive care services at no charge

Prescription generic drugs are only $10 per prescription at participating pharmacies

Choose a Personal Physician from an extensive network. Office visits with your Personal Physician are covered with a $10 copayment

Built-in dental benefits for no extra monthly dues through Access+Dentist

Virtually no claim forms

No lifetime maximum on plan benefits

Injectable contraceptive benefits

Get complete details (PDF, 123 KB) for this plan.

Active Start Plan 35 (No deductible PPO)

Blue Shield's individual coverage plan combines no medical deductible and low premiums into an affordable PPO health plan. Active Start is ideal for individuals looking for affordable health coverage that covers you in case of a potentially expensive medical event, while also taking care of your day-to-day healthcare needs.

If you are considering health coverage for the first time, you may be particularly interested in Active Start Plan 35*. With no medical deductible, your healthcare coverage is working for you from the start. And low copayments for generic prescription drugs and preventive care means you can seek medical attention before a small concern grows into a large problem.

Plan Features

			Affordable healthcare coverage for individuals (Active Start Plan 35 doesn't include options for two-party and family coverage and does not include coverage for maternity care.)
			No medical deductible, so your coverage starts immediately
			$35 copayments for preventive care and office visits; $8 copayments for generic prescription drugs at participating pharmacies
			Alternative care benefits for acupuncture and chiropractic services
			Access to one of California's largest PPO preferred provider networks

Get complete details (PDF, 135 KB) for the Active Start Plan 35.

*Underwritten by Blue Shield of California Life & Health Insurance Company.

Shield Spectrum PPO (Choose your deductible PPO)

We offer five deductible levels that make it easy and affordable to get the health care you need. You'll enjoy a wide range of benefits, your choice of providers and many fixed copayments before meeting your deductible.

Plan Features

Coverage for preventive care, prescription drugs, hospitalization and more

A range of deductible options

Preventive care benefits for a fixed copayment before you meet your health plan deductible

Prescription generic drug benefits at participating pharmacies before you meet your brand-name drug deductible

Pay 25% or 30% for many covered services (depending on deductible level) after meeting the deductible for preferred providers

Choice of providers every time you seek covered services. There are lower out-of-pocket costs when you choose from over 45,000 preferred providers.

Chiropractic care benefits¹ before you meet your deductible

Injectable contraceptives benefits before you meet your deductible

Get complete details for:

Shield Spectrum PPO Plan 500 (PDF, 114 KB).
Shield Spectrum PPO Plan 750 (PDF, 113 KB).
Shield Spectrum PPO Plan 1500 (PDF, 116 KB).
Shield Spectrum PPO Plan 2000 (PDF, 133 KB).
Shield Spectrum PPO Plan 5000² (PDF, 114 KB).

¹Shield Spectrum PPO Plan 5000 does not offer coverage for chiropractic care benefits.
² Underwritten by Blue Shield of California Life & Health Insurance Company.

Shield Spectrum PPO Savings Plans (HSA Plans)

We offer four high-deductible health plans -- called Shield Spectrum PPO Savings Plans -- that are eligible for use with a Health Savings Account (HSA). These plans offer affordable coverage for a high-cost medical event while helping you meet your essential healthcare needs. They are often selected by people who go to the doctor occasionally.

Plan Features

High-deductible health plans designed to be compatible with HSAs for tax-savings opportunities on qualified medical expenses

Financial protection against major healthcare expenses

Catastrophic coverage

Choice of providers every time you seek covered services. There are lower out-of-pocket costs when you choose from over 45,000 preferred providers.

Get prescription drugs at our contracted rate at participating pharmacies

Access to a mail-service pharmacy benefit

Preventive care benefits before you meet your deductible when you use preferred providers

Maternity benefits and well-baby care with no waiting period¹

Injectable contraceptives coverage before you meet your deductible

Get more details here:

Shield Spectrum PPO Savings Plan 2400/4800 (PDF, 102 KB).
Shield Spectrum PPO Savings Plan 4000/8000² (PDF, 102 KB).

¹Maternity coverage not provided with PPO Savings Plan 4000/8000
²Underwritten by Blue Shield of California Life & Health Insurance Company, and subject to regulatory approval.