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Blue Cross Blue Shield Of California

Blue Cross of California and BC Life & Health Insurance Company are Independent licensees of the Blue Cross Association. BCBS of CA has been providing health care coverage to individuals, families, and the self employed of California since 1937. Blue Cross is a trusted name in affordable and comprehensive health care options for CA residents.

BC of CA offers access to both a Preferred Provider Organization (PPO) network as well as a Health Maintenance Organization (HMO). PPO plans offer the most flexibility as they allow for covered expenses both in network (participating or “par” providers) and covered expenses for out of network (non participating or “non par”). Covered expenses will be much lower on a PPO plan if you choose a participating provider as BC negotiates lower rates with in network physicians, hospitals, and facilities for its members while covered expenses for procedures done at non participating providers will be covered only to the extent that the expense is “usual and customary” (often the in-network and out of network deductibles, coinsurance, and out of pocket maximum levels are different as well). With an HMO you must seek a referral from your primary doctor in order to see a specialist (with a PPO no referral is needed as you go directly to the doctor of your choosing) and there are no out of network covered expenses.

BCBS of California has a very wide swath of products available for individuals. The PPO plans include the BC Life & Health CORE 5000, the BC Life & Health PPO Share 5000, the Blue Cross of California PPO Share 2500, the Blue Cross of California PPO Share 1500, Blue Cross of California PPO Share 1000 (BC Life & Health PPO Share 1000), the Blue Cross of California PPO Share 500 (BC Life & Health PPO Share 500), BC Life & Health RightPlan PPO 40 (available with no prescription coverage, generic only prescription coverage, and with comprehensive drug coverage), the BC Life & Health 3500 Deductible PPO, BC Life & Health 3500 Deductible HSA-Compatible Plan, the BC Life & Health PPO Saver, BC Life & Health Basic PPO 2500, BC Life & Health Basic PPO 1000, and the Blue Cross EPO Plan (HSA compatible).

The BCBS of CA HMO plans include the Blue Cross of California HMO Saver, the Blue Cross Individual Select HMO, and the Blue Cross of California Individual HMO. Blue Cross of CA also offers short term major medical plans, Medicare plans, and Post – MRMIP Plans (for those that need continuation coverage after exhausting their coverage with the state of California’s Major Risk Medical Insurance Program (MRMIP).

Blue Cross and Blue Shield of California may be the right choice for your health insurance needs. Be sure and compare health insurance plans from BCBS of CA and other top California health insurance companies in your area like United Healthcare, Humana One, Aetna, PacifiCare, UniCare, Assurant Health, Cigna, Celtic and others. Compare top companies side by side for now by requesting free California health insurance quotes!

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