Free Blue Shield, California Quotes!

Founded in 1939, California Blue Shield is a not-for-profit organization that has proposed to guarantee health coverage for all Californians. Its mission is to ensure that all Californians have access to affordable high-quality health care, including the following plan types:

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Choosing the Right Health Insurance

• Access + HMO Plans allow members to choose personal physicians and easily access other specialists. These plans are popular among members who frequently visit their doctors.
• Active Start Plan 35, an individual coverage plan with no medical deductible and low premiums. It is popular among members seeking affordable health care that covers potentially expensive medical events as well as day-to-day health care.
• Shield Spectrum PPO, a plan with 5 deductible levels that allows members to choose a preferred physician, and provides coverage for preventative care, prescription drugs, and hospitalization.
• Shield Spectrum PPO Savings Plans, available to those who qualify for use with health savings accounts (HSA). With four coverage levels, Shield Spectrum PPO Savings Plans offer affordable coverage for expensive medical events as well as essential health care. These plans are popular among members who occasionally visit their doctors.

Each plan comes with unique advantages. In general, HMO and PPO plans offers members with the following benefits:

HMO Plans

• Lower out-of-pocket costs
• No lifetime maximum coverage
• Lower copays
• Lower hospital deductibles
• Significant reduction in claim forms

PPO Plans

• Freedom to visit doctors, in and out of provider network
• Ability to visit specialists in-network without a referral
• Choice of plans with or without a medical deductibles
• Lower out-of-pocket expense for use of in-network physicians and facilities
• Ability to establish a tax-advantaged health savings account (HSA)

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