Blue Shield Health Insurance

Blue Shield provides you with access to quality healthcare at affordable prices. With the cost of healthcare always increasing, you can't afford not to have insurance. A serious car accident could cost $140,185 in doctor, hospital, and medical equipment bills. But with a health insurance plan, the bills would only total $8,178. Blue Shield helps you stay healthy and saves you money. How? Blue Shield of California has put together a network of healthcare providers throughout California. These providers are all highly qualified professionals who've agreed to partner with Blue Shield. Members of these HMO health insurance plans can choose from over 25,000 doctors and 280 hospitals in California. Members of the PPO health insurance plans can take advantage of a network of more than 45,000 doctors and 350 hospitals.

By negotiating with the doctors and hospitals, Blue Shield is able to keep costs for its members low. The plans feature; copayments as low as $20 when you visit your doctor, copayments as low as $35 when you visit a medical specialist, Flexible deductibles and some plans have no deductible, and some plans are compatible with Health Savings Accounts.These plans keep you healthy by stressing preventive care. With visits to the doctor made affordable, you'll be able to get care early and often. This prevents illnesses and injuries from becoming serious (and expensive) problems.

What exactly is preventive care? It includes basic healthcare services like routine physicals, immunizations, OB/GYN exams, and baby care. And in many Blue Shield plans, these services are covered before you have to meet the deductible. Blue Shield understands everyone has different healthcare needs. That's why they've put together a variety of plans so everyone can get healthcare that meets their medical and financial requirements.

Blue Shield has many different plans. Some of the most popular include:

Active Start
An affordable plan for individuals, the Blue Cross Blue Shield Active Start plan has no deductible and copayments as low as $25. With this plan, you can get generic drugs for only $10 a prescription. To save you money, this plan does not cover maternity care ý making it ideal for individuals who aren't planning on starting a family soon.

Essential Plan
The Blue Shield Essential Plan is a convenient, all-in-one healthcare plan. You get medical, dental, vision, and prescription drug coverage in one easy package. Low premiums and 100% coverage after the deductible is met make this plan a smart and affordable investment. This plan also doesn't include maternity coverage.

Shield Spectrum
The Shield Spectrum PPO plans offer flexible coverage for individuals and families. Most Shield Spectrum plans feature extensive medical coverage, including maternity benefits, making it a good choice for people thinking of starting a family. Shield Spectrum Savings plans are compatible with Health Savings Accounts, offering tax advantages and making care more affordable.

Access+ HMO
A good choice for families and people who visit their doctor often, Blue Shield HMO Access+ plans offer predictable out-of-pocket expenses and low copayments. Many of the healthcare services offered under the Access+ HMO program are covered before you have to meet the deductible.

With all the plans available, it can be hard to decide which one is the best plan for you. Fortunately, Blue Shield can help you make sense of your medical needs and find you a plan that will keep you covered without putting a huge dent in your wallet.

Jesse Seagle- leading consultant for employer group and individual/family health insurance. Marketing consultant for major health insurance resource websites and brokerage firms online. Some of the websites consultant and/or administrator Blue Shield health insurance and Health Net health insurance.

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