Anthem Blue Cross and BC Life & Health Insurance Company offer several health insurance plans to choose from for individuals and families. BC Life & Health Insurance Company offers basic, valuable benefits for hospitalization and emergency services. And you receive more benefits after you meet annual deductible/annual out-of-pocket maximum requirements. The no-frills features help keep your monthly premiums low, and you'll carry peace of mind with you wherever you go.
The Basic PPO Plans offer solid protection at affordable prices and lets you choose either a $1,000 or $2,500 annual medical deductible. These plans offer basic coverage for hospitalization and emergency services. Once you need your annual out-of-pocket maximums, doctor's office visits are also covered. These plans do not include maternity coverage or prescription drug benefits.
How to Enroll
Enrolling is easy. Submit your application online by clicking "APPLY NOW". If you still have questions and would like an agent to contact you prior to applying then complete the Agent Assist link to the right or simply give us a call at 619.435.6700
To enroll, you must be:
Age 64 3/4 or younger
A permanent legal resident of California
A U.S. resident for at least the lst 3 months
The applicant's spouse or domestic partner, age 64 3/4 or younger
The applicant's children (under 19 years of age), or the children (under 19 years of age) of the applicant's enrolling spouse or qualified partner or qualified domestic partner;
The applicant's unmarried dependent children between the ages of 19 through 22 ("dependent" as defined by the Internal Revenue Service)
Sales Assistance
Anthem Blue Cross Basic PPO 1000/2500 Benefit Matrix
$1,000/$2,500 Per member, inpatient or surgical procedures only
(Once 2 members each reach the deductible,
the deductible
is satisfied for the entire family.)
Lifetime Maximum
$5,000,000
Annual Out-of-Pocket Maximum
(includes deductible) (Combined for In-Network & Out-of-Network)
$3,500/$5,000 per member, only hospital costs apply
(Once 2 members each reach the maximum, the maximum is satisfied for the entire family)
Doctors' Office Visits
No office visit benefit until out-of-pocket maximum is met, then plan pays 100% of negotiated fee
No office visit benefit until out-of-pocket maximum is met, then plan pays 50% of negotiated fee plus all excess charges
Professional Services (X-ray, lab, anesthesia, surgeon, etc.)
20% of negotiated fee for inpatient or surgical procedures only. No office visit benefits until out-of-pocket maximum is met, then plan pays 100% of negotiated fee
50% of negotiated fee plus excess charges for covered inpatient or surgical procedures only
Hospital Inpatient (Overnight Hospital Stays)
20% of negotiated fee2
All Charges except $650 per day
Hospital Inpatient (If You Don't Stay Overnight)
20% of negotiated fee2
All Charges except $380 per day
Emergency Room Services
20% of negotiated fee
20% of customary and reasonable fees plus all excess charges
Maternity
Not Covered
Not Covered
Preventive Care
HealthyCheckSM Centers5: $25/$75 copay for basic/premium screening (deductible waived) Routine mammogram, Pap and PSA tests4: 20% of negotiated fee (deductible waived)
Routine mammogram, Pap and PSA tests4: 50% of negotiated fee plus all excess charges (deductible waived)
Ambulance
20% of negotiated fee
50% of negotiated fee plus all charges in excess of negotiated fee and in excess of the plan's $75 maximum payment per ground trip
