| Anthem Blue Cross of California for Individuals & Families
 For more than 65 years Anthem Blue Cross, formally Blue Cross of California, has provided Californians with quality health plans for their families. From Product innovation to pricing affordability, from customer service to financial fitness and corporate character, Anthem Blue Cross and BC Life & Health Insurance Company distinguishes themselves from their competition.
Anthem Blue Cross has been an industry leader in California for almost seven decades and has the experience Californian's look for in a health care partner. Today the tradition continues. Anthem Blue Cross offers a broad range of health plans, varying costs, level of health coverage, and accessibility to health care. Keys points are:
Quality plans - Their plans feature popular benefits in a wide range of price options to help you find the right fit. And, their medical plans come with programs to help you maintain a healthy way of life.
Cost savings - Anthem Blue Cross can save you money by negotiating the best prices for services from one of the largest networks of doctors and hospitals in the state, with savings of up to 30-40 percent of providers' regular fees. The discounts represent real money in your pocket. In some cases the discounts are substantial. Utilize the provider network whenever possible and realize the biggest saivngs. |
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No Obligation Review Period...
After you enroll in a plan offered by Anthem Blue Cross or Anthem Blue Cross Life and Health Insurance Company, you will receive a Policy/EOC booklet that explains the exact terms and conditions of coverage, including the plan's exclusions and limitations. You will have 10 days to examine your plan's features. During that time, if you are not fully satisfied, you may decline by returning your Policy/EOC booket along with a letter notifying anthem Blue Cross that you wish to discontinue coverage.
Provider Network
Anthem Blue Cross provider network is among the largest in the state, consisting of more than 42,000 Preferred Provider (PPO) Physicians, 27,000 Health Maintenance (HMO) physicians and 440 hospitals. Anthem Blue Cross has negotiated discounts for you when you use a doctor or facility from their vast network. By using a participating Blue Cross doctor, your costs will be substantially lower and you will save money.
Utilizing the Anthem Blue Cross Provider Network is one of the most important benefits you have access to as a plan member. When you access a provider for elective care that is part of the network you are charged for services that have been heavily discounted on your behalf. These discounts represent real savings to you and your family. Although they are intangible to many Anthem makes clear to you what your financial responsibility is via their Explanation of Beneftis statement you received for each claim.
BlueCard When Traveling
The BlueCard program provides coverage for PPO plan members who suddenly become sick or have a medical emergency outside California. The BlueCard gives you access to doctors and hospitals in participating local Blue plan networks throughout the nation at negotiated rates. Your PPO member ID Card will have the toll-free BlueCard number printed on the back so that you always have the number with you when travel.
When you choose any Anthem Blue Cross, you can rely on quality benefits, friendly service, and peace of mind  that comes with a long-time leader in the health care industry. To view outlines of the Anthem Blue Cross plans simply click on one of the links below. |
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Anthem Blue Cross
California Health Plan Options |
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  ClearProtection Plus - ClearProtection Plus is one of Anthem's lower-priced plans with an innovative plan design that helps limit your share of the costs for major medical expenses, such as surgery and hospitalizations. In addition you'll have immediate benefits for your first two doctors office visits. There are two deductibles that work together to help you meet your out-of-pocket maximum. Once your out-of-pocket maximum is met, the plan pays 100% of the costs fo most network covered services. Click here for more information. |
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 CoreGuard Plus Plans - If you're looking for a simple plan design with some of Anthem's lowest rates, CoreGuard Plus, from Anthem Blue Cross Life and Health Insurance Company, could be the plan that's right for you. CoreGuard Plus offers a wide range of deductibles )from $750 - $10,000) and higher cost-sharing helps lower your monthly premiums. The CoreGuard Plus plan can be ideal for individuals who want affordable protection against significant medical expenses. Click here for more information. |
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 PPO Share Plans - The PPO Share Plans are structured to provide a more comprehensive list of benefits while providing the most flexibility in your choice of doctors and hospitals. The difference is in the deductibles, coinsurance amounts and annual out-of-pocket maximums. Anthem Blue Cross offers a variety of PPO Share Plans so that you can more precisely choose the best pricing options for you. Maternity is included in all of the PPO Share Plan Options. Click here for more information. |
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| HMO Plans - Anthem Blue Cross offers three HMO Plans to choose from. The Select HMO, HMO Saver and Individual HMO Plans. If your doctor dosen't participate in the Select HMO Network then consider the HMO Saver or Individual HMO plans. Both the HMO Saver and the Individual HMO offer rich benefits. Choose the HMO Saver if you want lower monthly premiums and don't mind meeting a $1,500 deductible. Choose the Individual HMO if you want immediate, no-deductible benefits. Click here for more information. |
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 Lumenos HSA Plans - Lumenos HSA health plans were designed to give you more control over your health care costs. They help you focus on getting health and staying healthy. The Lumenos HSA plan offers traditional health care benefits that can be paired with a Health Savings Account (HSA) for more flexibility and potential tax advantages. Simple plan designs make using them that much easier. Click here for more information. |
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 Premier Plus PPO Plans bring to market a new plan design that first the way you live. Whether you are self employed, need coverage for your family, just left group coverage, on your job doesn't provide it, Anthem Blue Cross offers dependable individual health care plans that save you time ad make sense for the way you live. The Premier PPO Plan is a great choice for families or for individuals looking for robust benefits for both routine and unexpected medical care. Click here for more information. |
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 SmartSense Plus Plan - SmartSense Plus, from Anthem Blue Cross Life and Health Insurance Company, was designed to offer affordable, solid protection without a lot of bells and whistles that may not be important to you. SmartSense Plus offers affordable price options, solid protection that covers essential and even some immediate benefits before the deductible. With SmartSense the first three Doctors' Office Visits have a $30 copay, per plan member, each calander year before having to meet your deductible. Click here for more information. |
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 Dental Blue Dental Plans - Anthem Blue Cross offers two Dental Blue plans to choose from. Dental Blue Basic and Dental Blue Enhanced. Both of these dental plans are available to add to new and existing coverage or your can apply for them by themselves. As a stand alone dental plan, Dental Blue offers some of the most comprehensive benefits found in individual dental plans. A unique feature of Dental Blue is that members have access to the rates Anthem has negotiated with providers during any applicable waiting periods and after the annual maximum is met. These discounts are only available at in-network providers. Click here for more information. |
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 GEOBlue International Travel Medical & International Health Insurance - Go with a name and brand you can trust. GeoBlue is the trade name for the international health insurance programs of Worldwide Insurance Services, an independent licensee of the Blue Cross Blue Shield Association. GeoBlue International health plans are offered in cooperation with certain local Blue Cross and Blue Shield companies, with a network that includes more than 90 percent of physicians and 80 percent of hospitals across the U.S. GeoBlue’s comprehensive portfolio of international health insurance plans demonstrates the commitment to covering members both at home and abroad.
Global travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice—no matter what country, town or time zone. GeoBlue’s highly qualified doctors speak your language, treat you like a friend, and bill GeoBlue directly for their services. With instant access in the palm of your hand and twenty-four/seven concierge support, you’ll travel anywhere with the peace of mind that if your health is a concern, getting good care is not. Click here for more information. |
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Health Insurance Premiums Too High?
 If the high cost of maintaining a major medical plan has become unsustainable for your family there are alternatives. The final stages of the implementation of the Affordable Health Care Act are about to become reality by years end. The cost of the new plans are projected by some to be much higher than current premiums available. As much as 100% or more! For some this alone makes the choice for families to let their insurance go simply because they can no longer afford it. One alternative plan is Health Access from Assurant Health. Although plans like Health Access are not Affordable Health Care Act compliant they do offer a substantial amount of coverage at a much lower premium that for some may be the only acceptable alternative. Even with future tax penities levied by the IRS, Health Access is clearly a better alternative to going with any coverage at all.
CLICK HERE FOR MORE INFORMATION ABOUT HEALTH ACCESS |
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Anthem California
