Health Plans 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, Blue Cross of California 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

Anthem Blue Cross of California currently offers several health plans to choose from.  Five PPO Plans calledPPO Share, three HMO plans, the Basic PPOs, PPO Saver Plan, RightPlan PPO 40, 3500 Deductible Plan, Smart Sense, and their EPO High Deductible plan that is HSA (Health Savings Account) compatible. New to their line up are the 9 Lumenos Plans from BC Life & Health.

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 mone

• PPO Share 3500
• PPO Share 7500
• PPO Saver Plan
• Dental Plans
• The RightPlan PPO 40

• Basic PPO 1000
• ClearProtection PPO
• CoreGuard PPO
• HMO Saver
• Premier PPO Plan

• 3500 Deductible (HSA)
• 3500 Deductible PPO
• Tonik Health Plans
• Lumenos Plans
• Medicare Supplements

How to Enroll

Enrolling is easy. Submit your application online by clicking the "APPLY NOW" link below. If you have questions and would like an agent to contact you prior to applying then click on the Agent Assist link to the right or call us 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)
• Have questions? Then give us a call or complete the SALES ASSISTANCE form to the right. We will call you.
• Applying is easy - simply complete the application process online from the comfort of your home or office. Ready to Apply? Click Here...

Basic PPO 1000/2500 - The Basic PPO Plans offer solid protection at affordable prices and let you choose either a $1,000 or $2,500 annual medical deductible. These plans offer basic coverage for hospitalization and emergency services. Once you meet your annual out-of-pocket maximums, doctors' office visits are also covered. These plans do not include maternity coverage or prescription drug benefits.

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. Blue Cross offers a variety of PPO Share Plans so that you can more precisely choose the best pricing options for you.

PPO Saver Plans - The PPO Saver Plans is a mid-range cost option providing valuable benefits for hospitalization, emergency services and prescription drugs. And you receive more benefits after you meet annual deductible/annual out-of-pocket maximum requirements. The no-frills features help keep you monthly premiums low, and you'll carry peace of mind with you wherever you go.

ClearProtection PPO - Anthem Blue Cross offers dependable individual health care plans that save you time and make sense for the way you live. ClearProtection makes sense if you are looking for a lower-cost plan with immediate coverage for some doctors visits and long-term coverage for other benefits you may need, ClearProtection offers three deductibles and moderate cost-sharing helps lower your monthly premiums. ClearProtection offers up to $4 million per member in lifetime benefits.

CoreGuard PPO - Whether you're self-employed, need coverage for your family, just left group coverage, or your job doesn't provide it, Anthem Blue Cross offers a simple plan design with some of Anthem's lowest rates, CoreGuard could be the plan that's right for you. CoreGuard offeres a wide range of deductibles (from $750 - $10,000) and higher cost-sharing helps lower your monthly premiums. CoreGuard offers up to $4 million per member in lifetime benefits.

The Anthem Premier 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.

The RightPlan PPO 40 and the 3500 Deductible PPO plans are tailor-made for young adults, empty nesters or early retirees. They offer low-cost, comprehensive coverage without the added-on benefits that many people know they will never use - such as maternity. With the 3500 Deductible PPO, just meet your annual deductible and you'll then pay $0 for most in-network covered services.

With the RightPlan, you have the option to choose what level of prescription drug coverage is best for you. These plans were designed specially to meet the needs of those individuals who are looking for a lower cost plan with no deductible and a choice of prescription options.  If you are a young, active healthy adult, an over age dependent, self-employed single, empty nester or early retiree, then the RightPlan PPO 40 might be a plan worth considering.

HMO Plans - Blue Cross of California 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.

Lumenos Plans offer three plan series to choose from. The Lumenos HSA Compatible Plans provide you the ability to save tax-free dollars in an account. Lumenos HIA Plan provides you the ability to use funds allocated to an account set up for your to help pay for your medical care and presecriptions. The Lumenos HIA Plus Plans allow you to use funds allocated to an account set up for you to pay for your medical care and prescriptions, plus you can earn additional dollars in your account with Health Rewards incentives. All unused HIA funds roll over to the next year - there is no limit on the amount you carry over.

Lumenos Consumer Drive Plans - Anthem Blue Cross Life & Health (Blue Cross) an affiliate of Blue Cross of California has developed a family of health plans whose goal is to give people information, services and incentives to maintain and improve their health. These consumer-driven plans - which Blue Cross calls Lumenos® plans - offer the kinds of things that help you reach your health potential, plus a whole lot more.

Tonik Health Plans - Are you between the age of 19 and 29 and looking for something really different?  Then consider a straight-up affordable health insurance plans designed just for you. The new plans from Tonik Health, offered by Blue Cross Life & Health may be just what you need. Tonik offers three simple plans to choose from with rates as low as $64 - $123 per month, depending on the plan you pick and where you live. Tonik is now available in Colorado and Nevada. Easy to apply for and Tonik now offers automated underwriting with over 60% of all applications submitted receiving a decision within 60 seconds.

SmartSense PPO - Anthem Blue Cross Life & Health Insurance Company brings solid protection that covers the essentials of full medical at one of their lowest rates. Member can choose deductibles from $500 to $5,000 and premium levels that work for them, making the Smart Sense PPO plan even more budget friendly. Click Here to find our more or get an instant quote now.