Dependable coverage against high-cost services through Option One
Unexpected illness and injury impacts your pocketbook as well as your health. Option One can limit your costs in case these happen. Under the plan, Blue Shield Life pays for charges or expenses for covered services when medically necessary due to accident, injury or illness, including:
- Inpatient and outpatient services provided by a licensed physician
- Semi-private hospital room, intensive care unit, and most hospital charges
- Prescription drugs
- X-rays and laboratory exams for diagnostic purposes
- Durable medical equipment
- The following are subject to a benefit maximum as defined in the policy:
- Ambulance charges
- Outpatient physical medicine
- Mental illness, other than severe mental illness and serious emotional disturbances of a child
A high benefit maximum
You and each of your enrolled family members are covered for a maximum benefit of $2,000,000 during the policy term. |
What short-term health insurance does not cover
Because the short-term health insurance has been created to protect you against the unexpected during a short period of time, it doesn't cover all preventive and routine care or pre-existing conditions. To offer a reliable plan that's still affordable, Blue Shield Life will not cover:
- Pre-existing conditions
- Routine physical exams & immunizations
- Pregnancy and childbirth
- Nursing homes, convalescent homes or extended care facilities
- Routine dental and vision care
- Injury or sickness covered by workers' compensation
Access a broad network of providers
With Option One, you can access the Blue Shield Life Network of providers, one of the largest in California. Using network providers gives you these advantages:
- Lower your out-of-pocket costs because contracted physicians and hospitals agree to accept Blue Shield Life's negotiated allowable amount as payment in full
- Save on time and paperwork by having network providers submit your claims directly to Blue Shield Life
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Go outside the network if you choose
You also have the freedom to receive care out of the network. In this case, your share will be 20 percent of the allowable amount, plus any charges over and above the allowable amount covered by Blue Shield Life.
Your copayment & deductible amounts
Blue Shield LIfe offers five deductibles for your to choose from: $250, $500, $1,000, $1,500 or $2,000
Deductibles waived for accidents
Blue Shield Life will give you immediate benefits when you're most vulnerable. If you have an accidental injury while your policy is in force, we will waive your plan deductible and emergency room deductible for covered services.
Receive added accidental death and dismemberment insurance.
Along with Option Twelve, Blue Shield Life gives you extra coverage by including a $50,000 benefit for accidental death and dismemberment insurance. This is only available to the primary insurance, age 18 and older. |
 Re-apply when you coverage period ends - As temporary insurance, your Option One policy is non-renewable. But, should you need more coverage after your termination date, you may apply for another Option One plan, provided the total days of coverage haven't exceeded 365 days. If the total days of coverage for all plans combined (Option One and/or Option Twelve), has reached 365 days, there is a mandatory six-month waiting period before you may re-apply for any other short-term health insurance plan Blue Shield Life offers.
Please note that you must meet all eligibility guideline to purchase an additional policy. Purchasing an additional policy does not constitute a continuation of coverage. |
