Blue Shield of California Essential Plans, 1750, 3000,4500...
Important Note: The Essential plans will no longer be for sale after June 30, 2012. All applications received with effective dates of 07/01/2012 or later can only be for one of the NEW Shield Complete Plans. See information for Shield Complete plans below.
  Blue Shield of California provides three choices to the consumer with ESSENTIALSM PLAN 1750, 3000 AND 4500. These low-cost individual plans minimize your annual out-of-pocket costs and offer the broad range of quality coverage you need. These PPO plans for individuals are among their lowest cost options, and make getting the coverage you need simple by combining medical, dental and vision all in one plan.
Is an Essential Plan right for you?
You know you need coverage for predictable and unpredictable events, but you don't want to spend a lot on monthly rates. EssentialSM Plan 1750, 3000 and 4500 provide the affordable quality coverage you need and limit your possible out-of-pocket costs. The plans are available for individuals only and do not provide maternity or brand-name drug benefits. With a Blue Shield of California Essential Plans 1750, 3000 and 4500 you'll enjoy access to one of the largest provider networks in California.
Another strong benefit is that if you become pregnant as a member on an Essential plan, Blue Shield of California Life & Health offers a free transfer to their Shield Spectrum PPO Plan 5000.
Blue Shield of California's Essential Plan Advantages
- Comprehensive coverage - includes medical, dental, and vision care
- Affordable Monthly Rates
- Manageable out-of-pocket medical costs
- You're covered a 100 percent after the deductible is met
- Affordable copayments for preventive care office visits ($40) and generic prescription drugs at network pharmacies ($10)
- Choice of three deductibles ($1,750, $3,000 and $4,500)
- No Maternity coverage, however, members who become pregnant can transfer without underwriting into the Shield Spectrum PPO Plan 5000.
- Access to one of California's largest PPO provider networks in California
- Knowledgeable customer service representatives who can assist you and quickly answer your questions
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Visit the Other Plans In The Shield Complete Portfolio
 Blue Shield of California's streamlined portfolio of Individual & Family Plans at a glance.
Blue Shield of California has just announced the closure of most of their Individual and Family plans effective July 2, 2012. With the exception of four plans all other Blue Shield health plans will no longer be for sale. Beginning with effective dates of July 1st (subject to regulatory approval) Blue Shield will start with their new portfolio of plans call Shield Complete. Blue Shield is offering 11 clearly-designed plans in four distinct plan families. Shield Secure Plus, Shield Secure, Shield Wise and Shield Saver.
Below is a brief outline of the other Shield Complete plans available beginning July 1, 2012. Each of these plans offer a different benefit level and price point to consider. Including |
 Shield Secure Plus - The Shield Secure Plus plans provide physician office visits for a low copayment, a low brand-name prescription drug deductible, and a choice of several medical deductible options to meet your needs. Shield Secure Plus provides physician office visits for a fixed copay of $30 before meeting the deductible and multiple medical deductible options, some of Blue  Shield of California's lowest out-of-pocket maximums. The three deductible options for Shield Secure Plus are $2,000, $4,000 and $6,000 dollars. CLICK HERE FOR MORE... |
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 Shield Secure - These Blue Shield plans offer the same physician office visits and medical deductible options as Shield Secure Plus plans, but at a lower monthly rate. The lower costs come from members sharing more of the costs such as higher coinsurance and higher out-of-pocket maximums. These plans also cover generic prescription drugs, along with higher brand-name drug deductible for the security of brand-name drugs. The three deductible options for Shield Secure Plus are $2,000, $4,000 and $6,000 dollars. CLICK HERE FOR MORE... |
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 Shield Wise - Shield Wise plans provide the right amount of benefits to keep your clients healthy and the protection they need in case of an unforeseen illness or emergency. This plan family offers multiple levels of cost-sharing for greater financial flexibility, two physician office visits for a fixed copay of $30 prior to meeting the annual deductible, preventive care for $0 copay, and a high brand-name drug deductible for those who prefer to keep their monthly rates low but want to know they have coverage for brand-name drugs if they need it. CLICK HERE FOR MORE... |
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 Shield Saver - Shield Saver* plans are high-deductible health plans (HDHPs) that are compatible with a Health Savings Account (HSA). The deductible is equal to the copayment maximum, so once your client meets their deductible Blue Shield will pay 100% of covered services when using Preferred Providers. Low out-of-pocket costs make Shield Saver plans ideal for clients who are looking to protect their finances in the event of a medical emergency. Shield Saver plans allow your clients to lower their rates without losing the coverage they need to protect their health and finances. CLICK HERE FOR MORE... |
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 Access+ HMO - The Access Plus HMO plans provide you with predictable out-of-pocket expenses and minimal paperwork. Before meeting a deductible they will have easy access to a wide range of services for a small copayment, like physician office visits and generic drugs. The Access+ HMO® package also includes basic dental benefits, including coverage for oral exams, teeth cleanings, and restorative services. CLICK HERE FOR MORE... |
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Stand Alone Dental Plans now available...
  Blue Shield of California now offers a range of affordable and comprehensive dental plans available to residents of California with or without a Blue Shield health plan. With Blue Shield's broad dental network including nearly 20,000+ dental PPO providers and more than 8,600 HMO providers in California it is easy to access one of the largest networks in California.
Blue Shield offers two new PPO dental plans to choose from and their new Specialty Duo Option. The new Smile PPO and the Value Smile PPO dental plans both provide you affordable options to help you stay healthy now and avoid costly dental expenses in the future. The savings you will receive with the Smile PPO plan keep the cost of dental work from taking a deep bite our of your wallet later. The Value Smile PPO plan provides preventive, diagnostic, and some minor restorative services designed to aid in reduction of future costly services. Find out more on these two new plans and how to enroll by clicking here...
Did you know? - Eye exams can often detect serious chronic conditions such as diabetes, hypertension, and high cholesterol. Routine eye exams can help detect both eye and systemic health problems. When detected early, many serious health conditions can be managed more effectively - with less costly treatments and a better change for a healthy outcome.
Whether you need treatment or just want preventive care, it's never too late to get dental or combined dental + vision coverage to help maintain your overall health.
Specialty Duo Dental + Vision Package - From cavities to contact lenses, the Blue Shield Specialty Duo dental + vision package can save you money on a wide range of care with Blue Shield's network providers. Blue Shield has combined the benefits of the Dental PPO plan with  Comprehensive vision benefits into a single package. You've also got the freedom to choose the providers of your choice, with access to one of the state's largest dental networks and one of the state's largest vision networks. CLICK HERE FOR MORE INFORMATION
Life Insurance...
Blue Shield Life can help you prepare for the unexpected. Blue Shield Life offers the financial protection and security of $10,000, $30,000, $60,000 or $100,000 in term life insurance. In addition, life insurance can be continued beyond the termination of your health plan. |
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Blue Shield of California Health Plans
FINDING THE RIGHT PLAN |
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Existing Plans Available until July 2, 2012 |
New Plans Effective July 1, 2012 |
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Other Supplemental Plan Options |
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International Medical Insurance, Visitor, Trip & Student Insurance
- Coverage from 5 days up to 187 Days
- Coverage from 5 Days up to 12 months - renewable for 3 years
- Inbound Immigrants
- US Citizens Traveling Abroad
- US Citizens Living Abroad
- Global Students
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For strong Temporary financial protection, choose Short Term Medical from Assurant Health
- 30 - 180 Days of coverage
- Inpatient and Outpatient coverage
- Four deductible options to choose from
- Choose your co-insurance percentages
- Lifetime Maximum of $2 million
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Anthem Blue Cross offers a stand alone dental insurance for individuals, families and seniors.
- Includes cleanings, exams, X-rays at 100%
- No waiting period for checkups
- $1,250 Annual Maximum
- Freedom to go outside PPO network if desired
- Network with over 19,000 providers
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Assurant Health Dental insurance helps pay for dental checkups and treatment. Available as a stand alone plan for individuals and families.
- Cash benefits help pay for checkups and treatment
- No waiting period for checkups
- Visit any dentist - non network restrictions
- Three dental plans to choose from
- Pays benefits in first policy year even though waiting period has not been met
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HumanaOne offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health.
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 50% for all Basic Services inside network
- Enjoy pre-negotiated discounts at network providers
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SENIOR DENTAL Premium Plus offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health.
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 80% for all Basic Services inside network
- $1,250 Annual Benefit per member
- Enjoy pre-negotiated discounts at network providers
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Accidental injuries catch you off guard, not to mention the costs associated with an accidental injury. But the expense is less of a concern if you have Accident Coverage for Assurant Health.
- Benefits are paid immediately - no waiting period
- Over and above any benefits you receive from any other plan
- No overall annual or lifetime limit - no matter how many accidents you have
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HumanaOne offers Vision Care Insurance for individuals that can be added to any insurance plan. Affordable premiums, simple enrollment and no deductible coverage.
- Low exam co-payments
- Eyeglass lenses covered 100% after copay
- $40 wholesale allowance for frames
- One eye exam per year
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Anthem California
