Individual & employee benefits INSURANCE advisors               Ca Lic. #0I21751

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Individual plans are for people who want to buy coverage for themselves outside of employer-sponsored coverage

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Popular Medical Plans for California 2018 Summary of Benefits :

Blue Shield Platinum 90 PPO                                       Blue Shield Gold 80 PPO                               Blue Shield Silver 70 PPO
Deductible: 0 (none)                                                         Deductible: 0 (none)                                       Deductible: $2,500 per individual

Primary care visit: $15                                                      Primary care visit: $25                                   Primary care visit: $35

Lab: $15 copay                                                                     Lab: $35 copay                                                  Lab: $35 copay

Hospitalization: 10% coinsurance                               Hospitalization: 20% coins.                         Hospitalization: 20% coins. after deductible


Blue Shield Platinum 90 HMO Trio                             Blue Shield Gold 80 HMO Trio                      Blue Shield Silver 70 HMO Trio



Bronze plans (have lower premiums, but higher out of pocket expenses): 

Blue Shield Bronze 60 PPO                                                                                                                               Blue Shield Bronze 60 HDHP PPO
Deductible: $6300                                                                                                                                                   Deductible: $4,800 
Primary care visit: $75 (first 3 visits)*                                                                                                             Primary care visit: 40% coinsurance
Lab: $40 copay                                                                                                                                                         Lab: 40% coinsurance
Hospitalization: 100% coinsurance                                                                                                                 Hospitalization: 40% coinsurance

                                                                                                                                                                                        -This plan is HSA compatible

Blue Shield Plans available only through CoveredCa (subsidized based on income) 

Blue Shield Silver 94 PPO                                           Blue Shield  Silver 87 PPO                               Blue Shield Silver 73 PPO
Deductible: $75                                                                  Deductible: $650                                              Deductible: $2,200 per individual
Primary care visit: $5                                                       Primary care visit: $10                                   Primary care visit: $30
Lab: $8 copay                                                                      Lab: $15 copay                                                  Lab: $35 copay
Hospitalization: 10% coinsurance                              Hospitalization: 15 % coins.                        Hospitalization: 20% coins.


Blue Shield Silver 94 HMO Trio                                   Blue Shield Silver 87 HMO Trio                    Blue Shield Silver 73 HMO Trio




Other Blue Shield Medical Plans:

      Blue Shield Silver 1850 PPO                                 Blue Shield Minimum Coverage PPO
      Deductible: $1850                                                      Deductible: $7350 
      Primary care visit: $45                                              Primary care visit: subject to deductible
       Lab: $30% coinsurance                                            Lab: subject to deductible
      Hospitalization: 30 % coins.                                    Hospitalization: subject to deductible


Get a detailed quote and compare with other insurance companies

Disclosure: 

This is not the complete list of coverage and is subject to change. For specific details of your plan, please refer to the summary of benefits or your evidence of coverage. The above deductible, primary care visit, lab and coinsurance are common when using the network providers. You will pay more if using out of network providers. 

* The first 3 visits (or after first visit) are available prior to meeting the calendar-year medical deductible and include a combination of primary care physician, urgent care, acupuncture, outpatient mental health, outpatient substance abuse and other practitioner visits Subsequent visits are subject to the calendar year medical deductible. 


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