California Health Insurance Plans by Blue Shield – Understanding HMOs, PPOs, and HSAs

 California health insurance plans by Blue Shield offer different options in health care coverage for you and your family. The company offers both HMO and PPO plans. There are plans where health savings accounts work well. The best way to see if a plan will work for you is to look at each one and decide.

HMO California health insurance plans by Blue Shield offer advantages. HMO stands for health management organization. If you want a plan that has predictable costs, an HMO is a good plan for you. These plans cover just about every type of medical coverage you need from preventative to catastrophic. You have fixed co-pay that comes out of pocket when you visit your primary physician or a specialist. Genetic drugs are also a low price with one of these plans. You have a primary care physician who monitors and manages your health care utilization. You have a couple of plan options with an HMO through Blue Shield. One is the Access+ Value HMO and the other is the Access+ HMO package. The biggest difference is in co-pays and deductibles.

PPO California health insurance plans by Blue Shield brings other advantages. Unlike an HMO, you do not need a referral to see a specialist with a PPO plan. You can see physicians inside or outside the network. You will get better coverage with in-network providers, but there are no restrictions. Blue Shield offers a number of plans in this framework. You might consider the Vital Shield plan. It is a lower-cost plan that offers some preventative care and genetic drug coverage. For something a bit more comprehensive, you can move up to the Shield Spectrum PPO plans. These plans provide a higher deductible, but offers doctor visits with co-pay and full preventative checkups before deductible. It also comes with prescription coverage. Once you meet the annual deductible, there is comprehensive coverage on most health care needs.

Some of the PPO California health insurance plans by Blue Shield are compatible with health savings accounts. There is an out-of-pocket maximum on these plans. That is the highest amount you can pay in a given year. Preventative care is included with these plans. You have a higher deductible, but you can cover them with money in your HSA. These plans also offer prescription coverage as well as coverage for most other health care events. Those are just some of the features of these plans.