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A PPO is a preferred provider organization. Both Blues offer this coverage with the amount of deductibles determining consumer pricing. Blue Cross California PPO offers a number of deductibles with set pricing copays. You may also opt for a plan in which you are allowed several office visits with a copay prior to meeting the deductible. Blue Shield PPO differs somewhat in that the copay is generally a percentage of the expense, for instance 30 percent. One concept to understand is that the more out-of-pocket expenses you incur, the lower your premiums will be.
Actually, either Blue can satisfy your needs. The advantage of a Blue Shield PPO, or any other, is in the ability to go outside the network. You will pay for the privilege but nowhere near what it could be without any insurance to pick up at least some cost. Before you make your decision, study the benefits carefully and let us clear up any questions you may have. Some plans do not include medication coverage or maternity, which may be a major consideration for you.
When insurance premiums are exceedingly inexpensive, you can be sure the deductible and/or copay are high. This is not always a bad thing, depending on your financial goals. Health savings accounts are a good way to keep costs down with high deductibles. Blue Cross California PPO has such an offering and we will be happy to explain it to you.
When you want answers, California Health Plans has your answers. If you are new to the idea of buying your own low cost medical insurance, let us help you navigate the terms and conditions inherent to the insurance business and their terminology. We won't sell you any more coverage than you want or need, and will advise you of the pitfalls to be encountered.
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