Find the Best Health Plans in Town from Anthem Health Insurance
California residents who are seeking quality health insurance at a reasonable cost will appreciate the options offered by Anthem Health Insurance. Anthem Blue Cross of California has a health insurance plan to fit virtually any person or family. The options offered include all of the following plan types, but if you don't see a plan that looks right for your situation, don't hesitate to ask about customizing one of the Anthem plans to make it work for you.
Premier Plus Plan
The Premier Plus plan is a Preferred Provider Organization (PPO) plan that has the highest amount of medical benefits in any Anthem Health Insurance plan. Your coverage under the Premier Plus plan includes an unlimited amount of visits to physicians for any covered medical services. At each visit you will need to pay a copayment. This plan also include one yearly vision exam, which will also require you to pay a copayment at the time of the exam.
SmartSense Plus Plan
This Anthem Health Insurance plan covers less than the Premier Plus plan does, but it still covers you for all the basic medical expenses along with some select extras. SmartSense Plus lets you choose your own deductible and co-insurance level. This means you can configure the plan to match your specific financial situation. SmartSense Plus gives you plan coverage for the first three physician office visits per year. You will pay a copayment at the time of each visit. This plan also allows you to choose your level of prescription drug benefits.
PPO Share Plan
This plan is a standard PPO that has wide reaching benefits. Each plan member will get an unlimited number of visits to a physician, with each visit requiring that you pay your copayment. This is a good choice for a family or those who plan on starting a family.
CoreGuard Plus Plan
The CoreGuard Plus plan is geared toward coverage of those unexpected medical expenses, such as hospital stays. The services include both routine and emergency care, and qualifying services must all be within the Anthem health care providers network. The plan includes some preventive health care benefits as well.
This plan allows for immediate coverage but still helps to lower the price of hospital stays. The first two visits to a physician for any covered medical services are covered in this plan.
The Select HMO is a budget priced plan. This plan allows members to visit doctors in the large HMO network, which has more than 20,000 California physicians in it. Plan members have access to medical services right away with no deductible as long as the services are within the HMO network.
This HMO plan offers additional benefits and is the next step up from the Select HMO plan. With the HMO Saver plan, members may visit any physician in the entire Anthem Health Insurance HMO network -- currently numbering more than 37,000 physicians. There is a $1,500 deductible for any hospital stays or emergency medical care.
This is the plan with the most benefits. The Individual HMO plan has no medical deductibles and allows plan members to visit any of the 37,000 physicians in the Anthem Health Insurance HMO network regardless of location. All medical services, whether routine care or urgent, are covered immediately, and there is no deductible.
How Do I Choose?
You may be wondering how to choose the right plan when you have so many options. Make it as easy as possible for yourself by deciding on what your health care essentials are. For example, do you feel that having unlimited doctor visits is a must, or do you want to be sure that you can keep seeing your same doctor? You'll also want to carefully evaluate your current budget and decide on a realistic amount to pay toward healthcare each month. There is a plan designed for nearly any budget, so don't worry if you don't have a lot of disposable income. Anthem Health Insurance takes pride in making quality health coverage accessible and affordable for all.