What health plans does Blue Shield of California offer?


Quick Answer

Blue Shield of California offers various types of health plans including individual health plans, family health plans and employer-sponsored health plans. This company, which is an independent member of the Blue Shield Association, also provides Medicare plans and benefits that include supplemental and prescription drug plans, states BlueShieldCA.com.

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Full Answer

Members who are enrolled in any of Blue Shield of California's individual and family health plans can get coverage through either a preferred provider organization or an exclusive provider organization. Both PPO and EPO plan members have several options to choose the specific health plan that best fits their health care needs and budget. These options are categorized into different metal levels, which as of 2015 include Platinum 90, Gold 80, Silver 70, Bronze 60, Bronze 60 HSA and Minimum Coverage 60 health plans.

Blue Shield of California's Platinum 90 health plans have zero deductibles and provide the lowest out-of-pocket expenses for in-network coverage. The Gold 80 plans also do not require members to pay a minimum balance before providing coverage. Some benefits from these plans include coverage for urgent care, doctor visits and prescription medicine. The Minimum Coverage 60 plan, meanwhile, is a high-deductible health plan particularly designed for individuals younger than 30 years old, although certain exceptions may apply for those who are older than age 30, notes BlueShieldCAPlans.com.

Blue Shield of California also offers cost-sharing health plans via its trademarked product Covered California. These plans are classified into the Silver 94, Silver 87 and Silver 73 health plans.

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