Blue Shield Health Insurance cont.

Blue Shield Deductible Plans offers four affordable health insurance Deductible Plan options - $500, $750, $1,500 and $2,000 - fixed co pays and percentage co-payments vary based on the plan

• For people who visit the doctor less frequently
• Members pay 25 or 30 percent for many covered services within the network after meeting the deductible
• Preventive care benefits for a fixed co pay before meeting the deductible
• Prescription generic drug benefits at participating pharmacies before meeting the deductible

Blue Cross offers several Preferred Savings PPO plans that protect you against catastrophic health expenses, but at a lower monthly cost than the Deductible plans.

• $1,700 and $2,400 Individual Deductible Plans
• $3,400 and $4,800 Two-Party or Family Features

Access + HMO plan is available for people who visit the doctor more frequently, gives the option of visiting a specialist without a referal, and free preventative care services.

The Health Maintenance Organization (HMO) plans offer low, fixed co-payments for a wide range of benefits, such as preventive care, inpatient and outpatient hospital services and emergency care.

• Individual Coverage monthly rate $170, two party monthly rate $330, family monthly rate $512
• $10 office visit

Shield Spectrum PPO Plans: Preferred Provider Organization (PPO) plans give your employees direct access to physicians and specialists in the preferred provider network and the option to go out of network.

• Choice of five PPO plans and four multiple plan packages
• $0 deductible option
• Two-tier provider network
• Predictable co-payments, deductibles and co-payment maximums

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