Blue Cross of California High-Deductible and HSA Compatible Plans
Written through Blue Cross Life & Health Insurance Company, Blue Cross offers two PPO plans with a $3,500 deductible. The benefits on these two plans is similar, but only one of them is HSA compatible. Both plans are ideal for individuals looking for simple medical insurance coverage with great benefits and low monthly premiums. The out-of-pocket maximums are low on both plans, but most covered services are not provided until you have met the $3,500 annual deductible. Providing access to over 50,000 California physicians, both plans offer you the freedom to choose your own doctors from this extensive network.
Blue Cross 3500 Deductible PPO Plan
This plan is designed to protect you against major medical expenses. The annual deductible for all covered services (except prescriptions) is $3,500. Once you have met your deductible, your eligible health care expenses will be covered in full for the remainder of the calendar year. Prescription drugs are covered at $10 generic, $30 brand, with a $500 annual deductible for brand name drugs only. Maternity benefits are not covered under the 3500 Deductible PPO plan. When using a non-preferred in-network hospital an additional admission fee of $500 will apply. The out-of-pocket maximum on this plan is $3,500 in-network and $10,000 when using non-participating providers.
Blue Cross PPO 3500 HSA Compatible Plan
The PPO 3500 Plan is the only HSA Compatible plan offered through Blue Cross. This plan is designed to protect you from catastrophic financial loss in the event of illness and injury. The PPO 3500 plan is HSA eligible which allows you to deposit your annual deductible into a tax-deferred savings account. There is an annual deductible of $3,500 that applies to all covered medical expenses, including prescription drugs. Once your annual deductible has been met, you are covered for all applicable and eligible medical expenses at 100%. Prescription drugs have a continuing co-pay of $10 for generic and $30 for brand. Both the annual deductible and the out-of-pocket maximum for families are aggregate, meaning that combined family members can combine their deductible contributions to reach this maximum. The family annual deductible is $7,000 and the family out-of-pocket maximum is $10,000.
The information provided on this page is subject to change and my not be current. Check with the insurance company or your insurance agent for verification of details. The information provided is for comparison purposes only and is not legally binding. Always review the plan brochure or your policy details for complete and accurate details about this policy.