3 Health Plans for the California Budget Consumer

One of the most important things that people take into account when choosing a health insurance plan is the price. Often times, shopping for a health care plans becomes a stressful undertaking because its difficult to find one that fits your financial capability. Fortunately for residents of the state of California, Anthem Blue Cross offers three different health plans for the budget-conscious consumer. Here they are:

SmartSense– This is one of Anthem Blue Cross’ lowest priced health care plans. An individual may choose a deductible of $500, $1,500 $2,500, or $5,000. For the first three doctor visits, the plan holder will have to pay a co-pay of $30. Policy holders will have to pay 30% of fees and charges (until out-of-pocket expense has been met) for professional services, hospital inpatient and outpatient services, emergency room services, and preventive care services after satisfying their deductible. The SmartSense plans do not offer maternity coverage.

RightPlan PPO 40– If paying a deductible isn’t your thing, then this plan is for you. The policy holder will immediately pay 40% of professional services, hospital inpatient and outpatient services, emergency room services, and preventive care services until the out-of-pocket expense of $7,500 has been met. Regular doctors’ office visit co-pays are offered at $40 every time you see a doctor. Like the SmartSense, this plan does not cover maternity care service.

PPO Share Plans – This is the most comprehensive health care plan offered by  Anthem Blue Cross. The deductibles include a $1,500, $2,500 and $5,000 option. Unlike the two other plans, PPO Share plans cover maternity services in which the policy holder will pay 30% of negotiated fee after satisfying a deductible. This is ideal for families looking to have more children. Doctors’ office visit co-pays are offered before deductible at $35 while specialists office visits are a $40 co-pay.

Keep in mind that all three plans carry prescription drug coverage in varying amounts. The SmartSense plans in particular will offer full Rx or just generic Rx while the Right Plan PPO 40 will offer full Rx, just generic or no Rx at all! Of course these different options all come with a different monthly premium. You may want to contact us here at J.C. Lewis Insurance Services to determine the best Rx option for you.

Policy holders of any of the three plans can opt to add dental coverage to their plans. Anthem Blue Cross of California offers a variety of options for your dental insurance needs. J.C. Lewis Insurance Services can advise you on which dental plan will best suit you and your family. We not only can show you the dental plans, their benefits and premiums but we will also call your dentist to confirm which dental plans he/she may be contracted with.

In addition, Anthem Blue Cross policy holders can choose to add term life insurance to their health care plans. Monthly rates range from as low as $1.50 to as high as $185, depending on the coverage level and age of the person being insured. By choosing to add term life insurance to their health care plan, consumers can be sure that their families will be left with some financial support on the event of their death.