Preferred Provider Organization plans PPO plans for short save you money when you use healthcare providers within a selected network. Blue Cross has one of the largest PPO networks in California, with over 48,500 doctors and 465 hospitals.
By putting together this network of healthcare professionals, Blue Cross is able to ensure the quality of healthcare services its members receive. It's also able to negotiate the price those services will be given at enabling it to pass savings on to its members.
These plans are ideal for people with a family or people about to start one. They offer coverage for you and your school-age children. They also offer maternity benefits.
Best of all, most of the services you and your family need immediately are covered before you have to start paying the deductible. This includes preventive care, doctor visits, and generic prescription drugs.
Some of the features of Blue Cross PPO plans include:
$10 copay on prescription drugs- Maternity coverage
- Coverage for physical therapy and acupuncture
- Coverage for Well Baby and Well Child care
The flexible deductible helps you budget for your medical needs. The higher the deductible you choose, the lower your monthly premiums.
Like most PPO plans, the Blue Cross plans let you use a healthcare provider outside of the network, and still enjoy some coverage. For most services, Blue Cross will still pay up to 50% of the cost of healthcare you receive outside the network. But to get full coverage, you should choose a provider within the network. Blue Cross has a provider finder to help you find a professional in your area.
The PPO plans available from Blue Cross of California include:
- The Blue Cross Share PPO
- The BC Life & Health RightPlan
- The BC Life & Health 3500 PPO
- The BC Life & Health PPO Saver
- The BC Life & Health Basic PPO
Not sure if a PPO plan is right for you? Blue Cross also offers HMO plans. Need to know more? Get a free quote and start comparing plans and prices.
