2018 Blue Shield Individual and Family Health Insurance Plans. Review, compare and make changes during the open enrollment.
The Covered California open enrollment will start November 1 and ends January 31, 2018. All enrollments from November 1 through December 15 will have a January 1 start date. Enrollments after December 16 through January 15 have a February 1 start. Enrollments after January 15, have a March effective date.
If you don’t qualify for a premium subsidy or discount, enroll right here, by clicking on the Blue Shield link below.
Enroll in a Blue Shield plan “Off” of the Covered California Exchange .. Enrolling Inside the Covered California Exchange is typically for the person or family who qualifies for a subsidy due to their income.
Individuals and families who do not qualify for a state subsidy, will usually enroll outside of Covered California (the plans are the same) although the application process is much quicker because you don’t have to state your income totals.
Find a Plan Design you can Afford … From the basic to the fully loaded, Blue Shield offers plans designed to fit your varying budgets and needs. All of our plan options are compliant with the Affordable Care Act, and align with the four “metal” levels of coverage established by the law. Ultimate (Platinum), Preferred (Gold), Enhanced (Silver) and Basic (Bronze).
Blue Shield also offers Get Covered (Catastrophic) plan. Each plan varies according to price and amount of coverage, allowing you to find the premium, copay and deductible combination that’s right for your unique situation.
Plus, all of our plans provide coverage for all the essential health benefits: Ambulatory patient services, Emergency services, Hospitalization, Maternity and new born care, Mental health and Substance abuse, Prescription drugs, Lab and X-Ray, Preventive care, Pediatric services including dental and vision care.
Bronze (Basic Plan): The Basic plan is designed for people who want affordable coverage with low monthly rates in exchange for a higher deductible for protection in the event of a serious medical emergency. Benefits like preventive care and three doctor visits are available for a fixed copayment before meeting the deductible.
Bronze (Basic HSA Plan): If you are looking for a plan with lower monthly rates and a way to better manage your healthcare coverage spending, look to the Blue Shield Basic Plan for high deductible health plans that are Health Savings Account eligible. With an HSA, you can prepare for future medical costs by contributing pre-tax money to your own healthcare related expenses. And preventive care is received before the deductible.
Silver (Enhanced Plan): The Enhanced plan offers a good balance between you premium and your out of pocket costs. You’ll receive benefits like doctor visits and generic drugs prior to meeting the annual deductible. Other covered medical services, such as hospitalization, are covered after you meet the annual medical deductible.
Gold (Preferred Plan): Our Preferred plan offers good coverage with manageable out of pocket costs, so it’s easier to predict additional expenses. There are no deductibles, so Blue Shield starts paying for all covered benefits immediately, including popular benefits such as doctor visits, prescriptions and urgent care.
Platinum (Ultimate Plan): Blue Shield’s Ultimate plan offers you the lowest out-of-pocket costs for medical services. There are no deductibles, so we start paying for covered benefits right from the start. By paying higher monthly premiums, you’ll usually pay less when accessing care for medical services such as doctor visits, prescription drugs and hospitalization.
Is your deductible too high?
National General offers their $10,000 “Accident” plan for only $26.50 per month. This is a great way to pay for your deductible and other out of pocket costs.
If you become injured and need medical care, National General will pay you up to your injury medical costs up to a maximum of $10,000 per injury.
Broken bones, ligaments, back injury, shoulders, falls, trips, cuts, etc. They just don’t like extreme sports.
It doesn’t matter who you have health insurance through, National General will send the check to you. What you do with it is up to you.
Here is the National General brochure: Click here.
Help with enrollment or if you have questions, please contact me anytime.
916-682-1117 – phone