The 2018 Blue Shield Covered California PPO is the only company offering their PPO health insurance plans in every county of California including Los Angeles County.
Los Angeles County in 2018 will have limited PPO plans available to its residents. Anthem has decided to leave all southern California Counties for the upcoming plan year. So if you are looking for a traditional PPO style plan, I recommend looking at the different Blue Shields plan for yourself and family.
The 2018 Blue Shield Covered California open-enrollment dates are as follows:
- November 1 – December 15 = January 1 start date
- December 16 – January 15 = February 1 start date
- January 16 – January 31 = March 1 start date
The above dates are for anyone enrolling through the Covered California health insurance Exchange. This is the only way one can receive a subsidy or premium discount. If you enroll for example to Blue Shield, Kaiser or Anthem directly through one of their links, you will not receive the subsidy even if you qualify.
Subsidy or premium discounts are determined by your household income. Add up everyone in the house who receives a full time or part time income, including investment distributions.
If your household income is above $138% and 400% or below, you may receive a premium subsidy or discount. If you are 138% or below, you or your children may be placed on a MediCal health insurance plan.
If you Enroll outside of the Exchange:
If you are enrolling or changing plans outside of the Covered California health insurance exchange. In other words, you do not qualify for a subsidy or premium discount, then your open-enrollment is; November 1, through December 15, 2017. It is only 6 weeks long.
Doctors & Hospitals
If you have certain doctors and hospitals you want access to, please contact me and I can verify or look up doctors, specialists, medical groups and hospitals to see if they are contracted with Blue Shield in 2018.
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.
Help with Enrollment
I will be working 7 days a week during the open enrollment period. And can help if you are anywhere in California.
Please contact me anytime for a free comparison.