• How can I view my 2022 plan documents?

    Get access to your plan documents using our finder tool. You can also log in and find your plan documents in your online account. Be sure to download and keep these documents in your files for future reference. If you need copies mailed to you, please call us at the phone number on the back of your Blue Shield member ID card.

  • What plan options will Blue Shield be offering for 2022? How can I compare plans?

    Blue Shield of California is the only insurer in California that will continue to offer Preferred Provider Organization (PPO) plans in every ZIP Code across the state. Our PPO plans give members access to the only statewide provider network that includes more than 5658,000 doctors and 325 hospitals.

    Blue Shield will also continue to offer Health Maintenance Organization (HMO) plans with access to the Trio ACO HMO Network. These plans include additional benefits such as access to:

    • Shield Concierge, a team of dedicated representatives including nurses, social workers and pharmacists
    • Teladoc® for $0 copay, which allows you to receive medical and mental health care 24/7 over phone or video chat

    Explore our PPO plans
    Explore our Trio HMO plans
    Explore our dental, vision, and life insurance plans

  • Which plan is better for me: Trio HMO or PPO?

    With an HMO plan, your primary care physician (PCP) is your first point of contact for your health care and will treat your common illnesses and injuries and refer you to specialists, when needed.

    Trio HMO is available in 26 California counties. Before selecting a Trio HMO plan, make sure that Trio HMO is available in your area by visiting blueshieldca.com/triocheck. Then, review the Trio network to find providers near you.

    The benefits of being a Trio HMO plan member are:

    • You have access to our quality Trio ACO HMO Network of 348 hospitals, 5,808 primary care physicians, and 20,931 specialists, including Dignity Health, Hoag Memorial, John Muir, Providence, St. Joseph, St. Jude, and UC San Francisco.
    • Your plan includes Shield Concierge, a team of healthcare experts and dedicated customer service representatives ready to answer all your benefits and health-related questions.
    • You have access to the Healthy Savings grocery promotions program that helps Trio HMO subscribers save money at major grocers including Safeway, Albertsons, Vons, Walmart, and more.
    • Qualified members recovering from serious illness also have access to a meal delivery program and non-emergency transportation.  


    With a PPO plan, you have more flexibility. The benefits of being a PPO plan member are:

    • You have access to our Exclusive PPO Network, the only statewide PPO network, which includes more than 58,000 doctors and 325 hospitals across California.
    • You can see any doctor or specialist that you want in California without a referral, but you’ll pay less out of pocket when you see a doctor in your plan’s network.
    • You are not required to see a PCP first to receive care, but you can partner with one to be your healthcare advocate.
  • How do I make sure my doctor is in Blue Shield’s network?

    I have or am considering a PPO plan: To make sure you save money and do not pay more out of pocket, you should use doctors and hospitals in  your plan’s network. If you choose to use a doctor or hospital that is not in your plan's network, this will significantly increase your costs; or, if the service isn't covered, you will be responsible for all billed charges.

    Find doctors and hospitals in the Exclusive PPO Network.*

    I have or am considering a Trio HMO plan: Your services are only covered if you see providers in your plan's network except in the case of emergency treatment, or if a specialist for the care you need is not in your plan's network, then your primary care physician (PCP) will refer you to one outside the network.

    Find doctors and hospitals that are in the Trio ACO HMO Network.*

  • How do I use AutoPay to pay my bills?

    You can set up recurring payments with AutoPay℠ regardless of what Blue Shield plan you select. When you renew with Blue Shield your automatic payment will be automatically adjusted with your 2022 monthly premium starting with your January bill. Your enrollment in AutoPay will continue unless you cancel the service.

  • Will I receive a new ID card?

    Unless you signed up for paperless communications, you will receive a new subscriber ID card for next year. Be certain to begin using your new card starting January 1. To have accurate information on your ID card by January 1, make sure you change your coverage before December 15.

  • What type of financial help can I get to pay for my coverage?

    Federally-funded financial help that individuals can apply for and qualify to receive in the form of premium assistance is available when enrolling in a plan through Covered California. It is available for individuals and families who qualify based on the number of people in the household, income, age, and cost of the second lowest silver level plan in your geographic location.

    There are two types of financial help that can make health coverage more affordable:

    1. Premium assistance: Premium assistance lowers the cost of your monthly premium and the amount of financial help you can get is dependent upon the cost of the second lowest cost silver plan in your areas and the information submitted when you enroll through Covered California including your income, age and household size.

    The Advanced Premium Tax Credit is a federal tax credit that can be applied in advance as a monthly credit on your billing statement – or at the end of the year in a lump sum when you file your federal income taxes.

    2. Cost-sharing reductions: This is federal financial assistance that will help you pay less for out-of-pocket costs (copays, coinsurance, and deductibles) when you receive healthcare services. Your income and family size may qualify you for cost-sharing reductions through Covered California if you enroll in a Silver-level plan.

    Learn more about financial help.