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The PPO plan family features a progression of plans with different medical deductibles and coinsurance amounts, offering clients a choice of different price points to choose from, within the same plan family.

2022 Summary of Benefits for PPO plans.

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HMO plans offer your clients affordable coverage and comprehensive benefits with predictable copayments for office visits. All HMO plans offer clients the freedom to see a specialist without a referral*, and out-of-area coverage for urgent and emergency care through the BlueCard® program.

2022 Summary of Benefits for HMO plans.

  • Access+ HMO plans
    Access+ HMO® plans include our broadest HMO network that includes more than 44,000 physicians and over 325 hospitals and 350 medical groups/IPAs throughout the state.

  • Local Access+ HMO plans
    Local Access+ HMO® plans have the same comprehensive coverage as the comparable full-network Access+ HMO plans, but with a narrow network and lower monthly rates.

  • Access+HMO SaveNet plans
    Access+ HMO® SaveNetSM plans are perfect for your clients who want to take advantage of a smaller network for greater potential savings. With SaveNet, members get the comprehensive benefits, self-referral to specialists and value-added services available with the Access+HMO plan. 

  • Trio HMO plans
    We've put our powerful connection to work for your clients to create a family of precision network HMO plans: Trio HMO. These plans focus on delivering choice, affordability and coordinated care for your clients and their employees. 

1 Health insurance products are offered by Blue Shield of California Life & Health Insurance Company. Health plans are offered by Blue Shield of California.