The Blue Shield Off-Exchange Package for Small Business1 is our flagship package and includes 43 plans to offer your clients. Groups may select plans combining a variety of products and networks to offer options meeting the range of the groups' needs.
The Blue Shield Mirror Package for Small Business2 offers the same seven standardized plans that are offered through Covered California for Small Business directly from Blue Shield. Mirror PPO plans use the same Full PPO network as off-exchange plans, and mirror HMO plans use the Trio HMO network.
Our Full PPO Network is among the largest in California and includes more than 75,000 physicians and over 380 hospitals.
Our Tandem PPO Network is a subset of our Full PPO Network, available statewide, with 60% of Blue Shield providers included. Tandem PPO plans provide the same plan benefits as the Full PPO plans at a lower price.
We also offer high-deductible health plans (HDHP), which are available on the Full PPO Network only. HDHPs come with the option of opening a health savings account (HSA) to help pay for qualified medical expenses.
Access+ HMO® Network provides access to more than 40,000 doctors in California.
Local Access+ HMO® Network provides access to more than 17,000 doctors in California.
Trio ACO HMO® Network provides access to 10,000 doctors in 24 California counties. Trio HMO is a high-performance health plan that leverages ACO partnerships to deliver a community of care for members. The name “Trio” represents our ACO program alliance between the medical group, hospital, and Blue Shield – an integrated network model that creates a community of care to support improved health outcomes for Trio members. Visit blueshieldca.com/ACO.
Looking for a specific doctor? Use our Find a Doctor tool to search for doctors in your network.
Learn more about Blue Shield of California's small business PPO, HMO, and HSA-HDHP networks with the Broker Plan Comparison tool. This interactive tool features our product portfolio with a variety of resources at your fingertips.
It is important to remember:
The networks available to your clients depend on the plan(s) they purchase.
Plans in the Mirror Package cannot be offered alongside any plans in the Off-Exchange Package.
Customers purchasing from the Off-Exchange Package have a choice between a Local Access+ HMO or an Access+ HMO, but not both.
Customers purchasing from the Mirror Package can purchase a Local Access+ HMO plan if they are located in the Local Access+ Network 1 service area, or can purchase an Access+ HMO plan if they are located in the Access+ Network 2 service area.
1. The Blue Shield of California Off Exchange Package for Small Business has 43 plans. If you are an employer located in certain California counties whose eligible employees live or work in the Local Access+ HMO service area, you have the option of choosing any of the Local Access+ HMO plans or any of the Access+ HMO plans, but not both. Customers in the Trio ACO HMO service area may purchase both Trio ACO HMO plans alongside Access+ HMO Plans. Please review the Benefit Summary Guide (A16609) for detailed information regarding the Local Access+ HMO service area.
2. The Blue Shield of California Mirror Package for Small Business has seven plans, six of which are HMO plans with a choice of the Access+ or Local Access+ HMO network. If you are an employer located in certain California counties whose eligible employees live or work in the Local Access+ HMO service area, you have the option of the Local Access+ HMO plans. If you are located in, and have eligible employees who live or work in, one of the following seven counties, you have the option of the Access+ HMO plans: Alameda, Butte, Fresno, Imperial, Kings, Madera, and Nevada (partial county). Please review the Benefit Summary Guide (A16609) for detailed information regarding the Local Access+ HMO service area.