HMO Plans

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.

2024 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.
Trio HMO plans
We've put our powerful connection to work for your clients to create a family of precision network HMO plans. These plans focus on delivering choice, affordability and coordinated care for your clients and their employees. With this interactive video, find reasons why Trio could be the right choice for your client.

* For Access+ HMO, Access+ HMO SaveNet and Local Access+ HMO plan members, the medical group or IPA must be an Access+ provider for members to use this benefit. Medical groups and IPAs that participate in the Access+ Specialist program are designated with an “A+” in our online and printed directories and on Blue Shield member ID cards. For Trio HMO plan members, as a Blue Shield of California HMO member, your Blue Shield member ID card will have a “T+” next to your primary care physician’s medical group or Independent Practice Association if it offers the Trio+ Specialist option.