Blue Shield of California Shield Savings Plans A36813 2011
Blue Shield of California Shield Savings Plans A36813 2011
Blue Shield of California Shield Savings Plans A36813 2011
To help you cover your deductible in the event of hospitalization, we also offer a 12-month supplemental hospital insurance indemnity
rider – Bridge Plant – with select Shield Savings plans. Bridge Plan gives you $1,500 if you are hospitalized for 72 consecutive hours or
more during your first year of coverage.2 Now you can have peace of mind, knowing you have a backup: Bridge Plan.
Compare for yourself all the great benefits of Shield Savings plans
Advantages of Blue Shield individual and family plans Understanding your plan
• Affordable – we’ve negotiated with providers for To make health coverage easier for you, here is a simple
lower fees, so you’ll pay less for covered medical description of how these plans work:
services. A lot less.
• Most benefits are subject to your annual medical
• With more than 60,000 doctors, Blue Shield has some deductible, but you receive preventive care right away
of the largest PPO provider networks in California. If at no charge.
you already have a doctor, chances are your doctor
• For most other medical services, you’ll pay the
is in one of our networks.
reduced fee we negotiated with your provider until
• Lots of extras such as around-the-clock access to a you’ve reached your annual deductible amount. After
registered nurse, wellness programs and discounts, that, you’ll pay only the amount shown on the previous
and out-of-state coverage at no additional cost. page, and we’ll pay the rest.
• 20% vision discounts for eye exams, frames and lenses, • If you reach your annual out-of-pocket maximum,
and other products.3 then we’ll pay 100% of your costs for all covered
medical services.
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nderwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life). Shield Savings plans 1800/3600, 3500, and 5200 are pending
regulatory approval.
1 A Health Savings Account (HSA) is a personal savings account that allows you to pay for qualified medical expenses with tax-advantaged dollars. You
contribute money to an HSA through pre-tax or post-tax contributions. The money contributed to the account is not subject to federal income tax at
the time of deposit. Funds in an HSA roll over and accumulate year after year if not spent, and all money in your HSA is owned by you. Although most
consumers who enroll in an HSA-compatible health plan are eligible to open an HSA, members should consult with a financial adviser to determine
if an HSA/HDHP is a good financial fit for them. Blue Shield does not offer tax advice or HSAs. HSAs are offered through financial institutions. For more
information about HSAs, eligibility and the law’s current provisions, consumers should ask their financial or tax adviser.
2 Bridge Plan is available only at the time of enrollment, and acceptance is conditioned on approval of enrollment into an eligible health plan (Shield
Savings 3500, 4000/8000, or 5200 plans). Coverage begins on the effective date of the health plan, and continues to be effective for the next 12 months.
After the 12-month term has ended, the benefit will have a $0 cash value, and all premium payments for it stops. The benefit is $1,500 per member
($3,000 maximum per family), with no more than one payment per member per lifetime. The benefit is payable if you have been hospitalized for 72
consecutive hours or longer during your first year of enrollment.
3 The network of practitioners and facilities in the Discount Vision Program are managed by a contracted vision plan administrator (including any
screening and credentialing of provider). Blue Shield does not review the services provided by discount program providers for medical necessity or
efficacy. Nor does Blue Shield make any recommendations, representations, claims, or guarantees regarding the practitioners, their availability, fees,
services, or products. Some services offered through the discount program may already be included as part of the Blue Shield health plan covered
benefits. Members should access those covered services prior to using the discount program. Members who are not satisfied with products or services
received from the discount program may use the Blue Shield grievance process described in the Grievance Process section of the Policy. Blue Shield
reserves the right to terminate this program at any time without notice.