Authorized Agent for Blue Shield of California

Blue Shield of California Life & Health Insurance Company Life was formed in 1954 as a wholly owned subsidiary of Blue Shield of California to provide a full range of insurance products for their customers. With 3.3 million members and $7.5 billion in annual revenue, Blue Shield of California is the state's third largest health plan. Founded in 1939 and headquartered in San Francisco, Blue Shield is a not-for-profit corporation with approximately 4,300 employees and more than 20 offices throughout California.

New Blue Shield Active Start Plan 35

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Blue Shield Active Start Plan 35

Blue Shield of California PPO Plan

Blue Shield Active Start Plan 35 New

Blue Shield Spectrum PPO Plan 5000*

Blue Shield Spectrum PPO Plan 2000

Blue Shield Spectrum PPO Plan 1500

Blue Shield Spectrum PPO Plan 750

Blue Shield Spectrum PPO Plan 500

Blue Shield Spectrum Savings Plan 2400

Blue Shield Spectrum Savings Plan 4000

• Blue Shield Access Plus HMO

• Blue Shield Access + Value HMO

Blue Shield of California Life & Health Insurance Company Life has grown by offering competitive insurance products including Group Term Life, Accidental Death & Dismemberment, Blue Shield of California Life & Health Insurance Company Life Vision Plan, Stop Loss and Exec-U-Med medical reimbursement plans in tandem with Blue Shield of California health plans or on a stand-alone basis . In the early 1980s, introduced their Short-Term Health products. The Option One and Option Twelve plans remain one of the leading products of their kind in California needs.blueshieldofcalifornia Blue Shield Active Start Plan 35

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• What's the difference between a PPO and an HMO?
  There are many differences between them, but the most significant difference is how you access care. If you're covered by a PPO plan, you may visit any licensed doctor. In an HMO plan, you need to access non-emergency care through a designated Personal Physician to be covered. You can choose your own Personal Physician or we can assign one to you.
• Is my doctor or hospital part of the Blue Shield network?
  We offer an extensive network of physicians throughout California. To see if your doctor, hospital or other provider is part of our network, use our Find a Provider tool.
  
• Which plan qualifies for use with a Health Savings Account?
  The Shield Spectrum PPOSM Savings Plans 2400/4800 and 4000/8000 are HSA-eligible, high-deductible health plans. Since high-deductible health plan monthly dues/premiums are generally less than health plans with a lower deductible, you can put the money you might save (along with any additional HSA contributions) in a tax-advantaged personal savings or investment account. You can then use these funds to pay for qualified, non-covered services and major medical expenses - expenses that would otherwise come out of your after-tax income. This could help extend your healthcare budget.
  
• How soon can I get coverage?
  It can take four to six weeks to review your application. If you need coverage sooner, Blue Shield of California Life & Health Insurance Company offers short-term health insurance that can be effective almost immediately if you qualify. Please note that if you currently have group coverage, enrolling in a short-term health insurance plan may cause you to be ineligible for a guaranteed issue individual plan in the future
  
• Is there an exclusion for pre-existing conditions?
  For our Blue Shield PPO plans, benefits will not be provided for pre-existing conditions in the first six months of coverage. This exclusion may be waived if you have prior creditable coverage. You may have prior creditable coverage if your previous health plan covered the services in question and your application for Blue Shield coverage was received by us within 63 days of terminating your previous plan coverage.
  
• Is pregnancy a waivered condition?
  A waivered condition is excluded from coverage for charges and expenses incurred six months from the effective date of coverage. A waivered condition only applies to a condition for which medical advice, diagnosis, care or treatment (including prescription drugs) was recommended or received from a licensed health practitioner during the six months immediately preceding the effective date of coverage
  With Access+ Value HMOSM and Access+ HMO®, pregnancy is a waivered condition. Therefore, benefits for pregnancy and maternity services are not covered for the six-month period from the effective date of coverage, with the exception of services required to treat involuntary complications of pregnancy.
  
  However, if you have prior creditable coverage and you apply for coverage within 63 days after termination of prior coverage, Blue Shield will credit the length of time you were covered on your previous health plan toward the six-month period.
  
  Please note that for Active StartSM Plans 25 and 35, Essential plans 3000 and 4500 and Shield Spectrum PPO Savings Plan 4000/8000, pregnancy and maternity benefits are not covered.
  
• Am I covered while traveling?
  Yes. With all Blue Shield health plans, benefits will be provided anywhere in the world in the case of an emergency. Blue Shield PPO members are also covered for care worldwide through the BlueCard program. Check your Evidence of Coverage or Policy for specific provisions.