Health Insurance Product Reviews Major carriers and high deductible health plans
California: View Carrier Profile
- BC Life & Health Basic PPO 1000Vimo Editorial Profile
Blue Cross of California's Basic PPO is one of the cheapest that BC offers in the Golden State, so benefits are limited. There are no prescription benefits and office visits are covered only after you have burned through the $1,500 annual deductible and an additional $2,500 in coinsurance to reach the out-of-pocket maximum (OOPM). Hospital expenses, however, are covered after the deductible, but include a 20% fee charged to you (until you've spent your OOPM). - BC Life & Health Basic PPO 2500Vimo Editorial Profile
Blue Cross of California's Basic PPO is one of the cheapest that BC offers in the Golden State, so benefits are limited. There are no prescription benefits and office visits are covered only after you have burned through the $2,500 annual deductible and an additional $2,500 in coinsurance to reach the out-of-pocket maximum (OOPM). Hospital expenses, however, are covered after the deductible, but include a 20% fee charged to you (until you've spent your OOPM). - Basic PPO Saver PlanVimo Editorial Profile
This is the absolute cheapest of the Blue Cross Basic PPO plans, with a sky-high $5,000 deductible. But this offers some additional pre-deductible benefits that the non-Saver plans don't. - CORE 5000Vimo Editorial Profile
If you want catastrophic coverage for a miniscule premium, the Core 5000 delivers a bare-bones policy from one of the best healthcare networks in California: Blue Cross. - Lumenos 1500 100Vimo Editorial Profile
As affordable health insurance plans go, the Lumenos HSA is exactly kind of plan that more Americans should be signing up for because it’s custom built for use with a Health Savings Account (HSA). While many people complain about the rising costs of insurance premiums, a plan like this really makes healthcare affordable again. Lumenos HSA has been available in California since 2007. - Lumenos HSA 1500 70Vimo Editorial Profile
As affordable health insurance plans go, the Lumenos HSA is exactly kind of plan that more Americans should be signing up for because it’s custom built for use with a Health Savings Account (HSA). While many people complain about the rising costs of insurance premiums, a plan like this really makes healthcare affordable again. Lumenos HSA has been available in California since 2007. - PPO 3500 HSA Compatible PlanVimo Editorial Profile
Blue Cross of California's PPO HSA Compatible Plan is one of the cheapest that BC offers in the Golden State, so benefits are non-existent – until you burn through your $3,500 deductible. Then you'll pay $0 for most covered services. Unlike some high-deductible plans on the market, it also merges your medical and pharmacy deductibles, so every time you purchase prescription drugs, the cost applies toward your deductible. The best thing about the plan, however, is that it enables you to open a Health Savings Account (HSA). - Right Plan PPO 40Vimo Editorial Profile
One of Blue Cross of California's many lower cost PPO plan, the PPO 40 is only available to singe adults – not families. It also has the lowest deductible of BC's PPO plans: $0. But it comes with a high coinsurance percentage of 40 percent, hence the "40" in its name. But the benefits mirror those of other, high-deductible PPO plans. The plan has an out-of-pocket maximum of $7,500. - Share 1000 PlanVimo Editorial Profile
One huge benefit of Share 1000 that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands. - Share 1500 PlanVimo Editorial Profile
One huge benefit of this plan that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands. - Share 2500 PlanVimo Editorial Profile
One huge benefit of this plan that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands. - Share 500 PlanVimo Editorial Profile
One of the lowest deductible Blue Cross of California PPO plans, this shares a lot in common with the other Share plans in BC's California roster. One huge benefit of this plan that really sets it apart from other BC offerings across the board is that it includes maternity coverage. If you're a woman who thinks there's even a chance that you'll become pregnant in the next couple of years, maternity coverage is a must, as the hospital bill for having a baby can be in the tens of thousands.