Smart Sense PPO

Here is how you would use the Smart Sense

You decide on the plan design that is right for you Choose from Four deductible choices $500, $1,500, $2,500 or $5,000 Generic drug coverage or Comprehensive drug coverage

Major benefits of this plan are: Affordable deductibles Lower premiums

You go to a doctor Choose from over 51,000 doctors in California $30 copay for the first three doctor visits Other costs go towards deductible or coinsurance

You have a prescription to fill Go to almost any pharmacy Generic: $15 copay or 40% (which ever is greater) Brand name: $15 copay or 40% after $500 deductible Pay 40% of negotiated fee for self administered injectables, except insulin

You go to the emergency room. Pay $100 copay to hospital Copay is waived if admitted into the hospital Pay 30% of negotiated fee Maximum out of pocket is $2500 plus deductible

You're admitted into the hospital Choose from over 400 hospitals in California Pay 30 % of negotiated fee Blue Cross pays 70% of fees Maximum out of pocket is $2500 plus deductible

You visit the dentist You can add Dental insurance to this plan Choose a PPO or HMO model Dental care contributes to your overall health

 

The Smart Sense Plan does not include maternity benefits.

You maximize your plan benefits by choosing providers and hospitals within the Blue Cross PPO network.  Out of Network benefits are lower.   

Please see brochure for complete details.

 

Click here for premium rates for all ages and areas of California

Download Brochure (pdf file)

 

Apply online for Blue Cross of California