Blue Shield Health Insurance
When you are buying health insurance, you may find there are a confusing array of options, various benefits available, and wildly differing costs. Even if you are young and healthy, you probably know that insurance is a necessity. Insurance can help protect you from the financial devastation that can occur following a single accident, injury, serious illness, or infection.
Blue Shield health insurance offers different plans based on the needs of the individual. A preferred provider plan, or PPO, allows the freedom to visit both preferred and non-preferred health care provider, although out of pocket costs may be reduced for the use of a preferred provider. There is no need for a referral to visit a specialist.
Health maintenance organizations, or HMOs, offer reduced costs to their subscribers in exchange for slightly less choice when it comes to health care providers. Lower co-pays, reduced deductibles, and fewer out-of-pocket expenses combine to make it an attractive alternative for many on a budget. Few claim forms are needed, making it a convenient option as well.
A point-of-service plan, or POS, is a hybrid of the two managed care plans, offering the efficiency and ease-of-use of an HMO as well as the flexibility of a PPO. Out-of-network benefits are covered, although there may be more out-of-pocket fees. Subscribers have the freedom of visiting specialists without going through a referral process.
Another option exists for those who prefer to not use managed care: fee-for-service. Fee-for-service plans are also known as traditional insurance plans. Higher costs in the form of monthly premiums and deductibles are the trade off for few or no restrictions on your choice of health care providers.
Each type of Blue Shield health insurance plan has benefits and expenses, and it is important that you weigh each and compare them carefully before purchasing your desired plan. Health care needs including prescription drugs and frequency of health care use, budgetary concerns, and personal needs for flexibility should all be taken into consideration when shopping for Blue Shield health insurance plans.
Weighing the benefits you need against the costs you can afford will ensure you get the Blue Shield health insurance plan that is right for your situation.
Weighing the benefits you need against the costs you can afford will ensure you get the Blue Shield health insurance plan that is right for your situation. Sofi Insurance Services can help you with finding insurance plans offered by insurance companies including Aetna, Blue Shield, Anthem, Cigna, Health Net, United and many other companies. We also help you with finding insurance plans such as personal health insurance, family health insurance, group health insurance, HMO health insurance, PPO health insurance, employee health insurance, individual health insurance, small business health insurance, self-employed health insurance and children health insurance.
Blue Shield Plans:
- Vital Shield Plans
- Vital Shield Plus Plans
- Essential Plans
- Active Start Plans
- Balance Plans
- Shield Spectrum PPO
Shield Saver Plans
- Shield Saver Plan 4000
- Shield Saver Plan 6000
- AccessPlus HMO
- AccessPlus Value HMO