| Brendan, a recent college graduate working
part-time and searching for full-time employment, wants
to be able to go to the doctor without having to pay
a deductible. |
Active Start Plan 35 |
With no medical deductible Brendan can
visit his doctor and only pay a low co payment for the
office visit. Low monthly premiums fit within Brendan's
budget Preventive care services for a $35 copayments
|
| Kevin and Jennifer are married and own a small business. They have grown children who no longer live at home. They go to the doctor for their regular check-ups, and prefer to pay lower monthly rates. Because they have enough in their savings, they feel comfortable paying a higher deductible in an emergency situation. |
A Sheild SPecturm PPO Savings Plan |
They want a high-deductible health plan
that is compatible with a Health Savings Account so they
can save for future health expenses. Choice of deductible
options so they can determine the best way to balance
monthly rates and deductible. Preventive care services
covered with a small copayment before having to meet
the calendar-year deductible. |
| Jacob is a recent college graduate who works for a friend's moving company. He goes to the doctor infrequently but would like to continue going to the doctor he's always gone to. He takes a prescription medicine and wants a plan that covers most of that cost right away. |
A Shield Spectrum PPO Plan |
Choice of deductibles (the higher the deductible,
the lower the monthly dues/premiums) Automatic generic
prescription drug coverage for a small copayment
without meeting the calendar-year brand-name drug deductible.
Freedom to visit Blue Shield preferred or non- preferred
doctors and specialists for a flat or percentage copayment. |
Eric and Nicole are a young couple
who want comprehensive coverage for themselves
and their son. They don't go to the doctor often, but
their son does. They want a plan that will make their
son's healthcare costs predictable. |
PPO Plan 5000 For Eric and Nicole and a separate Access+ HMO YouthCare plan for their son |
The Access+ HMO plan lets them take
their son to the doctor as often as necessary and keep
their out-of pocket costs down. Fixed co-payments for
physician office visits, hospital services and prescription
drugs, with no charge for preventive care services
for their son.
The PPO Plan 5000 covers Eric and Nicole
in the event of an emergency and provides for their
annual physical exams for a flat copayment before meeting
their deductible.
With two different plans, they can
best meet their individual coverage needs.
YouthCare
rates reduce their monthly dues.
|
| John and Sheila are a couple in their 50s who want a health plan that will cover the medical attention they may need, but with the lowest monthly premiums. They are aware of the health issues that often come with age, so they want a little extra protection just in case something happens. |
PPO Plan 500 |
The plan's $10,000 Critical Condition Protection
(CCP) benefit will provide them with the added protection
they may need in the future.
They don't mind having a
high-deductible plan that keeps their monthly premiums
low because they can afford to pay the deductible if
they have a high-cost medical event
|
