Affordable Health Insurance

SmileNet Dental Discount plan brochure

SmileNet gives you tremendous value at a very low price. SmileNet is not an insurance plan - it’s a simple, inexpensive Dental program from BC Life & Health Insurance Company that helps you save 15-50% on Dental services and provides access to most of the dentists in our Dental PPO network. If you’re a health-conscious person wanting quality Dental care and low Dental care expenses, SmileNet is for you! It’s also an ideal option if you don't have Dental coverage through your job or if you find that traditional Dental insurance is too expensive. You can buy SmileNet alone or with one of our Medical plans. If you already have one of our Medical plans (but not our Dental coverage), you can join SmileNet at any time
 
Plan Details

Dental Blue plan brochure

You have choices

Dental Blue 100 Basic provides 100% in-network coverage for cleanings and X-rays -- and with no waiting periods. Certain Basic Services are covered at 80%.
While this is the lowest priced plan, there's no coverage for Major Services.

Dental Blue 200 Essential also provides 100% in-network coverage for cleanings and X-rays. With this plan, all Basic and Major Services are included, although waiting periods apply. Also, coverage for Basic and Major Services is based on a fee schedule, so your out-of-pocket costs may be higher than with a co-insurance plan.
 
Plan Details

Dental PPO plan brochure

With Blue Cross Dental PPO coverage, you'll enjoy access to one of the largest networks of dentists and specialists, and you’ll feel secure knowing that it will help cover the cost of both routine visits and more expensive procedures.
By making good oral health part of your daily routine, you can improve your quality of life, self-confidence and appearance … it might just leave you beaming
 
Plan Details

Saver SelectHMO, SelectHMO, and Premier SelectHMO plans brochure

Blue Cross Dental HMO coverage gives you the comprehensive, quality coverage you want from an industry-leading company you can trust. So give yourself the rewards of good dental coverage … because your smile is a reflection of you.
 
Plan Details

HMO Saver plan brochure

. Comprehensive HMO coverage
. $1,500 medical deductible for hospital and emergency services helps keep monthly premiums lower
. Brand-name and generic prescription drug coverage
. Maternity benefits
 
Plan Details

Individual HMO plan brochure

. Comprehensive HMO coverage
. Immediate, no-deductible benefits
. Brand-name and generic prescription drug coverage
. Maternity benefits
 
Plan Details

Select HMO plan brochure

. Exclusive network of doctors and hospitals in 22 California counties
. Comprehensive HMO coverage with Lower monthly premiums
. Immediate, no-deductible benefits
. Brand-name and generic prescription drug coverage
. Maternity benefits
 
Plan Details

3500 Deductible PPO (HSA-Compatible) plan brochure

. Gives you the opportunity to combine a tax-advantaged health savings account (HAS) with your health plan
. Simple, comprehensive coverage - just meet your medical deductible and then pay $0 for most covered services in-network
. Brand-name and generic prescription drug coverage
. Combined medical/pharmacy deductible - so your payments for prescription drugs apply toward your deductible and out-of-pocket maximum
. No maternity benefits
 
Plan Details

The Lumenos HSA plan brochure

When you enroll in the Lumenos HSA plan, you'll get:

Health Savings Account (HSA)
An account funded by your tax-free contributions to use on qualified medical expenses and prescriptions. Others may also contribute to your HSA. Qualified medical expenses are defined by Internal Revenue Code Section 213(d).
You may use available HSA funds first to pay the cost of covered medical expenses and prescriptions.
Unused funds rollover year-to-year.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Plus, get 100% coverage for nationally recommended preventive care services with no deduction from your HSA and no out-of-pocket costs to you if you see an in-network provider.
 
Plan Details

3500 Deductible PPO plan brochure

. Simple, comprehensive coverage - just meet your medical deductible and then pay $0 for most covered services in-network
. One of our lowest out-of-pocket maximums
. Brand-name and generic prescription drug coverage
. No maternity benefits
 
Plan Details

Basic PPO 1000/2500 plan brochure

. Basic (mainly catastrophic) coverage for hospitalization and emergency services
. Choice of $1,000 or $2,500 medical deductible
. Doctors' office visits are covered once you meet your out-of-pocket maximum
. No prescription drug benefits
. No maternity benefits
 
Plan Details

Core 5000 plan brochure

. Blue Cross' lowest monthly premiums
. Immediate benefits for preventive care
. You pay only a percentage of the Blue Cross negotiated fee for inpatient and outpatient hospital services as well as emergency services, once you meet your deductible
. Doctors' office visits are covered once you meet your out-of-pocket maximum
. Immediate generic drug benefits
. No maternity benefits
 
Plan Details

RightPlan PPO 40 plan brochure

Simple, immediate benefits (including doctors' office visits) with no medical deductible
Choice of prescription drug benefits (Comprehensive Rx, Generic Only Rx or No Rx),
No maternity benefits.
 
Plan Details

PPO Saver plan brochure

. Basic (mainly catastrophic) coverage for hospitalization and emergency services
. Two separate medical deductibles: $500 for hospital/emergency services and 5,000
. for other covered services
. Immediate benefits for 4 doctors’ office visits for children and 2 for adults
. Brand-name and generic prescription drug coverage
. No maternity benefits
 
Plan Details

PPO Share Plans brochure

. The most comprehensive Blue Cross PPO coverage - simply choose the medical deductible/monthly premium combination that works for you
. Immediate benefits for doctors' office visits
. Brand-name and generic prescription drug coverage
. Maternity benefits
 
Plan Details

SmartSense plan brochure

. Reliable, basic protection with some of our lowest monthly rates
. Choose the annual deductible/monthly rate combination that works for you
. Immediate benefits for first three visits to a doctor
. Choice of prescription drug benefits (Comprehensive Rx or Generic Only Rx)
. No need for maternity benefits
. Health Plan pays up to $7,000,000 per member in lifetime benefits
 
Plan Details

The Lumenos HIA plan brochure

When you enroll in the Lumenos HIA plan, you'll get:

Health Incentive Account (HIA)
Earn Healthy Rewards dollars in your HIA to use on covered medical expenses and prescriptions.
Use available HIA funds first to pay for covered medical expenses and prescriptions.
Unused funds rollover year-to-year.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Earn Healthy Rewards* - money added to your account:
$50 for completing the Health Assessment
$100 for enrolling in the Personal Health Coach program
$100 for graduating from the Personal Health Coach program
$50 for completing the Smoking Cessation program
$50 for completing the Weight Management program
*Some eligibility requirements and limitations may apply for programs and incentives.
 
Plan Details

The Lumenos HIA Plus plan brochure

When you enroll in the Lumenos HIA Plus plan, you'll get:

Health Incentive Account (HIA) Plus
An account funded by the health plan each year to use on covered medical expenses and prescriptions.
Use your HIA funds first to pay for covered medical expenses and prescriptions.
Unused funds rollover year-to-year for most plans.
Unlimited choice of providers. If you see in-network providers, you may pay less for your care.
Plus, earn Healthy Rewards* - additional funds added to your account:
$50 for completing the Health Assessment
$100 for enrolling in the Personal Health Coach program
$100 for graduating from the Personal Health Coach program
$50 for completing the Smoking Cessation program
$50 for completing the Weight Management program
*Some eligibility requirements and limitations may apply for programs and incentives.
 
Plan Details

Blue Cross of California originally introduced Tonik plans to meet the special health insurance needs of young adults between 19-29 years old. Later it came apparent that Tonik plans can meet the health insurance needs of all healthy individuals between 0-65 years old that do not need maternity coverage. Tonik plans offer comprehensive medical plan with basic dental and vision coverage at very competitive prices. Currently Tonik is the best seller plan for Blue Cross of California. Tonik plans are offered in 3 versions:
 
Plan Details

Senior Dental PPO plan brochure

Senior Dental PPO Plan features affordable coverage for a wide range of dental procedures. And the freedom to choose any dentist!
Introducing the first Dental PPO Plan to be offered to individuals over 65 living in California!
 
Plan Details

Senior Dental Select HMO plans brochure

Three straight forward plans from which to choose
The Blue Cross Dental Saver SelectHMO, Blue Cross Dental SelectHMO
and Blue Cross Dental Premier SelectHMO plans offer the level of coverage (low, medium or high) you desire

. No waiting periods for preventative services
. No annual maximum
. More than half of the most frequently billed procedures are covered at a $5 per office visit fee
 
Plan Details

SmartValue plan brochure

What Can SmartValue offer you?

. Choice - Choose your own doctors
. Affordability - Pricing that fits your budget
. Reliability - Coverage from a health insurance carrier you can trust
. Service - A customer service team that puts you first
 
Plan Details

Freedom Blue PPO plan brochure

The BC Life & health Freedom Blue PPO Plan provides benefits for medically necessary:

. Doctor Office Visits
. Inpatient Hospital Services
. Emergency Care Services
. Ambulance Services
. Durable Medical Equipment
. Diagnostic Tests, including X-rays and Laboratory Services
 
Plan Details

Senior Secure plan brochure

Blue Cross of California's Senior Secure Plan provides benefits for medically necessary:

. Doctor Office Visits
. Inpatient Hospital Services
. Emergency Care Services
. Ambulance Services
. Durable Medical Equipment
. Diagnostic Tests, including X-rays and Laboratory Services
 
Plan Details

AdvantageCareSM plan brochure

. Blue Cross Senior Classic F Plan with a Home Health and Nursing Care Rider
. Additional benefits up to $36,500 for residential or nursing facility and home health care

For custom rate quote based on your specific information on Senior SmartChoice Preferred (High Deductible Plan F) plan Click here.
 

ClaimFree® Standard Plan A brochure

. Provides coverage for basic Medicare benefits
. Freedom to see any Medicare participating physician
. Does not cover the Medicare Part A or Annual Part B deductible

For custom rate quote based on your specific information on ClaimFree® Standard Plan A Click here.
 

Senior Classic C, F, I and J plans brochure

. Our most popular Medicare Supplement plans, which give you the freedom to use the doctor and hospital of your choice
. Covers Medicare Part A deductible and Medicare Part B deductible when using participating Prudent Buyer Providers

For custom rate quote based on your specific information on Senior Classic C, F, I and J plans Click here.
 

SmartChoice PLUS (High Deductible Plan F with Rider) plan brochure

. All the benefits of our SmartChoice plan plus
. Home health coverage and home support services
. Nursing Facility Care

For custom rate quote based on your specific information on Senior SmartChoice Preferred (High Deductible Plan F) plan Click here.
 

SmartChoice Preferred (High Deductible Plan F) plan brochure

. All the benefits of our SmartChoice plan plus
. Doctor's office visits for only $5
. Vision care and chiropractic benefits

For custom rate quote based on your specific information on Senior SmartChoice Preferred (High Deductible Plan F) plan Click here 

SmartChoiceSM (High Deductible Plan F) plan brochure

. Low monthly premium - high deductible plan
. Same benefits as Blue Cross Senior Classic F

For custom rate quote based on your specific information on Senior SmartChoiceSM (High Deductible Plan F) plan Click here.
 

Short Term PPO plans

What The Plan Covers

. Emergency care
. Hospitalization services
. Outpatient services
. Access to any doctor you want (you’ll save money “in-network”)
. Professional services including X-ray, lab and office visits
. Prescription drugs
. Ambulance ($1,000 benefit maximum)
. Accidental Death and Dismemberment coverage (AD&D) up to $50,000
. 24-hour medical information and resources through MedCall®
. $3,000,000 per member maximum lifetime benefit for medical
. BlueCard® gives you access to participating doctors and medical facilities throughout the U.S. These listings are an overview only
 
Plan Details