Blue Shield of California is an independent member of the Blue Shield Association, a not-for-profit health plan dedicated to providing Californians with access to high-quality health care at a reasonable price. Founded in 1939, Blue Shield of California's 70+ year history is distinguished by innovations that have changed the face of health care and made Blue Shield of California a prominent force in the California health care market. Blue Shield of California has one of the largest health care provider networks. Blue Shield of California's HMO plan members have access to more than 29,000 doctors and 300 hospitals, and Blue Shield of California PPO plan members have access to more than 45,000 doctors and 350 hospitals. Blue Shield of California continues to receive many awards for industry-leading programs and services. True to their not-for-profit heritage, Blue shield of California's community involvement is essential to building enduring, positive relationships with the people they serve.

Over 3.2 million people rely on Blue Shield of California for their health insurance needs.

Compare Blue Shield of California plans and affordable rates.

Blue Shield of California has an extensive product portfolio, including health insurance plans for individuals, families and seniors, Health Savings Accounts, and short-term health plans. They also offer group health insurance coverage for businesses.

If you're looking for health coverage, take a look at Blue Shield of California PPO and HMO plans. As a Blue Shield health plan member, you'll also have the option of adding dental and life insurance coverage.

Blue Shield of California Individual and Family Health Plans

Whether you are self-employed, not covered under a group plan, not satisfied with your employer group plan, or between jobs, an Individual health care plan can protect your health, as well as your finances. Even if you’re healthy right now, you never know what the future holds. And if you wait until you become ill or injured, you may not qualify for coverage.

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Blue Shield of California Individual PPO (Preferred Provider Organization) Health Plans

Advantages of Blue Shield of California PPO health plans include:

• Freedom to visit Blue Shield preferred or non-preferred doctors and specialists
• The ability to go to any Blue Shield network specialist without a referral
• Choice of Blue Shield plans with, or without a medical plan deductible
• When Blue Shield network providers are used, you will have lower out-of-pocket expenses versus using non-network providers
• Ability to establish a Health Savings Account with Blue Shield of California - Shield Spectrum PPO Savings Plans

Vital Shield

Protect yourself with Blue Shield of California's lowest priced PPO plans for individuals.
Blue Shield of California - Vital Shield plans (Underwritten by Blue Shield of California Life & Health Insurance Company) cover you in case of hospitalization, surgery or other major medical events, and offer basic benefits with a choice of affordable deductible options. They include copayments for an office visit and generic drugs, before having to meet the deductible.

Vital Shield Plan Features:

• Lower monthly rates
• Affordable annual deductible options
• You're covered at 100 percent after you meet the copayment maximum
• Low copayments for generic prescription drugs at Blue Shield of California network pharmacies
• Two annual office visits (copayment required), which can be used for preventive care or medical treatment prior to meeting the
  deductible
• One of California's largest PPO provider networks, so it's easy to find a doctor you want
• Blue Shield of California's knowledgeable customer service representatives ready to help you and answer your questions

Is a Blue Shield of California - Vital Shield plan right for you?

Blue Shield of California's lowest priced PPO plan options offer you affordable and simplified coverage and protect you in case of major medical events, such as hospitalization. These plans are available for individuals only and are limited to basic benefits, so that you don't pay for services you don't expect to use. Blue Shield of California - Vital Shield plans don't include maternity care or brand-name drug benefits.

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Vital Shield Plus

Blue Shield of California - Vital Shield Plus plans (Underwritten by Blue Shield of California Life & Health Insurance Company) provide the vital health coverage you need with a range of deductible options and low office visit copayments. And with no maternity coverage and generic prescription drug coverage options, you aren't paying for services you don't expect to use.

Blue Shield of California - Vital Shield Plus Plan Features:

• A variety of annual deductible options
• 5 calendar-year office visits for preventive care, before you have to meet the deductible, so you will get the care you need in case
  of injury
• Generic prescription drug coverage at network pharmacies for a low copayment, right away, before you have to meet a
  deductible
• 100% coverage after you meet the coinsurance maximum
• Carry-over deductible feature - If you do not meet your annual medical deductible in a calendar year, you can "carry-over" the
  amount accrued, from October to December of that year, and apply it towards your annual medical deductible for the following
  year

Is a Blue Shield of California - Vital Shield Plus plan right for you?

Blue Shield of California's - Vital Shield Plus plans offer you and your family the same coverage as Blue Shield of California's - Vital Shield plans plus a lower deductible option, plus brand or generic prescription drug options, plus lower office visits and preventive care copayments.


Essential Plans

Blue Shield of California - Essential Plans (Underwritten by Blue Shield of California Life & Health Insurance Company). These Blue Shield of California PPO plans for individuals are among the lowest-cost options, limiting the total annual amount you spend on copayments and deductibles, and make getting the coverage you need simple by combining medical, dental, and vision all in one plan at no added cost. You get the essential coverage you need.

Blue Shield of California - Essential Plan Features:

• Comprehensive coverage, including medical, dental, and vision care
• Affordable monthly rates
• Manageable out-of-pocket medical costs. Your copayment maximum equals the deductible, and your eligible plan benefits are
  covered at 100% after the deductible is met
• Affordable copayments for preventive care
• Choice of three annual deductibles
• One of the largest PPO provider networks in California, so it's easy to find the doctor you want

Is a Blue Shield of California - Essential plan right for you?

Blue Shield of California's - Essential Plans provide coverage for predictable, and unpredictable events. You know you don't want to spend a lot on monthly rates, but you realize dental and vision are important to your overall health and well-being. That's why Blue Shield of California's Essential plans provide the affordable quality coverage you need while limiting your possible out-of-pocket costs. The plans are available for individuals only and don't include maternity care or brand-name drug benefits.

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Active Start Plans

Blue Shield of California - Active Start Plans (Underwritten by Blue Shield of California Life & Health Insurance Company) offer a steady meld of cost and comprehensive benefits for active individuals who want coverage in case of a serious medical event, but also want to get value right away to take care of their day-to-day healthcare needs, with no annual medical deductible.

Blue Shield of California - Active Start Plan Features:

• Two plans with generic-only prescription drug coverage options to help save costs
• Affordable coverage for individuals
• One of California's largest PPO provider networks, so it's easy to find the doctor you want
• No medical deductible to meet, so your coverage starts immediately
• Low copayments for preventive care office visits
• Benefits for alternative care such as chiropractic and acupuncture

Is a Blue Shield of California - Active Start plan right for you?

Blue Shield of California - Active Start plans have no medical deductible, low generic drug copayments, and low copayments for office visits and preventive care. The economical Active Start plans offer individual coverage only and do not provide maternity benefits.

Balance Plans

Blue Shield of California - Balance Plans (Underwritten by Blue Shield of California Life & Health Insurance Company) offer a sensible balance of comprehensive benefits with relatively low deductibles. These PPO plans provide coverage for preventive care, doctor's office visits, generic prescription coverage, and ER care right away, before you meet your deductible.
Blue Shield of California - Balance Plan Features:

• A variety of deductibles
• The plan's copayment/coinsurance maximum includes your medical deductible, so you'll pay only up to the
   copayment/coinsurance maximum in a calendar year.
• Doctor's office visits and preventive care are provided for a fixed copay before you need to meet the deductible
• Low copay for generic drugs
• One of the largest PPO networks in the state of California, so it's easy to find doctors and hospitals
• Includes benefits for chiropractic care and acupuncture

Is a Blue Shield of California - Balance plan right for you?

You have a family and want the balance of solid coverage with a relatively low deductible and rates. You're reasonably healthy and want the benefits of acupuncture and chiropractic visits. All Blue Shield of California - Balance plans provide the same copayments, so you can choose which deductible amount best suits your needs.

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Shield Spectrum PPO Plans

Blue Shield of California - Shield Spectrum PPO Plans (Underwritten by Blue Shield of California Life & Health Insurance Company) offer five deductible levels that make it easy and affordable to get the health care you need. You'll enjoy a wide range of benefits, your choice of providers and some services with fixed copayments before meeting your deductible.
Blue Shield of California - Shield Spectrum PPO Plan Features:

• Many services are covered before you meet the annual deductible
• Coverage for preventive care, prescription drugs, hospitalization and more
• A range of deductible options
• Maternity benefits
• Preventive care benefits for a fixed copayment before you meet your health plan deductible
• Prescription generic drug benefits at participating pharmacies before you meet your brand-name drug deductible
• One of California's largest PPO provider networks, so it's easy to find a doctor or hospital you want

Is a Blue Shield of California - Shield Spectrum PPO plan right for you?

Blue Shield of California - Shield Spectrum PPO plans make it easy to visit the doctors and specialists you want while offering a wide variety of deductible options to meet your needs. When you receive care from Blue Shield PPO network providers, your out-of-pocket costs are always less.

Shield Spectrum PPO Savings Plans

Blue Shield of California - Shield Spectrum PPO Savings Plans (Underwritten by Blue Shield of California Life & Health Insurance Company) offer you a wide range of monthly rates, calendar-year deductibles, and benefits. In addition, these six high-deductible PPO health plans are compatible with a Health Savings Account (HSA), which offer you easy access to quality care and protection against major healthcare expenses.

Blue Shield of California - Shield Spectrum PPO Savings Plan Features:

• Can be paired with an HSA, allowing you to contribute pre-tax dollars, which you can use to pay for qualified medical expenses
• Choose from a wide range of deductibles
• Preventive care is provided for a fixed copayment before meeting any deductible
• Get prescription drugs at a low contracted rate at participating pharmacies
• No copay for covered prescription drugs once you meet the out-of-pocket maximum
• The family deductible can be met by any family member or combination of family members. Once the family deductible is met, all
  remaining covered family members will have met their deductible
• One of California state's largest PPO networks, so it's easy to find doctors and hospitals
• Maternity benefits and well-baby care with no waiting period available on some plans 

Is a Blue Shield of California - Shield Spectrum PPO Savings plan right for you?

Interested in a health plan that will help you save money on your tax bill? Blue Shield of California's - Shield Spectrum PPO Savings plans are Health Savings Account (HSA) compatible health plans. HSAs are personal savings or investment accounts that you combine with a high-deductible health plan. You contribute pre-tax dollars to your HSA, and withdrawals used to pay for qualified medical expenses, including your insurance deductible, coinsurance or co-payments are federally tax-free. Depending on which HSA you choose, you can decide how much to contribute, what investments to make, and how much to use for medical expenses.


Blue Shield of California Individual HMO (Health Maintenance Organization) Health Plans

Blue Shield of California - HMO (Health Maintenance Organization) plans are often selected by people who go to the doctor frequently. They offer a predictable, cost-efficient way to manage your health care. Before having to meet a deductible, you'll have easy access to a wide range of routine and preventive care services for a small copayment.

Blue Shield of California HMO plans include:

• Preventive care services for a small copayment
• Lower out-of-pocket expenses
• No lifetime maximum on plan benefits
• Lower office visit copays
• Lower hospital deductibles
• Virtually no claim forms
• One of the largest HMO networks in California
• Maternity benefits

Blue Shield of California - HMO plans allow you to choose a personal physician from an extensive network. Office visits with your personal physician are covered with a small copayment. You can also visit a participating specialist within your personal physicians medical group without a referral.

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Blue Shield of California Dental Plans

Blue Shield of California offers both PPO and HMO dental plans. Blue Shield of California individual plan members automatically qualify dental coverage. Blue Shield of California can be your single source provider for both medical and dental coverage. Your monthly dues are combined into one easy-to-read statement.

Dental PPO Plan features:

• Access to an extensive network of general and specialty dentists
• A wide range of dental services, including diagnostic and preventive services at no charge
• No waiting period for diagnostic or preventive services

Dental HMO Plan features:

• No deductibles and no calendar year maximums
• A wide range of dental benefits, including most diagnostic and preventive services at no charge to you
• Specialty care available with a referral from your dental provider
• Virtually no claim forms

Get a Dental Insurance Quote and Apply Now!

Serving California, Blue Shield of California is an independent member of the Blue Shield Association.

The Blue Cross and Blue Shield Association is an association of independent, locally operated Blue Cross and Blue Shield Plans. Blue Cross and Blue Shield Association official websites are: BlueCross.com, BlueCrossBlueShield.com, and BlueShield.com.