| Blue Cross of California is part of
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| | HMO plans are able to offer affordable
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| largest health insurance provider in the
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| | healthcare by controlling the costs of
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| nation. It has been serving the health
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| | elective care. In an HMO plan, your
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| insurance needs of California residents
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| | healthcare is organized by a primary care
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| since 1937. Blue Cross of California,
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| | physician. This physician is responsible
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| together with its branded affiliates,
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| | for your routine care and exams, and
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| provides health care services to more
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| | refers you to specialists when needed.
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| than 6.8 million members. There is a
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| | HMO plans are cheaper than PPO plans, but
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| reason why Blue Cross is the largest in
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| | have a smaller network of healthcare
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| California. What you will find is
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| | providers.
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| coverage options that are easy to
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| | To take advantage of the coverage, you
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| understand, health plans to fit
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| | have to use providers within the plan's
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| everyone's budget, customer service that
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| | network. This can be an inconvenience if
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| is always there to answer your questions
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| | your current doctor isn't part of the
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| and one of the largest networks of
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| | network. But since Blue Cross has one of
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| doctors and hospitals. Blue Cross of
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| | the largest networks in California,
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| California offers four group of health
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| | finding a healthcare provider is easy.
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| plans, your standard PPO plans, HMO
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| | Blue Cross even has a Provider Finder to
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| health plans, Lumenos Plans and Short
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| | help you locate a healthcare professional
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| Term Health Plans.
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| | near you.
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| Preferred Provider Organization plans -
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| | Blue Cross HMO plans have low
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| PPO plans for short - save you money when
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| | deductibles. And some of the plans have
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| you use healthcare providers within a
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| | no deductible. Doctor visits have
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| selected network. Blue Cross has one of
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| | copayments as low as $10. And generic
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| the largest PPO networks in California,
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| | drugs only cost $10 a prescription, too.
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| with over 48,500 doctors and 465
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| | Other HMO benefits:
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| hospitals.
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| | - 80% coverage of inpatient hospital fees
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| By putting together this network of
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| | - Maternity coverage - only a $10 copay
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| healthcare professionals, Blue Cross is
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| | for doctor visits
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| able to ensure the quality of healthcare
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| | - Coverage for physical therapy and
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| services its members receive. It's also
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| | chiropractic services
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| able to negotiate the price those
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| | - No charge for x-rays and anesthesia
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| services will be given at - enabling it
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| | when related to a doctor's visit
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| to pass savings on to its members.
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| | Because of the controlled costs,
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| These plans are ideal for people with a
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| | budgeting for your healthcare needs is
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| family - or people about to start one.
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| | easy. And if you choose an HMO plan with
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| They offer coverage for you and your
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| | no deductible, you don't have to pay out
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| school-age children. They also offer
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| | for your coverage to kick in.
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| maternity benefits.
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| | While HMO plans aren't as flexible as PPO
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| Best of all, most of the services you and
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| | plans, the savings and the predictability
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| your family need immediately are covered
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| | of expenses are worth it for most people
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| before you have to start paying the
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| | and families. And if you or someone in
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| deductible. This includes preventive
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| | your family has a pre-existing condition,
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| care, doctor visits, and generic
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| | an HMO plan could be your best option.
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| prescription drugs.
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| | The new Lumenos plans from Blue Cross of
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| Some of the features of Blue Cross PPO
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| | California give you control over your
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| plans include:
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| | healthcare. That means you control where
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| - $10 copay on prescription drugs
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| | your healthcare dollars go. Nothing comes
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| - Maternity coverage
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| | between you and your doctor. And with the
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| - Flexible deductible options - as low as
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| | Lumenos Health Incentive Account plan,
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| $500
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| | Blue Cross will actually reward you for
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| - Coverage for physical therapy and
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| | making healthy decisions.
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| acupuncture
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| | Lumenos is a consumer-directed health
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| - Coverage for "Well Baby" and "Well
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| | plan. That means that instead of relying
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| Child" care
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| | on your insurance company to make health
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| The flexible deductible helps you budget
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| | decisions for you, you and your doctor
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| for your medical needs. The higher the
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| | are in control of your healthcare.
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| deductible you choose, the lower your
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| | Once you meet your deductible, the
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| monthly premiums.
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| | Lumenos plans include 100% coverage for
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| Like most PPO plans, the Blue Cross plans
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| | many healthcare needs, including visits
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| let you use a healthcare provider outside
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| | to your doctor, inpatient hospital
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| of the network, and still enjoy some
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| | services, prescription drugs, and
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| coverage. For most services, Blue Cross
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| | maternity care.
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| will still pay up to 50% of the cost of
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| | And like all health plans from Blue Cross
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| healthcare you receive outside the
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| | of California, the Lumenos plans include
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| network. But to get full coverage, you
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| | access to the award-winning Blue Cross
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| should choose a provider within the
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| | health management website. If you have
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| network. Blue Cross has a provider finder
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| | health questions, the Nurse Advice Line
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| to help you find a professional in your
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| | is just a phone call away - and available
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| area.
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| | 24 hours day. And the Personal Health
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| Health Maintenance Organization plans -
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| | Coach Program will give you assistance
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| HMO plans for short - offer affordable
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| | managing your special health needs.
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| coverage with predictable expenses.
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