What are the differences between Blue Shield's PPO plans?

Each of the five Shield Spectrum PPOSM plans provides a wide range of benefits, a choice of providers and many fixed copayments before meeting the deductible. In general, Shield Spectrum PPO plans with lower deductibles have higher monthly dues/premiums. Shield Spectrum PPOSM Savings Plans, our high-deductible health plans that are compatible with a Health Savings Account, can help meet essential healthcare needs, and are often selected by people who go to the doctor occasionally. Our EssentialSM Plans* are individual-only plans that offer a calendar year out-of-pocket maximum that is met when the deductible is satisfied. Active StartSM Plans* are affordable plan options that combine no medical plan deductible with lower generic drug copayments and low copayments for office visits and preventive care. Active Start, Vital ShieldSM 2900 and Essential plans provide individual-only coverage and do not provide maternity benefits. Shield Spectrum PPO Savings Plan 4000/8000 does not provide maternity benefits.