Blue Shield offers both PPO and HMO health and dental plans. Each type of plan offers distinct advantages as noted below.
Select a plan family on the right for more details. |
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PPO Plans
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Advantages of PPO health plans include:
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- Freedom to visit preferred or non-preferred doctors and specialists
- Ability to establish a Health Savings Account with our Shield Savings Plans
- When network providers are used, you will have lower out-of-pocket expenses versus using non-network providers
- The ability to go to any network specialist without a referral
- Choice of plans with or without a medical plan deductible
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Advantages of PPO dental plans include:
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- An extensive network of nearly 20,000 general and specialty dentists in California
- Deductible of $25 and $50 per member per calendar year
- Enhanced dental services for pregnant women
- Diagnostic and preventive services at no charge
- Coverage even when you use an out-of-network dentist
- No waiting period for diagnostic or preventive services
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HMO Plans
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Advantages of HMO health plans include:
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- Lower out-of-pocket expenses.
- No lifetime maximum
- Lower office visit copays
- Lower hospital deductibles
- Practically no claim forms
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Advantages of HMO dental plans include:
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- No waiting periods for most services
- Access to over 8,600 dental care providers
- No deductibles
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