subject: What Are The Beneficial Insurance Plans? [print this page] Health insurance has become a necessity in each life. There are many insurance companies out there but you need to choose the best company. Along with company you also need to choose the best health plan. One of the best plans is the blue shield health insurance. But what does a blue shield insurance means? It is a way of providing medical care to people who are very sick.
The blue shield California provides with many health plans. Always choose plans which are beneficial to you. The California blue shield also provides you an insurance of accidents, travel risk and polices for life. The blue shield serves health and other insurance to thousands and thousand of people. This is not just an insurance company but it also donates in earthquake disaster.
Blue shield health insurance:
These are for insuring your health. These are affordable even for middle class people. It is a kind of investment for protecting your family member. It covers more than 50 % of cost of accident or any big surgery. The benefit of health insurance is you don't have to pay the whole amount for the surgery.
Blue shield individual plans:
You can find many plans for individual like dental insurance, medical insurance, accident beneficial plan, lifetime plan, pension and retirement plan and many more. These plans are more expensive than the group plan. That's because here you pay only for individual where as you pay for the whole group.
Blue shield group plan:
The cost of this plan depends upon the age, gender and family member. This plan is lot cheaper than other plans. It covers the cost for your whole family. The member of this plan receives a beneficial certificate while applying. It almost covers all the medical and accident policies.
Blue shield HMO plans:
The full form of HMO is Health Maintenance Organization. These are also inexpensive plan. It covers your health care needs like medical check up, vaccines and other needs related to health. This doesn't have any claim forms but are restricted to use the hospitals and doctors provided in your plan.
Blue shield PPO plans:
PPO is other wise known as Preferred Provider Organization. This gives you a wider choice in choosing the doctors and hospitals. You can get negotiated fee rate for the insurance if you visit the California blue shield. This is more costly than HMO plan. The emergency room visits are also covered by this plan.
Essential Plan:
This plan is very convenient plan which covers all the health plans. The premium of this plan is very low but covers all the health needs. This plan is also affordable for a middle class person and it is good investment. The health plans covered by this plan are medical check up, dental, vaccines and also prescribed drugs by the doctor. You are allowed to see doctors and admit in hospital which is covered in this plan. If you see other doctor then you have to pay half the bill.
by: Sharma
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