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Individual and Family Health Plans

Individual and Family Health Plans

Looking For A Plan to Fit Your Needs?

It’s simple to find just the right coverage to protect yourself and your family.

Our easy-to-understand portfolio offers comprehensive benefits and is designed to make it simple for you to find a health plan that fits your needs. Whether you’re looking for low monthly rates, doctor visits before reaching your deductible or a plan with both, Blue Shield offers affordable health plans for you.

Plus, to help you maintain your health, every individual and family health plan includes access to preventive care services at no additional charge, as well as a wide range of health and wellness resources.

Ultimate plan (Platinum)

Our Ultimate plan offers you the lowest out-of-pocket costs for medical services. There are no deductibles, so we start paying for covered benefits right from the start. By paying a higher monthly premium, you’ll pay less for medical services such as doctor visits, prescription drugs, and hospitalization.

Preferred plan (Gold)

Our Preferred plan offers exceptional coverage with manageable out-of-pocket costs, so it’s easier to predict additional expenses. There are no deductibles, so we start paying for covered benefits immediately, including popular benefits such as doctor visits, prescription drugs, and urgent care.

Enhanced plan (Silver)

Our Enhanced plan offers you affordable, comprehensive coverage without surprises. You’ll receive benefits like doctor visits and generic drugs prior to meeting a moderate deductible. Other services, such as hospitalization, are covered after you meet the medical deductible. By paying a little more when you use services, you’ll pay lower monthly rates.

Basic plan (Bronze)

With low monthly rates in exchange for a higher deductible and more out-of-pocket costs when accessing services, the Basic plan is a good choice if you want to know you’ve got the coverage you need when you need it most. Most services are subject to the medical deductible, but you’ll still receive important benefits like preventive care and three doctor visits for a fixed copayment before meeting the deductible.

Basic for HSA plan (Bronze level)

Our Basic plan for health savings accounts is perfect for those who want low monthly rates and to better manage their healthcare spending through a health savings account (HSA). With this HSA-compatible*, high-deductible health plan, you can prepare for future medical costs by contributing pre-tax money to your own savings account for healthcare expenses. You’ll even enjoy preventive care before meeting the deductible.

Get Covered plan (Catastrophic)

Get Covered is designed specifically for people under age 30, or those age 30 and over who can provide a certification that they are without affordable coverage or are experiencing financial hardship, and need to purchase a low-cost plan option. The plan carries a high deductible. Most services are subject to the medical deductible, but you’ll still receive important benefits like preventive care and three doctor visits for no additional cost before meeting the deductible.

Native American plans (all metal levels)

We offer Native American plans for each metal level that are available only to eligible Native Americans** through Covered California. These plans differ from the standard metal level plans in that they allow Native American members to access covered services from Native American providers for no out-of-pocket costs. Members can also choose to access covered services through a Blue Shield participating provider or non-network provider for an out-of-pocket cost.

In addition to the Native American versions of the standard metal level plans, there are also two Native American 300 plans (a PPO and an EPO option). These plans allow Native American members – who qualify based on household income – to access covered services from Native American providers, Blue Shield network providers – and with the PPO plan, even non-network providers – for $0 out of pocket.

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We'll respond within 30 minutes Monday to Friday, 8 a.m. to 5:30 p.m. PST, or the next business day for requests made at all other times.

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