Page 9 - Sea Dwelling EE Guide 01-20

Blue Shield | HMO Plans
With the HMO plans, you must choose a primary care physician (PCP) or medical group within the network. All of
your care must be directed through your PCP or medical group. Any specialty care you need will be coordinated
through your PCP and will generally require a referral or authorization. You will receive benefits only if you use the
doctors, clinics, and hospitals that belong to the medical group in which you are enrolled, except in the case of an
emergency.

Five HMO plan options are available:
• Option 1: Silver Trio 2350/65 HMO
• Option 2: Gold Trio 1500/35 HMO
• Option 3: Gold Trio 500/35 HMO
• Option 4: Gold Access+ 1500/35 HMO
• Option 5: Gold Access+ 500/35 HMO

Blue Shield | PPO Plans
The PPO plans allow you to direct your own care. If you receive care from a physician who is a member of the
network, a greater percentage of the entire cost will be paid by the insurance plan. However, you are not limited to
the physicians within the network and you may self-refer to specialists. If you obtain services using a non-network
provider, please note that you will be responsible for the difference between the covered amount and the actual
charges, and you may be responsible for filing claims.

Two PPO plan options are available:
• Option 6: Silver Full 2300/45 PPO
• Option 7: Gold Full 500/30 PPO

Finding a Medical Provider
Go to www.blueshieldca.com.
• Options 1-3: Refer to the “Trio ACO HMO” network.
• Options 4-5: Refer to the “Access+ HMO” network.
• Options 6-7: Refer to the “Full PPO” network.

Educational Video
Health Insurance Terms
http://video.burnhambenefits.com/terms