What else do you get? · Access to over 50,000 California PPO network doctors and specialists 400 hospitals - so chances are your doctor is one of ours · Money in your pocket - because we've negotiated lower fees with doctors and hospitals, your share of costs is less (a lot less) · Free health and wellness programs - designed to keep you as healthy · Out-of-state coverage - so you'll feel better wherever you are
Is SmartSense for you? · Reliable, basic protection with some of our lowest monthly rates · Choose the annual deductible/monthly rate combination that works for you · Immediate benefits for first three visits to a doctor · Choice of prescription drug benefits (Comprehensive Rx or Generic Only Rx) · No need for maternity benefits · Health plan pays up to $7,000,000 per member in lifetime benefits
Waiting Periods There is a specific six-month waiting period for coverage of any condition, disease or ailment for which medical advice or treatment was recommended or received within six months preceding the effective date of coverage. If you apply for coverage within 63 days of terminating your membership with another "creditable" health care plan, then you can use your prior coverage for credit toward the six-month waiting period. Blue Cross will credit the time you were enrolled in the previous plan. Consult with your Blue Cross agent or representative if you have a question about the underwriting process.
No-Obligation Review Period After you enroll in a plan offered by Blue Cross of California or BC Life & Health Insurance Company, you will receive a Policy/EOC booklet that explains the exact terms and conditions of coverage, including the plan's exclusions and limitations. You have 10 full days to examine your plan's features. During that time, if you are not fully satisfied, you may decline by returning your Policy/EOC booklet along with a letter notifying us that you wish to discontinue coverage. Policy/EOC booklets are available for you to examine prior to enrolling. Ask your agent or Blue Cross.
Now Available Just for Individuals and Families! SmartSense is a smart choice for you if this is what you want:
Low monthly rates
Full medical benefits
Four annual deductible options, ranging from $500 to $5,000
Immediate benefits for first three visits to a doctor
Choice of comprehensive or generic only prescription drug benefits
Access to our existing California PPO network
No maternity benefits
Up to $7,000,000 per member in lifetime benefits
What’s Different About SmartSense
Embedded (family) deductibles make it easier for families to satisfy deductible requirement:
Once any family member meets their single deductible, their deductible is satisfied
After one family member’s single deductible is satisfied, the family deductible can be met by one or more family members
Fourth quarter carry-over deductible feature
Separate in-network and out-of-network out-of-pocket maximums
No $500 per admittance charge for inpatient services or outpatient services related to surgery or infusion therapy at a participating hospital
Healthy Check and coverage for acupuncture and acupressure services are not included
SmartSense PPO is offered by Anthem Blue Cross Life and Health insurance Company. Anthem Blue Cross Life and Health Insurance Company is an independent licensee of the Blue Cross Association. ® ANTHEM is a registered trademark. ® The Blue Cross name and symbol are registered marks of the Blue Cross Association.
