Additional Clarification on Payment Methods
Application Submission Options
Blue Cross accepts application submission through any of the following methods:
1. Online
Applications may be completed and submitted 24 hours a day, 7 days a week online. Click here to proceed with online application process. Submission is instantaneous, providing the applicant
with the fastest and most efficient method.
To benefit from the expedite the online submission process, the applicant should choose either the monthly checking accountautomatic premium payment or credit card option.
2. Fax
Completed applications may also be faxed to:
(619) 670-5026 or (310) 326-0257.
To benefit from the expedited fax submission process, the applicant should choose either the monthly checking account automatic premium payment or credit card option.
3. Mail
Include payment when you send in your application. Make your payment to: Blue Cross of California. Completed applications and payments may be mailed to:
Authorized Independent Agent
Robert Hawkins / Hawkins Insurance Agency
Application Processing
P.O. Box 42
Spring Valley, CA. 91976
* Applicants should ensure that one of the three payment options, monthly checking
account automatic premium payment, credit card or billing is indicated on their application. If an applicant chooses to be billed, at least one month’s premium in the form of a personal check must accompany the application.
NOTE:
When applicants send a check to Blue Cross, they authorize Blue Cross to convert the check into an electronic fund transfer. If an applicant is approved for coverage, the bank account will be debited for the amount indicated on the check. If an applicant does not qualify for coverage, the check will not be submitted for a fund transfer. The check will not be returned to the applicant.
To save time and speed up the process:
After submission we will be able to track the application through the system and advise you of its progress. When approved or approved with an offer of a different tier we will notify you as soon as we find out. Once approved you will receive a notification of approval along with your subscriber number. A few days later you should receive your policy in the mail.
You have a period of time to review the policy if you do not want it you must decline the policy within the 30 day period or you will not get your money back for the first months premium. In most cases this is not an issue because you would not have made application if you did not want the coverage. If you are paying monthly you will receive a bill very quickly because the next month’s premium is due.
How to Choose a Plan
Choosing The Right Health Plan For You
Blue Cross of California offers a broad range of health plans, varying costs, levels of health coverage, and accessibility to health care. These are important considerations for helping you identify which plan is right for you.
Your Plan Type and Access to Health Care
The plan type you choose will determine how you select and access health care services. In general, the wider your choice of doctors and hospitals, the higher your costs will be in terms of premiums and/or levels of health care coverage.
Preferred Provider Organization (PPO) Plans
The PPO Plans offer you the most flexibility in your choice of doctors and hospitals (providers). PPO Plans provide coverage (at different levels) for services from both Participating and Non-Participating Providers. Please see he PPO Plan section of this brochure for definitions of these and other terms related to PPO Plan Coverage.
Questions to Help you Qualify
Questions to help you qualify your choice for Blue Cross Health Care
1. Price — What are the monthly premiums for each plan? What can you afford?
2. Features — What health care services does each program cover?
3. Cost-sharing — What would be your share of the cost for these services?
4. Access — Is it important to you to see any doctor you want or are you willing to trade that flexibility for some other benefit?
Common Terms & Definitions
Deductible - the amount you pay each year for covered services before your plan begins paying part of the cost.
Out-of-Pocket Maximum - The maximum amount for qualifying covered services you would have to spend in any one year, including your deductible, before your plan pays 100% of your covered costs for most services.
PPO and HMO Plan Selections
Our Plan Types
For complete rate information, click here for Easy Guide to the Rates.
RightPlan PPO 40 Plans
The Blue Cross RightPlan PPO 40 Plans provide first-dollar coverage (no deductible) for doctor visits, preventive care, hospital stays and other covered medical services. The plans offer a choice of prescription drug coverage: generic only, generic and brand name or no drug coverage.
Click here for RightPlan PPO 40 Plan Brochure 
3500 Deductible PPO Plan
The Blue Cross 3500 Deductible PPO Plan provides 100% coverage for most services after the deductible is met, along with affordable monthly premiums.
Click here for 3500 Deductible PPO Plan Brochure
PPO 3500 (HSA-Compatible) Plan
Like the Blue Cross 3500 Deductible PPO Plan, the Blue Cross PPO 3500 (HSA-Compatible) Plan provides 100% coverage for most services after the deductible is met, along with affordable monthly premiums. In addition, it is a qualified high-deductible health plan, which is required when establishing a Health Savings Account (HSA).
Click here for PPO 3500 (HSA-Compatible) Plan Brochure
PPO Share Plans
The Blue Cross PPO Share Plans all cover the same comprehensive package of health care services. The difference is in the deductibles, coinsurance amounts and annual out-of-pocket maximums. Blue Cross offers a variety of PPO Share Plans so that you can more precisely choose the best pricing options for you.
Click here for PPO Share Plans Brochure
Basic PPO and PPO Saver Plans
The Basic PPO and PPO Saver Plans (BC Basic PPO 1000/2500 and PPO Saver - Brochure)offer in-hospital and surgical coverage with low affordable monthly premiums. These plans are designed to protect against great financial losses due to unexpected illness or injury. Both plans offer limited coverage for professional services; however, for a slightly higher premium, the PPO Saver Plan provides more covered professional services.
Click here for Basic PPO 1000/2500 and PPO Saver - Brochure
Individual HMO Plan
The Blue Cross Individual HMO Plan provides extensive coverage with low out-of-pocket costs for covered health care services you received only from HMO Network doctors and hospitals.
Click here for HMO, HMO Saver and Individual HMO Brochure
Select HMO Plan
The Blue Cross Select HMO Plan provides extensive coverage with lower premiums and low out-of-pocket costs for covered health care services you receive from doctors and hospitals in the Select HMO Network. The Select HMO Network is available in 22 California counties.
Click here for HMO, HMO Saver and Individual HMO - Brochure
HMO Saver Plan
The Blue Cross HMO Saver Plan provides the same coverage as the Individual HMO Plan, but has a deductible amount for services you receive from hospitals and other health facilities to keep the premiums lower.
Click here for HMO, HMO Saver and Individual HMO - Brochure
Selecting a Plan Type
Use the statements below to help determine that plan type best meets your coverage needs.
- I want more control over my health care and access to any doctor or specialist I choose…………….PPO Plan
- I need a lower monthly premium so I’m willing to pay more for my health care services as they occur through out the year……………….PPO Plan
- I want to pay as little as possible when I see a doctor, so I’m willing to select a specific medical group and physician to coordinate all of my health care needs…………HMO Plan
- I’m willing to pay higher premium up front so that my costs for health care services are lower as they occur throughout the year………..HMO Plan
Customize Coverage With FamilyElectSM
If your family members have varying coverage needs, you can select a different plan (PPO or HMO) for each family member through the Blue Cross Family Elect program. This may help you design a program that works best for your family overall.
Web site and all contents © Copyright Hawkins & Hawkins 2006, All rights reserved.
California License Number: OB33276, 0655770
Webmaster: www.JWattsWebDesign.com
