Update: Effective 5/01/2012 The ClearProtection Plus 5000 will no longer be available to new applicants. However, the ClearProtection Plus 3300 and the ClearProtection Plus 1000 will still be available to new applicants.

Affordable Health insurance

The ClearProtection Plus plans offered by Anthem Blue Cross are some of the lowest priced Individual PPO health insurance plans available in California. These plans are very popular for those who rarely go to the doctor and for those who are looking to protect themselves from a major catastrophic event like hospitalization. This product line gives you the best of both worlds. It gives you the essential benefits you need at a very affordable price.

There are 3 ClearProtection Plus plans available. Choose between a $1,000, $3,300, or the $5,000 annual deductible. The higher your deductible, the lower your monthly payment will be.

One of the reasons why consumers prefer these plans is that the out of pocket maximum includes the annual deductible. With most other plans, you must add the annual deductible to the out of pocket maximum in order to determine what you could be responsible for if something catastrophic happened to you. Once the out of pocket maximum is met, most services will be covered at 100% for the duration of the calendar year. So depending upon the plan you choose, you could have an out of pocket of $4,500 (with the ClearProtection 1000 Plus), $6,800 (with the ClearProtection 3300 Plus) or $8,500 (with the ClearProtection 5000 Plus). Remember with an average daily hospital stay hovering around $10,000 per day, these out of pocket maximums are considered low.

These plans limit the number of office visits to 2 per calendar year at $40.00 per visit (not subject to your annual deductible). Thanks to healthcare reform laws, any preventive care visit that is preventive in nature is no charge. This would include any annual physical exam like a well child visit (including immunizations) an annual gynecological exam, mammogram or even a PSA test just to name a few.

This product line offers both generic and brand prescription drug coverage. A formulary drug list applies so it’s a good idea to check to see how your prescription drugs will be covered by this plan. Like most plans offering brand drug coverage, you will be subject to an annual brand drug deductible. In this case the plan has a separate $7,500 annual brand drug deductible. The plan includes generic drugs not subject to any deductible.

With access to over 80,000 doctors and more than 315 hospitals statewide, choosing a doctor or finding your doctor is simple. The Anthem Blue Cross Doctor Finder is just a click away.

The ClearProtection plans offered by Anthem Blue Cross offers just the right amount of protection at an affordable price.

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