Clear Protection Health Insurance Plans

A Look at the New ClearProtection Health Insurance Plan from Anthem Blue Cross

Clear Protection - Affordable Health insurance Plans

Is Clear Protection Right For You?

There has been a lot of talk in recent months about the so-called “public option.” So much in fact that a number of private health insurance companies have started to look for ways to make their individual health insurance plans more affordable and more flexible. While the majority of Americans still receive their health care benefits through their employers, there are a growing number of self-employed individuals and small business owners who must turn to the individual market to purchase the health insurance coverage they need.

Until recently, those individuals faced limited options and high costs, but the tide may finally be turning. Spurred on in part by the debate over national health care and health insurance reform, a number of leading names in the health insurance industry, including Anthem Blue Cross of California, are offering more affordable plans to the self-employed, the small business owner, and the uninsured.

The Clear Protection plans have just been introduced by Anthem Blue Cross of California as their answer to the public option. These plans offer PPO style coverage, allowing participants to choose their own doctors and have access to 80,000 PPO doctors and more than 315 hospitals throughout the state. Anthem Blue Cross even provides a powerful and user friendly lookup tool plan participants can use to find general practitioners, family physicians, specialists, urgent care centers, and hospital facilities across the state and across the country. Visit the Blue Cross PPO Prudent Buyer Network.

The ClearProtection Plus plans provide immediate benefits for your first two doctor visits at a $40 co-pay (deductible waived).  For preventive care services including well-child care, immunizations, PSA screenings, pap tests, mammograms and more, you pay 0% coinsurance (not subject to deductible).  In addition to these benefits, you can even visit a HealthyCheck Center.  These facilities provide annual preventive screenings (for ages 7 and older) at no cost to you.  For more information go to www.Anthem.com/healthycheck

The ClearProtection Plus plans offer different levels of prescription drug coverage.  Depending on the plan, you may have generic only prescription drugs or generic and brand drugs.  

Another feature of the Clear Protection plans that many shoppers will like is the premiums are guaranteed for 12 months (for new members only).  With the rate of health insurance inflation far surpassing the rate of general inflation for the past couple of decades, this option provides important protection for those shopping in the individual health care market.

Another way the Anthem Blue Cross Clear Protection plans keep premiums low is by not offering coverage for maternity care. One of the factors that has driven premium costs higher year after year is the fact that many states mandate certain coverage, including maternity care. This forces men, and women who are past their child bearing years, to bear the costs associated with the maternity care of other program participants. By agreeing to forgo such coverage, participants in the Clear Protection plans can enjoy lower premiums and more predictable health care costs.

Emergency services are covered by the Clear Protection plans, subject to a 40% co-payment (after the annual deductible) plus a $100 emergency room co-payment. However, the co-payment charge is waived if the patient is admitted to the hospital for inpatient care. This emergency room provision is also designed to lower costs by encouraging the intelligent use of emergency care and encouraging the use of less costly alternatives like urgent care centers and walk-in medical clinics.

The Clear Protection plans offered by Anthem Blue Cross represents an interesting new direction in the world of health insurance. By shifting more of the decision making process to policyholders, it holds down costs and makes individual health care coverage more affordable for the entire population.

Optional Dental and Life Insurance is also available (at additional cost).

Affordable, Sensible Health Insurance Solutions with three deductibles to choose from 5000, 3300 and 1000.

Apply for Anthem Blue Cross of California Affordable Clear Protection plans today!

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Anthem Blue Cross of California