HMO Health Insurance Information

Anthem Blue Cross HMO Plans

Health Maintenance Organization plans — HMO plans for short — offer comprehensive coverage with predictable expenses.

HMO plans are able to offer affordable healthcare by controlling the costs of elective care. In an HMO plan, your healthcare is organized by a primary care physician. This physician is responsible for your routine care and exams, and refers you to specialists when needed. HMO plans are cheaper than PPO plans, but have a smaller network of healthcare providers.
To take advantage of the coverage, you have to use providers within the plan’s network. This can be an inconvenience if your current doctor isn’t part of the network. But since Anthem Blue Cross has one of the largest network of doctors in California, finding a healthcare provider is easy. Anthem Blue Cross even has a Provider Finder to help you locate a healthcare professional near you.
Anthem Blue Cross HMO plans have low deductibles. And some of the plans have no deductible. Doctor visits have copayments as low as $10. And generic drugs only cost $10 a prescription, too.

Other HMO benefits:

• 80% coverage of inpatient hospital fees
• Maternity coverage — only a $10 copay for doctor visits
• Coverage for physical therapy and chiropractic services
• No charge for x-rays and anesthesia when related to a doctor’s visit

Because of the controlled costs, budgeting for your healthcare needs is easy. And if you choose an HMO plan with no deductible, you don’t have to pay out for your coverage to kick in.
While HMO plans aren’t as flexible as PPO plans, the savings and the predictability of expenses are worth it for most people and families. And if you or someone in your family has a pre-existing condition, an HMO plan could be your best option.

Anthem Blue Cross of California offers these HMO plans:

The Anthem Blue Cross of California HMO Saver
The Anthem Blue Cross Select HMO
The Anthem Blue Cross of California Individual HMO