California health insurance  -  California individual health plans  -  Smart Sense PPO Plans

Blue Cross of California Smart Sense Plans


UPDATE:  The Anthem Blue Cross Smart Sense plans are no longer available since Jan 1st, 2014
The Equivalent plans would be on the Silver level on or off Exchange (Quote Below)


We have listed current Individual Family plans on the market which are priced well and the Smart Sense plans by Anthem Blue Cross are high on that list.


It's been a strong option for a while now and recent changes on the market have made it one of the benchmark plans to consider when running a quote.


Let's take a summary look at the suite of plans called Smart Sense.


Benefits below are based on in-network for eligible expenses.


We'll break down the core benefits and then discuss the options within Smart Sense both in terms of deductible and prescription.


You can always run your quote for plans equivalent to the Smart Sense here:


how to quote Covered California plans


Some people might still have grandfathered plans so let's look at the Smart Sense plan.

Smart Sense Office Visit Benefit


For office visit consultations, you get 3 copays at $30 per family member per calendar year.


Preventative benefits will be covered at 100% in network for eligible services separately from the 3 office copays.


The copays can be used for general practice doctors or specialists in-network.


After the first 3 copays, additional office visits will be subject to the main deductible.

Smart Sense Core Benefits


You have a choice of Smart Sense deductibles: $2000, $3500, and $6000.


This deductible is per person up to two per family. You then pay 30% until you hit the Out of Pocket Max of $3500.


Essentially, for big bills, you add the deductible of choice and the $3500 max per person (up to two in a family).


You can access the online application here:


How to apply for California obamacare

Smart Sense Prescription Coverage


The Smart Sense allows you to choose between a Generic option (has a brand deductible of $7500) or Upgrade RX option which has a lower brand deductible of $500.


Generics are available right away at $15 and brand (if available) splits between $40 for formulary or $60 for non-formulary brand.


You can get the full brochure when you run your Individual health quote by clicking on the Smart Sense plan name.


You'll see a link on the next page for "Plan Benefits" towards the bottom of the page.


The Smart Sense $3500 is usually the best value (within this suite or on the market in general) but you can compare your rates with our Smart Sense health quote.


Compare these plans with the Clear Protection $3300 and Health Net's Advantage Plans (which are priced really well).


Related Articles:
Current California health insurance planscape


You can run your Smart Sense Alternative Quote here to view rates and plans side by side from the major carriers...Free.

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