California health insurance    California individual health plans    Smart Sense PPO Plans

Blue Cross of California Smart Sense Plans

Smart Sense plans from Anthem Blue Cross California have two RX options Smart Sense plans come Generic only option or Brand name RX option (detail below)
Smart Sense PPO plans have a choice of three deductibles in California Choice of deductibles: $2000, $3500, or $6000 (detail below)
Quote Smart Sense plans from Blue Cross of California Well priced for mid-level benefits.  Will go away Jan 1st, 2014.  (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.

Smart Sense Office VisitsSmart 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. 

California Smart Sense Core BenefitsSmart 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). 

Smart Sense RX OptionsSmart 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).

The Smart Sense and all current plans will go away Jan 1st 2014 with Health Reform changes.

Quote the Smart Sense Plans side by side here.

Related Articles:

Generic versus Brand RX health plans
Blue Shield of California March 2013 Rate Increase
New Health Net PPO plans in California
Current California health insurance planscape






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