Smart Sense PPO Plans
Blue Cross of California
Smart Sense plans come Generic only option or
Brand name RX option (detail below)
Choice of deductibles: $2000, $3500, or $6000 (detail below)
Well priced for mid-level benefits. Will go away Jan 1st, 2014.
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 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
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).
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).
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
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