Blue Shield Spectrum 2000 PPO- Good Option with Maternity

California Health InsuranceCalifornia Health Insurance BlogUncategorizedBlue Shield Spectrum 2000 PPO- Good Option with Maternity

Blue Shield Spectrum 2000 PPO- Good Option with Maternity

Young women seeking to purchase health insurance that includes coverage for baby delivery (i.e., maternity coverage) should consider the Blue Shield Spectrum 2000 PPO plan.

This plan has a large deductible ($2,000) but also a low monthly premium (likely under $100 per month for people age 29 and younger.) Under this plan members only pay $45 for a doctor’s office visit – before having to pay the calendar year deductible.

Also, the plan allows members to purchase medications (Rx) prior to paying the $2,000 deductible. Generic medications cost only $10 with this plan. The plan also covers brand Rx with a $35 copayment following a separate $500 Rx deductible.

One potential problem with this plan is the high out-of-pocket maximum, or stop-loss, which is $5,000 PLUS the $2,000 deductible for a total of $7,000 per calendar year. So be aware that you have a high financial obligation under this plan should you experience a major medical illness or accident.

This may be a great plan for someone who wants a PPO plan, a low monthly premium, and benefits payable prior to satisfying a deductible. Also, the Blue Shield PPO network has many participating providers.

Click here to obtain an online California health insurance quote for the Blue Shield Spectrum 2000 PPO plan or call 800-746-0045.

2015-10-23T16:32:06+00:00 May 13th, 2006 |Categories: Uncategorized|