The Anthem Blue Cross of California HSA Compatible 4500 family EPO medical insurance plan is well priced and has a reasonable deductible and out of pocket maximum. Further, the health plan covers maternity expenses and may be the best HSA buy that California Blue Cross offers. One Important limitation of this medical insurance plan is that it only provides a benefit when members use Anthem Blue Cross of CA preferred providers. The plan pays nothing, nada, zip, when members visit non-network doctors, hospitals, labs, durable medical equipment providers or anyone else not contracted as a preferred provider for this plan. So, be careful. That said, the premium for a family of four under age 50 in West Los Angeles is $565 per month or $6,780 per year. The family deductible “ where everyone contributes to the same deductible and prescription medicine also applies to the calendar year deductible “ is $4,500. The out of pocket maximum is $5,500, which includes the money spent towards the deductible. So, worst case, a family would pay $6,780 per year in premium and $5,500 in medical expenses for total exposure of $12,280. Keep in mind that this assumes that someone or many family members got sick enough to reach the out of pocket maximum of $5,500. If a family is comfortable obtaining medical treatment only from Anthem Blue Cross of California providers (no out of state providers, no non-preferred providers) then this may be a good inexpensive plan for that family. |
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California Health Insurance |
Group Health Insurance in California |
Health Savings Accounts | |
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