California ClearProtection Insurance Plans
The ClearProtection Health Insurance Plans are a new health insurance plan family that has been introduced recently by Anthem Blue Cross of California as their low-cost solution. ClearProtection offers affordable PPO style coverage, allowing participants to choose their own doctors from a large list of participating providers.
Get a ClearProtection health insurance quote from Anthem now.
Premiums are kept low on this health insurance plan by offering a high deductible for individuals and for a family. The high deductibles may seem very high for a family, but the premium savings are very significant.
How ClearProtection Insurance Works
The Clear Protection insurance plans offer affordable coverage with immediate benefits for up to two doctors' visits. Another feature is that it covers childhood immunizations and preventive care with the deductible waived after the member is on the plan for six months.
How ClearProtection Deductibles Work
There are three plan options for Clear Protection: $1,000, $3,300 and $5,000. There are two deductibles:- inpatient, outpatient surgical and emergency room services and
- outpatient professional services.
Deductible for Inpatient, Outpatient Surgical and Emergency Room Services ($1,000, $3,300 or $5,000)
The member pays 100% of the negotiated rate until the deductible is met. Once the deductible is met, member pays 40% coinsurance on covered services until the out-of-pocket maximum is met. Once the out-of-pocket maximum is met, member pays 0% coinsurance on covered services for the remainder of the year.
Deductible for Outpatient professional services ($4,500, $6,800 or $8,500)
The member pays 100% of the negotiated rate until the deductible is met. This deductible equals the total out-of-pocket maximum, so once this deductible is met, member pays 0% coinsurance on covered services for the remainder of the year.
Clear Protection Prescription Drug Coverage
ClearProtection health insurance plans from Anthem Blue Cross also provides coverage for generic medications, along with a limited brand formulary. The plan saves you money because generic is much cheaper and saves a considerable amount of money on prescriptions. Those cost savings are in turn passed on to the consumer, allowing the premium rates to be lower and making the plan more affordable to a greater percentage of uninsured California residents.
Another way the Anthem Blue Cross Clear Protection plan keeps premiums low is by not offering coverage for maternity care. One of the factors that has driven premium costs higher year after year is the fact that many states mandate certain coverage, including maternity care. This forces men, and women who are past their child bearing years, to bear the costs associated with the maternity care of other program participants. By agreeing to forgo such coverage, participants in the Clear Protection plan can enjoy lower premiums and more predictable health care costs.
Other great individual and family health insurance plans:
SmartSense Health Insurance Plans
Lumenos HSA Insurance Plans
