Anthem Blue Cross of California



Anthem Blue Cross of California offers a variety of health care plans to meet the needs of individuals and families. Plans currently offered in California are listed below. To see detailed information about these plans, put your zip code above in our health insurance comparison shopping tool. There you can compare plan benefits and rates, get an instant personalized quote, and even apply online.

Since 1937, Anthem has provided health care coverage and security to its California neighbors. They offer one of the largest provider networks in California with over 82,000 PPO doctors and more than 370 hospitals state wide. Most likely your doctor and Anthem are partners. Anthem policies offer coverage that travels with you no matter where you go, and the BlueCard program makes it easy to access providers throughout the country.

Network Discounts

With Anthem Blue Cross you have access to one of the largest networks in the state. These providers have agreed to accept lower costs for their covered services to Anthem members – similar to volume discounts. These negotiated costs help reduce the overall cost of covered medical services, including your share of those costs.

Individual Plan Choices from Anthem

Below is a list of the major plans offered by Anthem Blue Cross and one can plainly see there is an overwhelming amount of choices for the discriminating shopper. They even have an HMO on the individual side which we believe might even be the best value in the state.

Premier Plus
PPO plan with the highest level of medical benefits offered

  • Robust benefits for both routine and unexpected medical care
  • Options include an unlimited number of doctors’ office visits for various covered services. You will be responsible for a predictable copayment, even if you haven’t satisfied your deductible.
  • Annual vision screening exam with copayment.

SmartSense® Plus
Covers the essentials and more at some of our lowest monthly rates

  • Choose from a range of deductibles and co-insurance levels to change the plan to better meet your needs.
  • Immediate coverage with predictable copayments for the first three doctors’ office visits, per plan member, per calendar year.
  • Choice of prescription drug coverage options.

CoreGuardSM Plus
Affordable protection against significant unexpected medical costs

  • Wide array of covered services, including doctors’ office visits, hospital, surgical, and outpatient care.
  • Access to Anthem’s discounts for in-network covered health care services.
  • Higher percentage of member cost-sharing in exchange for lower premiums.

ClearProtectionSM Plus
Combines affordable protection with some immediate benefits

  • Innovative plan design helps limit your share of the costs for major medical expenses, such as surgery and hospitalization.
  • Immediate coverage for the first two doctors’ office visits for covered services.

Lumenos® HSA Plus
Traditional PPO coverage with added financial flexibility

  • Pair with an optional Health Savings Account (HSA) for more flexibility and potential tax advantages.
  • In-network covered services paid at 100% after you meet your deductible.

Lumenos® HSA 1500
Traditional PPO coverage with added financial flexibility

  • Pair with an optional Health Savings Account (HSA) for more flexibility and potential tax advantages.
  • Available with or without maternity benefits, depending on which deductible you select.

Tonik®
Straight up, affordable coverage tailored to protect young adults from unexpected medical expenses

  • Covers four office visits per year before deductible, with $20 copay per visit. Additional visits covered in full after deductible is met.
  • Immediate coverage (no deductible) for generic prescription drugs.
  • Includes some dental and vision benefits; optional Enhanced Dental coverage is available.

PPO Share
A traditional PPO plan with a broad range of benefits

  • Unlimited doctor office visits with predictable copays, before the deductible.
  • Ideal for families with young children or planning to have children.

Select HMO
Our lowest priced HMO with an exclusive HMO network

  • Exclusive HMO Network includes over 20,000 doctors in 22 California counties.
  • Immediate, no-deductible benefits for in-network covered services.

HMO Saver
A mid-priced HMO that includes access to our entire HMO network

  • Includes access to our entire HMO network of more than 37,000 doctors.
  • $1500 medical deductable for hospital and emergency services helps keep premiums lower.

Individual HMO
Our richest HMO with no medical deductable and access to our entire HMO network

  • Includes access to our entire HMO network of more than 37,000 doctors.
  • Immediate, no-deductible benefits for in-network covered services.