Anthem Blue Cross has discontinued some of their PPO Share (maternity) plans in California, and although you may keep your current coverage, you may find the rates higher than you anticipated. In this case, new plans have been designed to offer comparable coverage with lower premiums. For instance, those individuals and families on the PPO Share 2500 or 1500 may want to consider moving to a less expensive plan, such as the PPO Share 3500. These plans will balance the escalating costs of maternity coverage with higher deductibles and out of pocket maximums. You will still have the comfort of knowing that your coverage is in place should you need it, and continue using your current doctors and hospitals. Also, moving to a new plan will not always require medical review, making the process even easier.
As your agent, we also suggest reviewing options for those family members who do not need maternity coverage, and consider separate plans for your family members. You’ll find that this can often reduce your overall premiums, as you are no longer paying for coverage you don’t need.
Tags: Coinsurance, deductibles, heath insurance, maternity
