Learn about your health benefits
Access+ HMO plan

Plan highlights

The Access+ HMO® plan is affordable and predictable – you pay only the copayment for most covered services like doctor visits, urgent care and emergency care. Your primary care physician (PCP) coordinates all your care as well as refers you to specialists and hospitals within their medical group/Independent Practice Association (IPA).

When you enroll in the HMO plan for the first time, you must choose a PCP for yourself and your covered dependents. Each member of your family can choose a different physician and medical group/IPA.
Trio HMO plan
Trio HMO with Shield Concierge
Trio HMO works to ensure that all aspects of your care are more connected to help improve your overall well-being. As a Trio HMO member, one call to Shield Concierge connects you to a team of experienced health professionals so that you get the right care faster and easier than ever.

Plan highlights

Trio HMO is made up of a network of local doctors, specialists and hospitals that work closely together to coordinate your care. The goal of Trio HMO is to ensure that all aspects of your care are more connected to help improve your overall well-being, whether it be managing a chronic disease or reducing your stay at a hospital. Through this coordination, care is delivered more efficiently, resulting in lower monthly premiums than our Access+ HMO® plan.

To enroll in Trio HMO, you and your eligible dependents must enroll in the same plan and you must also live or work within the Trio HMO service area. Visit blueshieldca.com/triocheck to learn if you reside in the Trio service area.

When you enroll in Trio HMO for the first time, you must choose a primary care physician (PCP) for yourself and your covered dependents. Each member of your family can choose a different physician and medical group/Independent Practice Association (IPA).
Tandem PPO

Plan highlights

Tandem may be the perfect choice if you want the flexibility of a PPO, but need a more affordable option. Like other PPO plans, Tandem PPO* allows you to see any doctor or specialist, in or out of the network -- but you will save money when you see a doctor in network. Because the Tandem PPO Network has fewer providers than Blue Shield’s Full PPO Network, we can offer this plan to you at a lower cost.

After enrolling in a Tandem PPO plan, you will be matched with a primary care physician (PCP) in the Tandem PPO Network. You don’t need to visit your PCP first to receive care, and you can see any doctor or specialist that you want without a referral. If you prefer a different PCP, you can easily change your PCP in your blueshieldca.com online account or by calling the customer service number on the back of your Blue Shield member ID card.

Check if your preferred physicians, mental health providers, hospitals, and other providers are in the Tandem PPO Network by using the Find a Doctor tool.