Blue Cross of California HMO

Blue Cross of California HMO , Health Maintenance Organization, just could be the right health care program for you. It offers several different plans, no waiting period if you or a member of your family has a preexisting medical condition, and no annual deductible. As well you get unlimited benefits over your lifetime with a small office fee of only ten dollars. The only thing about using a Blue Cross of California HMO is that you need to be comfortable using having a Primary Care Physician. Within reason, as long as the person is on their list, you get to choose who this will be. But once the choose is made you are stuck with that Primary Care Physician to take care of all you medical needs and those of your family.

Through the Blue Cross of California HMO your Primary Care Physician will completely run your health care needs. They will recommend specialists, also on the list, when they see that your medical needs warrant this. This can be done without the physician needing to get acceptance through the program on certain referrals. These include routine lab tests, x-rays or general surgery plus a list of physicians that include ear, nose or throat doctors, cardiologists, dermatologists, oncologists, podiatrists, and ophthalmologists.

With the Blue Cross of California HMO plan the subscriber is able to arrange to see ear, nose and throat doctors, plus dermatologists and allergy doctors without needing a recommendation from their Primary Care Physician as long as these doctors are on the list. As well, they offer the ability for the policyholder, depending on preference, to choose a different plan for each family member if that option feels right to you. Perhaps you just feel that other members of our family require different care. The choices are yours to make.

The Blue Cross of California HMO has many plans that try to give the most benefits they can to their policyholders. One such program is the Well Woman Preventive Care plan. It allows a woman to have what are called well woman exams; these are designed as preventive care and include Pap tests and mammograms. This plan also gives women the chance to decide if they want this special care to be provided by their Primary Care Physician or if they would prefer to choose an obstetrician gynecologist to take care of their needs. They can choose this alternative if they prefer and pick their own, as long as they are on the list, without having to get a referral.

There are many other programs available under the Blue Cross of California HMO which center on preventive care, maintaining good health, and governing medical conditions that require regular care like allergies or diabetes. As well the Blue Cross of California HMO plans offer discounts to their policyholders of up to fifty percent for those who use hearing aids, glasses or contacts, and vitamins as well as skin care products, heath club memberships and other products designed to improve and keep a person healthy.