How to Find Affordable Blue Cross Health Insurance Plans

by Mike Valentine

Anthem Blue Cross Life and Health Insurance Company is responding to the national health care crisis by offering two new affordable health plans for California residents. The two new plans will be rolled out in early 2010, providing low-cost insurance alternatives for the many Californians who either don’t have insurance or who have health insurance plans that they are struggling to afford.

The first of Anthem’s new health insurance plans – CoreGuard – will become available on January 1, 2010. CoreGuard is a PPO plan that provides tax deductible options and prescription drug coverage. Most importantly for many California residents: the monthly premiums for CoreGuard will start at “prices to meet just about every budget,” noted one California health insurance agent.

As an example of the low-cost rates for the CoreGuard plan, the monthly premium for a male under the age of 40 is expected to be about $75 per month. However, as with most healthcare plans, participants will need to meet a deductible in order to receive coverage. Participants can select from a wide range of annual deductible amount and rate combinations to select the one that best for their budgets and healthcare needs.

The second of Anthem’s new affordable California health insurance plans is ClearProtection. ClearProtection will launch on February 1, 2010 and is designed to provide a wide range of benefits, but still offer first-dollar coverage. A male under the age of 40 will have a monthly deductible of about $69. ClearProtection is being touted as the PPO health insurance plan with the lowest rates of all of the Anthem PPO health insurance plans.

Blue Cross of California has one of the largest networks of healthcare providers throughout the state of California, which includes more than 50,000 doctors and almost 400 hospitals accepting PPO health insurance. Anthem’s health insurance plans also travel with participants across the country, helping to ensure that even if California plan holders leave the state, they will still be covered.

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