Access+ HMO plan

2025 In-network out-of-pocket costs:

• Deductible (individual): $0
• Deductible (family): $0
• Primary care office visit: $15
• Specialist office visit: $15
• Urgent care visit: $15

Plan highlights:

• Access to providers in our full HMO network
• Each member must select a primary care physician (PCP)
• Predictable costs—fixed copayments for most services
• $0 copay for virtual care (medical health)
• Self-refer to specialists within some medical groups

Trio HMO plan

2025 In-network out-of-pocket costs:

• Deductible (individual): $0
• Deductible (family): $0
• Primary care office visit: $15
• Specialist office visit: $15
• Urgent care visit: $15

Plan highlights:

• Access to Trio HMO network providers only
• You must live in the Trio HMO service area
• Each member must select a primary care physician (PCP)
• $0 copay for virtual care (medical and mental health)
• Enhanced assistance from Shield Concierge

Blue Shield EPO plan

2025 In-network out-of-pocket costs:

• Deductible (individual): $0
• Deductible (family): $0
• Primary care office visit: $15
• Specialist office visit: $15
• Urgent care visit: $15

Plan highlights:

• Access to Blue Shield's PPO network
• Low, fixed copayments just like an HMO plan
• $0 copay for virtual care (medical health)
• Self-refer to specialists—no PCP referral required
• Enhanced assistance from Shield Concierge