Need help selecting a plan?
Learn how each plan works in these 30-second videos.
Compare your Blue Shield plan options
Access+ HMO plan
In-network out-of-pocket costs (effective 2025):- Deductible (individual): None
- Deductible (family): None
- Primary care office visit: $25
- Specialist office visit: $30
- Infertility services: 50%
Plan highlights:
- Access to providers in our full HMO network
- Predictable costs—fixed copayments for most services
- $0 copay for virtual care (medical and mental health)
- Each member must select a primary care physician (PCP)
- Retail and mail-order prescription drugs
Trio HMO plan
In-network out-of-pocket costs (effective 2025):- Deductible (individual): None
- Deductible (family): None
- Primary care office visit: $25
- Specialist office visit: $30
- Infertility services: 50%
Plan highlights:
- Access to Trio HMO network providers only
- You must live in the Trio HMO service area
- $0 copay for virtual care (medical and mental health)
- Each member must select a Primary Care Physician (PCP)
- Retail and mail-order prescription drugs
PPO plan
In-network out-of-pocket costs (effective 2025):- Deductible (individual): $250
- Deductible (family): $750
- Primary care office visit: 15%
- Specialist office visit: 15%
- Infertility services: 50%
Plan highlights:
- Available to employees located in the USA
- Freedom to visit any doctor—in or out of our PPO network
- Self-refer to specialists—no PCP referral required
- Enhanced assistance from Accolade Health Assistant
- Retail and mail-order prescription drugs
PPO out-of-area plan
In-network out-of-pocket costs (effective 2025):- Deductible (individual): $250
- Deductible (family): $750
- Primary care office visit: 15%
- Specialist office visit: 15%
- Infertility services: 50%
Plan highlights:
- Available to employees located outside the USA
- Freedom to see any doctor—in or out of the plan's PPO network
- Self-refer to specialists—no PCP referral required
- Urgent and emergency care coverage worldwide
- Retail and mail-order prescription drugs
PPO 20 plan
In-network out-of-pocket costs (effective 2025):- Deductible (individual): $250
- Deductible (family): $750
- Primary care office visit: 80%
- Specialist office visit: 80%
- Urgent care: 80%
Plan highlights:
- For Medicare-eligible retirees who do not enroll in Medicare
- Freedom to see any doctor—in or out of our PPO network
- Self-refer to specialists—no PCP referral required
- Enhanced assistance from Accolade Health Assistant
- Retail and mail-order prescription drugs
Find a doctor in the network
Use our virtual assistant to find a provider, including hospitals and pharmacies.
You can also use our Advanced Provider Search tool.
Urgent care for HMO plan members
You must use an Urgent care center affiliated with your doctor’s medical group or Independent Practice Association (IPA).
-
Brown and Toland Physicians
-
Hill Physicians
-
John Muir Health
- Santa Clara County Individual Practices Association
Learn about your pharmacy benefits
Blue Shield pharmacy benefits offer convenience and savings on prescription drugs.
- Access to retail pharmacies, including Safeway/Vons, Costco, CVS, and more
- Up to 90-day supplies at retail and mail service pharmacies
- $0 shipping from our mail service pharmacy
- Pharmacy FAQs
Contact us
Trio HMO plan
(855) 747-5800
7 a.m. - 7 p.m. PT; M - F
Access+ HMO plan
(855) 747-5800
7 a.m. - 7 p.m. PT; M - F
PPO plan
(866) 336-0711
Nurse support: 24/7
Other help: 8 a.m. - 8 p.m. PT; M - F
BSC PPO Out of Area
Chile, Mexico and Nicaragua (916) 738-8280
Other countries (800) 60004141
7 a.m. - 7 p.m. PT; M - F
Access+ HMO is a registered trademark of Blue Shield of California.