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Health plan information - Merchants, Mates, & Captains and Office Crew in CA
Health plan benefits
Trio HMO*

The Trio HMO plan is made up of a network of local doctors, specialists and hospitals that work closely together to coordinate your care more efficiently, resulting in lower monthly premiums. 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 for a listing of the Trio service areas.
  • 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.

*Your 2023 Evidence of Coverage document was updated on February 16, 2024. Refer to the last page of the plan document for more information.

Welcome to Trio
Access+ HMO*
  • Affordable and predictable
  • 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).

Note: 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.

*Your 2023 Evidence of Coverage document was updated on February 16, 2024. Refer to the last page of the plan document for more information.

EPO (Exclusive Provider Organization)*

With the EPO plan, you get access to doctors and specialists in the full PPO network without a referral. However, except for emergencies, you have no out-of-network benefits.

  • Access to doctors and specialists in the broad PPO in-network
  • Access in-network PPO specialists without needing a referral

*Your 2023 Evidence of Coverage document was updated on February 16, 2024. Refer to the last page of the plan document for more information.

PPO*
  • See any doctor you choose for most services
  • You can self-refer to specialists
  • While you have access to out-of-network providers, you will usually pay less for services that are provided by PPO network providers.

*Your 2023 Evidence of Coverage document was updated on February 16, 2024. Refer to the last page of the plan document for more information.

High Deductible Health Plan (HDHP) *
  • See any doctor you choose for most services.
  • You can also self-refer to specialists.
  • While you have access to out-of-network providers, you will usually pay less for services that are provided by PPO network providers.

Note: The plan is paired with a federal tax-free health savings account (HSA) to help you save money. The HSA works a lot like a savings account. You contribute pre-tax dollars and use them to pay for your deductible and qualified out-of-pocket medical expenses

*Your 2023 Evidence of Coverage document was updated on February 16, 2024. Refer to the last page of the plan document for more information.