HMO vs. PPO
HMO members must choose a primary care physician (PCP)
from among the HMO member physicians. The PCP provides general medical
care and must be consulted before you can see a specialist, who must also
be part of the HMO. PPO members do not choose a primary care physician
and can refer themselves to specialists.
If you are fortunate enough to have a choice between HMO
and PPO coverage,
you will need to take some time to evaluate the coverage offered by each
and determine which one best suits the needs of yourself and your family.
Blue Cross of California
Blue Cross of California and Blue Cross Life & Health Insurance Company are independent licensees of the Blue Cross Association and are licensed to conduct business in the State of California.
Thank you for your interest in Blue Cross of California, a company committed to making healthcare work for all of us. For more than six decades we've been helping Californians maintain a healthy way of life. We use our strength, resources and experience to make health care more accessible, particularly for individuals and families who purchase insurance directly.
From our vast doctor network to alternative medicine coverage to personalized
plans, toll-free help lines and member-focus services, we are one of California's
leading health plans. Please explore this site to find out more about
our options for Individuals and Families