Blue Shield of California

Blue Shield of California has been providing excellent service to approximately 3.5 million Californians.  It is one of the leading and most well-known health insurance companies in California offering Health Savings Accounts (HSA) and non-HSA plans. BS of California also offers affordable and quality health insurance plans for the individual, family, short-term, Medicare and group health insurance plans for businesses.

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About Blue Shield of California

Founded in 1939, Blue Shield of California (previously known as California Physicians’ Service) made San Francisco its headquarters.  It is a non-profit, mutual benefit company that is an independent licensee of the Blue Cross and Blue Shield Association. Blue Shield of California was given a “Commendable” rating by the National Committee for Quality Assurance (NCQA) for the service and clinical quality it has provided for POS (Point of Service) and HMO business.

As of June 2012, the A.M. Best Company gave Blue Shield of California an Excellent “A” financial strength rating.

HSA for America is an authorized and independent agent of Blue Shield of California.

Provider Network

Your access to Blue Shield of California’s provider and hospital networks will depend on your plan type.  As of June 2012, their HMO plan holders have access to 32,710 in-network doctors and 328 affiliated hospitals in California.  Their PPO network contracts with 53,710 physicians and 363 hospitals. 
As for their Individual Medicare HMO, you can get care from 27,823 doctors and 147 California hospitals.  If you want to easily find affiliated doctors and hospitals in your area, you can use their provider finder just by clicking 

Underwriting Guidelines

Blue Shield of California’s underwriting department usually takes two to four weeks to finish processing your application.  Processing is faster if you have no health issues.  If you do have a pre-existing condition, Blue Shield of CA might ask you to provide your past medical records or they may order diagnostic tests to confirm your health status and that will cause delays in processing your submitted application. You can get a temporary elimination rider to waive certain health problems for a year or two.

Policy Timing

Your coverage can immediately begin the day after Blue Shield of California approves your submitted and signed application.  If you want a specific date for your coverage to take effect, you may request a date within 60 days after you have signed your application.  If you decide to select a date within 21 days from the time you signed your application, your billing period will start on the requested date regardless if you have received a letter of approval from Blue Shield of CA. 

If you currently have a health care policy, before you decide to cancel that plan, it is advisable that you first wait for the confirmation letter from either Blue Shield of California or HSA for America stating that your application has been accepted and your coverage is in place.

Administering your HSA

Your health insurance plan and Health Savings Account are separate from each other.  You need to select either an approved trustee or bank to administer your HSA. On our HSA Administrator page, there is a list of approved banks and trustees that can set up your HSA along with the fees that they will charge you.  This will make it easier for you to compare and select an HSA administrator.

Insurance Premiums

The rates you will receive from Blue Shield of California will depend on your zip code, age, health status and a few other factors.  All of their deductible options have a six month rate guarantee.  To easily get the rates of the available plans in your area, make use of our instant quotes.  If you wish to speak with your HSA for America Personal Benefits Manager to discuss your options and how you can lower your premiums, you may call us at 866-749 -2039.

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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.