CSU, San Bernardino Alumni Association

SCENARIO	PLAN TO CONSIDER WHY?
Brendan, a recent college graduate working part-time and searching for full-time employment, wants to be able to go to the doctor without having to pay a deductible.	Active Start Plan 35 (see page 10 in Alumni Booklet )*	With no medical deductible Brendan can visit his doctor and only pay a low copayment for the office visit Low monthly premiums fit within Brendan’s budget Preventive care services for $35 copayments
Kevin and Jennifer are married and own a small business. They go to the doctor for their regular check-ups, and prefer to pay lower monthly dues. Because they have enough in their savings, they feel comfortable paying a higher deductible in an emergency situation.	Shield Spectrum PPO Savings Plan 4800 (see page 15 in Alumni Booklet )	Lower-cost plan that provides catastrophic coverage in case of emergency Preventive care services covered with a small copayment without having to meet the calendar-year deductible Tax-saving Health Savings Account option if eligible (see page 39 for HSA details)
Maya works part time in retail sales and does not have health coverage through her employer. She goes to the doctor infrequently, but would like to get more day-to-day value from her plan. She is interested in going to the chiropractor and acupuncturist more often.	Active Choice Plan 600* (see page 7 in Alumni Booklet )	Annual $600 credit to use towards payment for outpatient professional services without first meeting a deductible Preventive care services for $20 copayment Fixed copayment for generic prescription drugs without meeting the brand-name drug deductible If Maya stays healthy and doesn’t use up her annual credit, any remaining portion will carry over and be added to the next year’s credit, giving her a larger amount of credit coverage
Jacob is a recent college graduate who works for a friend’s moving company. He goes to the doctor infrequently, but would like to continue going to the doctor he’s always gone to. He takes a prescription medicine and wants a plan that covers most of that cost right away.	A Shield Spectrum PPO Plan (see page 14 in Alumni Booklet )	Choice of deductibles (the higher the deductible, the lower the monthly dues/premiums) Automatic generic prescription drug coverage for a small copayment without meeting the calendar-year brand-name drug deductible Freedom to visit Blue Shield preferred or non-preferred doctors and specialists for a flat or percentage copayment
Eric and Nicole are a young couple who want comprehensive coverage for themselves and their son. They don’t go to the doctor often, but their son does. They want a plan that will make their son’s healthcare costs predictable.	PPO Plan 5000* forEric and Nicole, and a separate Access+ HMO YouthCareSM plan for their son. (see pages 18 and 33 in Alumni Booklet )	The Access+ HMO plan lets them take their son to the doctor as often as necessary and keep their out-of-pocket costs down Fixed copayments for physician office visits, hospital services and prescription drugs, with no charge for preventive care services for their son The PPO Plan 5000 covers Eric and Nicole in the event of an emergency and provides for their annual physical exams for a flat copayment before meeting their deductible With two different plans, they can best meet their individual coverage needs YouthCareSM rates reduce their monthly dues
John and Sheila are a couple in their 50s who want a health plan that will cover the medical attention they may need, but with the lowest monthly premiums. They are aware of the health issues that often come with age, so they want a little extra protection just in case something happens.	PPO Plan 5000* (see page 18 in Alumni Booklet )	The plan’s $10,000 Critical Condition ProtectionSM (CCP) benefit will provide them with the added protection they may need in the future They don’t mind having a high-deductible plan that keeps their monthly premiums low because they can afford to pay the deductible if they have a high-cost medical event

*Underwritten by Blue Shield of California Life and Health Insurance Company