• Low out-of-pocket costs
• Comprehensive health care coverage
• Unlimited lifetime benefits for covered services
• Minimal copays for office visits
• Self-referral for OB/GYN (women's health specialists)
• Blue Cross DirectAccess
• Blue Cross Speedy Referral^SM

HMO Plan Selection
The Blue Cross Individual HMO Plan provides extensive coverage with low out-of-pocket costs for covered health care services you receive only from HMO Network doctors and hospitals.

The Blue Cross HMO Saver Plan provides the same coverage as the Individual HMO Plan, but has a deductible amount for services you receive from hospitals and other health facilities to keep the premiums lower.