Blue Shield of California

Blue Shield CA PPO network is sneaky. If you get it through your employer, chances are it’s ok. If you have the misfortune of buying it yourself (even if you buy it direct like I did, and not through Covered CA) be prepared to bend over and take a financial reaming like you have never experienced. They will take your premiums and offer no coverage. They have a second, secret PPO network where there are no adult providers, no urgent care centers, and almost no pediatricians. You are quite frankly better off going uninsured and going to county health clinics. That’s all that are in network anyway (I may be exaggerating but only a little), and at least that way you save your monthly premiums. Run far and run fast. I’m switching to Kaiser. At least they have the same group of doctors no matter what play you buy.

Blue Shield’s HMO is the worst health insurance ever. The do not provide any health care unless you make it happen through repeat calls to get anything approved through the referral process. Be warned — you will have to jump through hoops for care!