With Trio, you get access to a quality, local network of doctors and hospitals. You also get the lowest cost plan option from Blue Shield of California. A lower cost is made possible because Trio HMO network doctors and hospitals team up to coordinate your care, resulting in lower monthly premiums. Trio offers low copays, no deductibles, and almost no claim forms.

Important: If your current primary care physician (PCP) is in the Trio HMO Network, you will keep your PCP when you move to the Trio plan. To find out if your current doctor is in the Trio Network, go to blueshieldca.com/networktriohmo, and select Primary Care Physician.

For more plan details, visit blueshieldca.com/teamsters1932.

The HMO Platinum POS Plan has the predictable out-of-pocket costs of an HMO plan and some of the flexibility of a PPO plan. With this plan, you can access covered services from two levels:

Level 1: Your "HMO-level" benefits:

Using your Level 1 (HMO) benefits provides you with the highest level of benefits at the lowest out-of-pocket cost to you. However, you will only be covered under Level 1 when care is provided by your primary care physician (PCP) or any provider authorized by your PCP. Typically, you cannot self-refer to a specialist under your Level 1 benefits.

Level 2: Your "PPO-level" benefits

Under your Level 2 (PPO) benefits, you can see any doctor or specialist in the Blue Shield PPO Network without a referral from your PCP for select outpatient services. However, you are only covered for consultation, evaluation, and treatment that can be performed in the doctor's office. You will be responsible for applicable copayments and non-covered charges. Your share of costs will be higher than with your Level 1 (HMO) benefits.

For more plan details, visit blueshieldca.com/teamsters1932.

This plan is affordable and predictable - you pay only the copayment for most covered services like doctor visits, urgent care, and emergency care. You have no deductibles and almost no claim forms. This plan also gives you access to a larger network of providers than the Trio Plan.

For more details, visit blueshieldca.com/teamsters1932.

With the PPO Non-Needles Plan, you can receive care from any of the physicians and hospitals within the plan's network, as well as outside of the network for covered services.

Within the provider network

Preventive care services such as a flu shot are fully covered. You pay 100% for all other services until you meet your plan-year deductible. After your deductible is met, you pay a copayment or coinsurance for covered services. PPO Network providers submit their claims directly to Blue Shield, so it's convenient for you.

Going to providers in the PPO Network provides you with the lowest out-of-pocket costs.

Outside the provider network

When you see a non-network provider, what you ultimately pay depends on fees above Blue Shield's allowable amounts. Those fees vary and can be costly. Non-network providers usually require you to pay the full amount at the time you receive care. You then submit a claim with an itemized doctor's bill to Blue Shield.

For more details, visit blueshieldca.com/teamsters1932.

Introducing Virtual Blue

Virtual Blue is only offered to members assigned to work locations in the Needles, Trana, and Baker areas. Virtual Blue will be effective as of January 13, 2024. Please check with your benefits administrator to make sure you are eligible to enroll in this plan.

Virtual Blue is designed to keep your out-of-pocket costs low while giving you the flexibility to access virtual or in-person care. No referrals are needed.

When you become a Virtual Blue member, you're free to keep seeing your current doctors and pay the applicable in-network or out-of-network cost share.* Your costs will be lower when using in-network providers. Use our search tool to find out if your doctors are in the Virtual Blue PPO Network.

Virtual Blue gives you:

• $0 deductible and $0 copays for unlimited visits with the plan's virtual-only providers ― primary, specialty, and mental health care included
• The option to see providers in person from the Virtual Blue PPO Network or from outside the network at the applicable cost share*
• Access to 24/7 medical care via phone or video (Health coaches and triage nurses are also available 24/7 via in-app chat.)
• A dedicated virtual care team made up of your primary care physician, a health coach, and a mental health care manager
• A Virtual Blue Vitals Kit, including a blood pressure cuff, smart scale, and thermometer, so you can track your stats from home

*In-network and out-of-network cost sharing applies for in-person care. Costs are generally lower for services provided by in-network providers. See the plan's Evidence of Coverage for more information.

To learn more, see the plan resources below.

Plan resources

• Virtual Blue Frequently Asked Questions
• How to get care 24/7 with Virtual Blue
• More information on Virtual Blue