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.

The PPO Needles Plan is only offered to members assigned to work locations in the Needles, Trona, and Baker areas. Please check with your benefit administrator to make sure you are eligible to enroll in this plan.

With the PPO 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

Within the PPO Network, preventive care services such as a flu shot are fully covered. 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.