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California Health Insurance Agent Matt Lockard

Matt Lockard

Hi, I'm Matt Lockard, and I enjoy helping California residents find the best health plan for their needs at the cheapest rates available. I am an Independent California Health Insurance Agent and an authorized agent for the following companies:

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Anthem Blue Cross

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Blue Cross Tonik Health Plans

 

May 2012
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  • Anthem Blue Cross RightPlan 40

    RightPlan PPO 40

    Get a quote and apply online now!
    Get Prices for the RightPlan PPO 40

    A simple plan design with no medical deductible.
    Looking for a California health insurance plan that’s easy to use but still has the benefits you need? Our RightPlan PPO 40 offers:  
      No medical deductible to worry about. Benefits are immediate – with a $40 copay for doctor visits.
     
    • Lower rates on services when you use our PPO network of more than 50,000 doctors and 400 hospitals.
     
    • Choice of three prescription drug coverage options. With no deductible on generic drugs.
     
    • Single policy coverage. This means that each family member gets his or her own policy.
     
    • Health and wellness programs. Learn how to improve your health with online access to health-related information, tools and product discounts.
     
    • Out-of-state coverage. This protects you from the high cost of unexpected emergencies when you travel.
     
    For extra security, Anthem Blue Cross offers dental and life insurance plans that you can add to your medical coverage.  

    Get a quote and apply online now!
    Get Prices for the RightPlan PPO 40

     

     

    Benefits-at-a-glance for RightPlan PPO 40
           
    Plan Benefits  
    RightPlan PPO 40  
    In-Network 
    Out-of-Network 
    Annual Deductible Choices 
    Individual  
    $0  
    Family  
    Annual Out-of-Pocket Limit1  
    (in addition to deductible, if any) 
    Individual  
    $7,500 
    Family  
    Not applicable 
    Lifetime Maximum  
    Plan pays up to $5 Million per member  
     
    Covered Services  
    The amounts shown are your share of costs after any deductible  
    In-Network 
    Out-of-Network 
    Doctors’ Office Visits  
    $40 copay  
    50% of negotiated fee plus all excess charges 
    Professional Services  
    (x-ray, lab, anesthesia, surgeon, etc.) 
    40% of negotiated fee 
    50% of negotiated fee plus all excess charges 
    Hospital Inpatient 
    (overnight hospital stays) 
    40% of negotiated fee2 plus $500 copay per day for first four days, per admission 
    All charges except $650 per day 
    Hospital Outpatient 
    (if you don’t stay overnight) 
    40% of negotiated fee2 plus $500 copay per surgical admission 
    All charges except $380 per day 
    Emergency Room Services 
    ($100 copay applies for each visit; waived if admitted as inpatient) 
    40% of negotiated fee 
    40% of customary and reasonable fees plus all excess charges 
    Maternity 
    not covered 
    Preventive Care 
    (tests ordered by physician are covered, including appropriate screening for breast, cervical, ovarian, and prostate cancer) 
    Adult Services 
    HealthyCheck Centers: $25/$75 copay for basic/premium screening 
    Routine mammogram, Pap and PSA tests: $40 office visit plus 40% of negotiated fee 
    50% of negotiated fee plus all excess charges 
    Children’s Services 
    Well-Child (through age 6) $40 office visit plus 40% of negotiated fee 
    Acupuncture / Acupressure 
    All charges except $25 per visit, up to 24 visits per year 
    Chiropractic Services 
    40% of negotiated fee 
    All charges except $25 per visit 
    Plan covers up to 12 visits per year 
     
    Prescription Drug Coverage Options 
    In-Network 
    Out-of-Network 
    Comprehensive Prescription Drug Coverage 
    Generic: $10 copay 
    Brand-name: $30 copay after $500 brand-name deductible 
    50% of drug limited fee schedule and all excess charges plus the copay/coinsurance as stated for in-network benefits; subject to the $500 annual brand-name prescription drug deductible 
    Generic Prescription Drug Coverage 
    $10 copay 
    50% of drug limited fee schedule and all excess charges plus the copay/coinsurance as stated for in-network benefits. 
    No Prescription Drug Coverage 
    This option is available with RightPlan PPO 40 

    1. Excludes non-participating charges in excess of the Anthem Blue Cross negotiated fee and non-participating charges in excess of customary and reasonable fees for emergency care. Copays/coinsurance to participating and non-participating providers apply to annual calendar year out-of-pocket limit except where specifically noted in the policy.
    2. Additional $500 admission charge at participating hospitals (no additional charge for preferred participating) is for inpatient stays or outpatient surgery or infusion therapy. The charge is not required for ambulatory surgical centers or medical emergencies.

    Get a quote and apply online now!
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