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Network Advantages

Rooted in the community, recognized nationwide

We offer a variety of diverse, expansive networks — so you can choose the coverage that best suits your unique needs. The following information explains what to expect with our network options. 

Health Maintenance Organization (HMO)

All health care services go through a primary doctor, who can also refer members to other health care professionals. Coordinating health care through a primary doctor means less paperwork and lower health care costs.  

Point-of-Service (POS)

POS plans require members to choose a primary doctor in the BlueShield network, but they don't need referrals to visit other health care professionals. 

Preferred Provider Organization (PPO)

PPO plans give members national in-network coverage and wide flexibility. In BlueShield's service area, members need to use a BlueShield participating provider for in-network coverage. Outside of the 13 counties, members can use BlueCard® for in-network coverage. If members use providers outside of the BlueShield or BlueCard® networks, they'll have higher out-of-pocket costs (with the exception of emergency care). 

Exclusive Provider Organization (EPO) 

EPO plans give members national in-network coverage. In BlueShield's service area, members need to use a BlueShield participating provider for in-network coverage. Outside of the 13 counties, members can use BlueCard® for in-network coverage. 

Expanded (EX) POS/PPO Wrap

If members live and/or work within the BlueShield service area* but are close to other counties and receive services in both areas, we offer our POS/PPO Wrap network. This network combines the best of POS and PPO networks; it offers and extensive variety of quality health care professionals both locally and across the country — all at the same in-network cost.