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C.A.R. Anthem Blue Cross of California Medical Plans

The next C.A.R. Open Enrollment will be November 1st through December 15th for a January 1st, 2026 effective date!

Please review our plan General Guidelines for complete information on eligibility and enrollment. New C.A.R. members, and those who have experienced a Qualifying Event may be eligible to enroll early.

IMPORTANT!  The C.A.R. Anthem Blue Cross health plans are available state wide and use the large Anthem Blue Cross Prudent Buyer PPO and CaliforniaCare HMO networks. These plans and networks are not available in the Individual or Covered CA markets.

Existing Members:  2025 C.A.R. Anthem Renewal Page

Link to 2024 C.A.R. Anthem Plans

2025 Anthem Plan Comparison

2025 Anthem Blue Cross Benefit Summaries

HSA Compatible Plans –  (Be sure to visit C.A.R.’s HSA partner – Bend HSA)

Bronze & Silver PPO Plans

Gold & Platinum PPO Plans

HMO Plans

2025 Anthem Blue Cross Rates

Existing members can find new rates by logging in to either the RealCareOnline website (on 11/5/24) or the C.A.R. Member Benefits Portal.  Or, you can calculate your rates using the rate sheets and worksheet below.

Doctors & Hospitals

Unlike Individual plans and Covered California, the C.A.R. group Anthem plan uses the Anthem Blue Cross Small Group Prudent Buyer PPO and CaliforniaCare HMO networks. These are much larger networks than you would have access to outside of the C.A.R. plan. To look up providers for Anthem Blue Cross, follow the Anthem Provider Lookup Instructions:

  1. Visit www.anthem.com/ca
  2. At the top, click on “Find Care” and click the link.
  3. Scroll down and click on “Select a Plan for Basic Search” and click the link.
  4. To search, answer these questions:
    1. Select the type of plan or network: MEDICAL PLAN or NETWORK (may include dental, vision or pharmacy benefits).
    2. What state do you want to search in? CALIFORNIA
    3. Select how you get health insurance: MEDICAL (Employer-Sponsored)
    4. Select a plan/network – and choose EITHER:
      • Blue Cross HMO (CACare) – Small Group – OR –
      • Prudent Buyer PPO – Small Group
    5. Hit “Continue” and enter search criteria (name, specialty, NPI or license number) and enter the zip code area

When looking up providers by name, make sure you have the correct spelling. It also helps if you include the location and the name. Also, some doctors have multiple specialties so be aware that they may come up under different options such as “Surgery” vs. “Orthopedics” for example.

Important Forms

Important Plan Documents

Important Benefit Documents

Important Web Links

 

These forms require Adobe Reader, which is free and commonly used. If you don’t have it, download it here.