Blue Cross Blue Shield of Arizona has a number of top notch health care solutions for Arizona residents. Perhaps one of the most famous health insurance companies in the United States is Blue Cross and Blue Shield. The company itself was found in the year 1929 in the state of Texas. Nowadays it is estimated that 99 million Americans are members of a Blue Cross and Blue Shield.

This means that one out of three Americans s covered by perhaps the biggest insurance company in the entire country. Today the company has access to all 50 states of the nation with its well developed plans and services. Since Blue Cross and Blue Shield is comprised of 39 independent, community-based and local Blue Cross and Blue Shield companies they each operate individually within their own state. It is known that the 39 independent entities represent the oldest and largest family of health benefit companies.

Blue Cross and Blue Shield of Arizona is no different than all the other states independent agencies. The entity on this state was founded on 1939, just ten years after the first independent BCBS was founded in the state of Texas. The company has main offices in the cities of Phoenix (headquarters), Tucson, Tempe and Flagstaff and is the place of work of an estimated 1500 employers. Blue Cross and Blue Shield of Arizona is given the A.M. Best rating of A (Excellent) because it provides great quality health care at an accessible price for their members and because it provides different plans that will perfectly meet the diverse population within the state. Blue Cross and Blue Shield of Arizona is one of the first options for the residents of the state because not only does it do business, but it volunteers with about 200 organizations through out the state.

Blue Cross Blue Shield of Arizona as said before offers excellent plans that can be purchased by anyone. From high deductibles with low monthly premiums to no deductible and low out-of-pocket expenses which can guarantee you a little higher premiums BCBS has it all. Because they are independent health insurance agencies they make up their own health insurance plans that they think will be liked by the consumer.

Below you will find a detailed description of the six plans offered within the state with the rates you should expect to pay when using the services. It is also worth mentioning that the plans offer different deductible and different copays for each deductible so you can basically choose whichever deductible option you wish from within the plan itself.

1. BluePreferred Copay: This plan works within the Arizona Preferred Provider Organization (PPO) network with a choice of you to visit providers of different networks. If you choose to follow the out of network path however, you will end up paying much higher than if you stick with the large PPO network. This plan offers deductibles of $250, $500, $1,000, $2,500 and $5,000 for an individual per calendar year with the family deductible being double those prices. The co-insurance for this plan is 20%, which means you will have to pay 20% of what the bill is in case you use a service which requires co-insurance.

The doctor visits are different for each deductible category, but they range from $15 if you choose the plan with a $500 deductible; to $35 if you choose the $5,000 deductible. Pharmacy coverage is a little different within this state because instead of dividing the drugs into three tiers, BCBS of Arizona divides them into four levels. Level one drugs will cost you $15, level two will be $34, level three $65 and the with a level four drug you will have to pay $120.

Inpatient and outpatient hospital care is subject to the deductible first and then to the 20% co-insurance and the emergency room fee if you happen to go and are not admitted in is $150. Other inpatient care such as maternity care, behavioral and mental health, rehabilitation and home care would be 20% co-insurance after you pay the deductible and it’s important to mention that preventive eye exams are covered by the plan and range from $15 to $35 depending on your deductible choice.

2. BluePreferred Saver: This plan also is part of the Arizona Preferred Provider Organization (PPO) network and gives you the choice to go out-of-network for a higher rate. With these plan you will have the choice of three deductible options that will double if you have a family coverage; those options are $1.500, $2,600, and $5,000. The co-insurance of this plan once you meet your deductible is of 0%, which means that you will be able to go use the services for no cost at all. BCBS of Arizona will pay 100% of the bill in selected services if you meet your deductible.

This plan is pretty much self explanatory because for doctor visits, preventive care, lab services, prescription coverage, inpatient and outpatient hospital care, inpatient mental health, inpatient rehabilitation services, ambulance services and urgent care you won’t have to pay a single dollar once you meet your deductible. You will pay $150 if you happen to go to the emergency room and are not admitted in before you pay your deductible, after you meet the deductible dollar amount however, this too is covered 100%. It is also worth mentioning that this plan is one of the two that BCBS of Arizona offers that is compatible with Health Savings Accounts.

3. BluePreferred Basic: This is another plan that operates within the Arizona PPO network but will give the member a chance to go out-of-network for a higher price. They have choices of $1,500, $2,500, $5,000 and $10,000 deductibles for individuals with family deductibles doubling those costs. For most covered services you will have to pay a 20% co-insurance after you meet the deductible option you selected, although a few services give you copay prices. For doctor visits they you will pay based on the deductible you selected, this means that if you selected a $1,500 dollar deductible you will pay $25, if you picked a $2,500 deductible your cost will be $30, for a $5000 deductible your rate will be $35 and for a person selecting the $10,000 deductible their doctor visits cost would be $40. Preventive services will not be counted towards the deductible so you will be allowed to pay 20% co-insurance from the start.

Prescription medications in this plan are divided only into generic drugs which you will pay $30 and brand name which you will pay $125. Other than those services all the other coverage which includes inpatient and inpatient care such as mental health services, rehabilitation services, skilled nursing facility and home care you will have to pay 20% co-insurance after meeting your deductible. The emergency room fee in this plan is $150 if you are not admitted and after meeting your deductible you will only have to pay 20% co-insurance.

4. BlueClassic: This type of coverage doesn’t follow any network because it is an indemnity plan. This means that the plan gives the member more freedom to go use services under any other network, but the plan is a little bit more expensive. It gives choices of $250, $500, $750, $1;250, $2;500 and $5;000 for individuals, with family deductibles being double the individual levels. The co-insurance for most services is 20% after you meet the deductible of choice if the service involves a co-insurance. For doctor visits and preventive care you will have to pay full price until you meet your deductible and then the company will pay 80% while you pay 20%.

Prescription medications once again are divided into four levels with level one being $15, level two being $35, level three $65 and the most expensive is level four which will require you to pay $120. Lab services, inpatient care, outpatient care and urgent services are all subject to deductible and co-insurance, as well as maternity care, behavioral and mental services, rehab services, skilled nursing facility services and home health services. For an emergency room fee you will have to pay $150 at first and then its subject to deductible and co-insurance.

5. BlueClassic Saver: This is another indemnity plan that gives the customer more freedom when deciding to use the services. With these plan you will only have the choice of a $5,000 deductible for an individual, $10,000 for a family. This plan is also easy to describe because the co-insurance that BCBS of Arizona pays is 100% after you meet the deductible. This means that after you pay the $5,000 your services such as doctor visits, preventive care, lab services, inpatient care, outpatient care, urgent care, maternity care, behavioral and mental care, home health care, rehabilitation care and skilled nursing facility care will all be covered 100%. It is important to mention that this is the other plan that BCBS of Arizona has for people that want a plan compatible with their Health Savings Account.

6. BlueSelect: The BlueSelect plan is an Arizona Health Maintenance Organization (HMO) network plan in which the person will be asked to choose a primary care physician (PCP) and will need referrals in case they want to go ask for a second opinion or see a specialist. With Plan 2 you will not have a deductible and you will pay $25 to go see your PCP and $40 for other doctors. Pharmacy coverage is divided once again into four levels for which you will pay $15, $35, $65 and $120 respectively. You will pay $750 for admission to inpatient surgery and $200 for outpatient. The only difference with Plan 3 is that you are required to have a deductible of $1,000, doctor visits will be $30 for a PCP and $40 for specialist and inpatient care would be subject to deductible while outpatient would be $300.

Source by James J. Robinson

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