Blue Cross Blue Shield of Arizona Health Insurance Company Review

Blue Cross Blue Shield of Arizona has a number of topinpatient mental health, inpatient rehabilitation services,
notch health care solutions for Arizona residents.ambulance services and urgent care you won't have
Perhaps one of the most famous health insuranceto pay a single dollar once you meet your deductible.
companies in the United States is Blue Cross and BlueYou will pay $150 if you happen to go to the
Shield. The company itself was found in the year 1929emergency room and are not admitted in before you
in the state of Texas. Nowadays it is estimated thatpay your deductible, after you meet the deductible
99 million Americans are members of a Blue Crossdollar amount however, this too is covered 100%. It is
and Blue Shield.also worth mentioning that this plan is one of the two
This means that one out of three Americans sthat BCBS of Arizona offers that is compatible with
covered by perhaps the biggest insurance company inHealth Savings Accounts.
the entire country. Today the company has access to3. BluePreferred Basic: This is another plan that
all 50 states of the nation with its well developed plansoperates within the Arizona PPO network but will give
and services. Since Blue Cross and Blue Shield isthe member a chance to go out-of-network for a
comprised of 39 independent, community-based andhigher price. They have choices of $1,500, $2,500,
local Blue Cross and Blue Shield companies they each$5,000 and $10,000 deductibles for individuals with
operate individually within their own state. It is knownfamily deductibles doubling those costs. For most
that the 39 independent entities represent the oldestcovered services you will have to pay a 20%
and largest family of health benefit companies.co-insurance after you meet the deductible option you
Blue Cross and Blue Shield of Arizona is no differentselected, although a few services give you copay
than all the other states independent agencies. Theprices. For doctor visits they you will pay based on the
entity on this state was founded on 1939, just tendeductible you selected, this means that if you
years after the first independent BCBS was foundedselected a $1,500 dollar deductible you will pay $25, if
in the state of Texas. The company has main officesyou picked a $2,500 deductible your cost will be $30,
in the cities of Phoenix (headquarters), Tucson, Tempefor a $5000 deductible your rate will be $35 and for a
and Flagstaff and is the place of work of anperson selecting the $10,000 deductible their doctor
estimated 1500 employers. Blue Cross and Blue Shieldvisits cost would be $40. Preventive services will not
of Arizona is given the A.M. Best rating of Abe counted towards the deductible so you will be
(Excellent) because it provides great quality healthallowed to pay 20% co-insurance from the start.
care at an accessible price for their members andPrescription medications in this plan are divided only into
because it provides different plans that will perfectlygeneric drugs which you will pay $30 and brand name
meet the diverse population within the state. Bluewhich you will pay $125. Other than those services all
Cross and Blue Shield of Arizona is one of the firstthe other coverage which includes inpatient and
options for the residents of the state because not onlyinpatient care such as mental health services,
does it do business, but it volunteers with about 200rehabilitation services, skilled nursing facility and home
organizations through out the state.care you will have to pay 20% co-insurance after
Blue Cross Blue Shield of Arizona as said beforemeeting your deductible. The emergency room fee in
offers excellent plans that can be purchased bythis plan is $150 if you are not admitted and after
anyone. From high deductibles with low monthlymeeting your deductible you will only have to pay 20%
premiums to no deductible and low out-of-pocketco-insurance.
expenses which can guarantee you a little higher4. BlueClassic: This type of coverage doesn't follow
premiums BCBS has it all. Because they areany network because it is an indemnity plan. This
independent health insurance agencies they make upmeans that the plan gives the member more freedom
their own health insurance plans that they think will beto go use services under any other network, but the
liked by the consumer.plan is a little bit more expensive. It gives choices of
Below you will find a detailed description of the six$250, $500, $750, $1;250, $2;500 and $5;000 for
plans offered within the state with the rates youindividuals, with family deductibles being double the
should expect to pay when using the services. It is alsoindividual levels. The co-insurance for most services is
worth mentioning that the plans offer different20% after you meet the deductible of choice if the
deductible and different copays for each deductible soservice involves a co-insurance. For doctor visits and
you can basically choose whichever deductible optionpreventive care you will have to pay full price until you
you wish from within the plan itself.meet your deductible and then the company will pay
1. BluePreferred Copay: This plan works within the80% while you pay 20%.
Arizona Preferred Provider Organization (PPO)Prescription medications once again are divided into
network with a choice of you to visit providers offour levels with level one being $15, level two being
different networks. If you choose to follow the out of$35, level three $65 and the most expensive is level
network path however, you will end up paying muchfour which will require you to pay $120. Lab services,
higher than if you stick with the large PPO network.inpatient care, outpatient care and urgent services are
This plan offers deductibles of $250, $500, $1,000,all subject to deductible and co-insurance, as well as
$2,500 and $5,000 for an individual per calendar yearmaternity care, behavioral and mental services, rehab
with the family deductible being double those prices.services, skilled nursing facility services and home
The co-insurance for this plan is 20%, which meanshealth services. For an emergency room fee you will
you will have to pay 20% of what the bill is in casehave to pay $150 at first and then its subject to
you use a service which requires co-insurance.deductible and co-insurance.
The doctor visits are different for each deductible5. BlueClassic Saver: This is another indemnity plan that
category, but they range from $15 if you choose thegives the customer more freedom when deciding to
plan with a $500 deductible; to $35 if you choose theuse the services. With these plan you will only have
$5,000 deductible. Pharmacy coverage is a littlethe choice of a $5,000 deductible for an individual,
different within this state because instead of dividing$10,000 for a family. This plan is also easy to describe
the drugs into three tiers, BCBS of Arizona dividesbecause the co-insurance that BCBS of Arizona pays
them into four levels. Level one drugs will cost you $15,is 100% after you meet the deductible. This means that
level two will be $34, level three $65 and the with aafter you pay the $5,000 your services such as
level four drug you will have to pay $120.doctor visits, preventive care, lab services, inpatient
Inpatient and outpatient hospital care is subject to thecare, outpatient care, urgent care, maternity care,
deductible first and then to the 20% co-insurance andbehavioral and mental care, home health care,
the emergency room fee if you happen to go and arerehabilitation care and skilled nursing facility care will all
not admitted in is $150. Other inpatient care such asbe covered 100%. It is important to mention that this is
maternity care, behavioral and mental health,the other plan that BCBS of Arizona has for people
rehabilitation and home care would be 20%that want a plan compatible with their Health Savings
co-insurance after you pay the deductible and it'sAccount.
important to mention that preventive eye exams are6. BlueSelect: The BlueSelect plan is an Arizona Health
covered by the plan and range from $15 to $35Maintenance Organization (HMO) network plan in
depending on your deductible choice.which the person will be asked to choose a primary
2. BluePreferred Saver: This plan also is part of thecare physician (PCP) and will need referrals in case
Arizona Preferred Provider Organization (PPO)they want to go ask for a second opinion or see a
network and gives you the choice to gospecialist. With Plan 2 you will not have a deductible
out-of-network for a higher rate. With these plan youand you will pay $25 to go see your PCP and $40 for
will have the choice of three deductible options that willother doctors. Pharmacy coverage is divided once
double if you have a family coverage; those optionsagain into four levels for which you will pay $15, $35,
are $1.500, $2,600, and $5,000. The co-insurance of this$65 and $120 respectively. You will pay $750 for
plan once you meet your deductible is of 0%, whichadmission to inpatient surgery and $200 for outpatient.
means that you will be able to go use the services forThe only difference with Plan 3 is that you are
no cost at all. BCBS of Arizona will pay 100% of the billrequired to have a deductible of $1,000, doctor visits will
in selected services if you meet your deductible.be $30 for a PCP and $40 for specialist and inpatient
This plan is pretty much self explanatory because forcare would be subject to deductible while outpatient
doctor visits, preventive care, lab services, prescriptionwould be $300.
coverage, inpatient and outpatient hospital care,