Are you researching Blue Cross® Blue Shield® of Arizona (AZ) health insurance? Get a free quote online or over the phone.
Anderson Insurance provides information and tools you need to research and apply for Blue Cross Blue Shield of Arizona Individual and Medicare Supplement plans.
The steps are easy, just review the information below, get a quote and apply. Anderson Insurance is an authorized broker for Blue Cross® Blue Shield® of Arizona (AZ) health Insurance.
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Popular Blue Cross Blue Shield Plans for Arizona Residents
Blue Cross Blue Shield of Arizona offers two of the most popular health insurance plans for individuals and families in Arizona – Everyday Health PPO and the Portfolio Health Savings Account PPO.
The high quality Everyday Health PPO is a best seller for Blue Cross Blue Shield because it offers the most comprehensive benefits. Both Primary doctor’s office visits and Specialists have a set co-payment. The prescription card includes co-pays for covered drugs with no drug deductible. Urgent Care and Emergency Room visits also have a co-pay.
Deductibles in this plan range from $1000 to $6,000, but choosing the lowest deductible will result in the highest monthly premiums. This plan has an 80/20 percentage of coinsurance, which means the patient is responsible for 20% coinsurance of major medical bills up to an annual maximum, before the coverage changes to 100%. Since office visits and prescriptions are not subject to the deductible, most healthy people can feel comfortable with this type of plan.
With the Portfolio Plan you can save tax-deductible dollars to pay for unforeseen medical expenses. Your savings can accumulate in a financial institution of your choice. The money in this Health Savings Account earns interest or can be invested, and can be used to pay for qualified medical expenses with a pre-tax dollar. What makes this plan even more attractive is the fact that this money is carried over from one year to the next.
Unlike the Everyday Health PPO, enrollees must pay for doctor’s visits and prescriptions themselves until the deductible is met, but office visits and prescriptions drugs can be purchased at a discount through the plan. Deductibles choices are $1500, $3500, $5500 and $6300 with all expenses applied toward the satisfaction of the selected deductible. Once the chosen deductible is met, Blue Cross will pay 100% of all medical bills for the remainder of the policy year, including doctor visits, lab tests, hospitalization, surgery and prescription drugs. The only exception to this is the $1500 deductible which includes 10% coinsurance up to an additional $1500 out of pocket ($3000 total).