If you compare quotes for health insurance plans in Arizona, you may notice that the monthly premium for a Cigna HMO policy costs less in the Phoenix area than it does in Tucson. For example, the best rate for a 30 year old female on Cigna’s HMO plan is $497 a month in Tucson, and $380 a month in Phoenix. This may not seem to make sense since the cost of living in Phoenix is higher than in Tucson. The reason for this cost difference comes down to the difference between an HMO (Health Maintenance Organization) and a PPO (Preferred Provider Organization). Because Phoenix is larger than Tucson and has more medical providers, Cigna is better able to keep costs down and pass those savings on to members of their HMO network.
For more about the differences between an HMO and a PPO, check out our Health Insurance FAQ page.
If you are looking for maternity coverage in Arizona, the Cigna HMO plan is a great option. Click here to get Arizona Cigna rates and apply now.
Please don’t hesitate to contact us if you have any questions.
