Blue Cross Blue Shield of Arizona —
Health Insurance Plans for 2018

Get rates and apply for a Blue Cross Blue Shield of Arizona health insurance policy. by Lehrman Group

Blue Cross Blue Shield of Arizona offers the most popular individual and family health insurance plans available in Arizona.

They offer PPO options with deductibles from zero to $6,300. On most of the Arizona Blue Cross plans, you are not required to meet your deductible in order to get doctor visits and prescriptions — you’ll just pay a simple copay for those. The deductible comes into the picture for major care such as hospitalization, surgery and major testing. Click here to get a quote or apply for an Arizona Blue Cross health insurance policy.

Arizona Blue Cross’s EverydayHealth Plan

This plan has deductibles that range from $1,000 to $6,000 (but they have an actual financial exposure of $4500 or $6350 per year). You get doctor visits from day one for just $20 or $40 (depending upon which deductible you select). Specialists visits will cost you from $40 to $80 (again, depending upon your deductible). Generic prescriptions cost you from $15 to $25 – brand name drugs cost a bit more. If you are admitted to a hospital, you’ll pay your chosen deductible amount.

Arizona Blue Cross’s CoPayComplete Plan

Blue Cross has a zero deductible plan (but it does have a financial exposure of $6350 each year) that is a bit richer than the EverydayHealth plan above – they call this plan CopayComplete and it comes in two levels to select from (Gold and Silver). This is their most expensive plan and it offers the most in benefits. You pay either $25 or $40 when you see a doctor; $50 or $80 when you see a specialist. Generic prescriptions start at $10 with brand name drugs starting at $45. If you are admitted to a hospital, you’ll pay either $900 per day (25 plan) or $1,500 per day (40 plan) for the first four days then you don’t pay any more.

Arizona Blue Cross’s Essential PPO Plan

Blue Cross has a ‘basic’ plan that costs you the least in monthly premiums. This plan is called Essential and it comes in three deductible levels (Gold, Silver and Bronze – one has an annual financial exposure of $3000, two of them have a financial exposure of $6350 per year). This is their least expensive co-pay plan. You pay from $25 to $35 for the first three office visits when you see a doctor then you pay 20% after you meet your deductible for the rest of your doctor visits. Generic prescriptions start at $10 with brand name drugs starting at $25 (after a separate brand name drug deductible). If you are admitted to a hospital, you’ll pay your chosen deductible amount.

Arizona Blue Cross’s Portfolio HSA (Health Savings Account-compatible) Plan

Another popular Arizona Blue Cross plan is called Portfolio. We think this is a very smart plan option for various reasons. The Portfolio plan is a health savings account-compatible plan. With an HSA-compatible plan, the IRS allows you to open a health savings account (like an IRA) at a financial institution of your choice. You can put pre-tax money into the account, and the money grows with interest. You may take money out of the account to pay for qualified medical expenses. If you don’t use the HSA money, it carries over from year to year.

The Portfolio plan comes with deductibles of $1,500, $3,500, $5,500 and $6,300. Blue Cross won’t pay your medical bills until you reach your deductible, at which point they will, including prescriptions. But Blue Cross will pay for annual physical exams, however, without regard to your deductible and you pay nothing for those. And from day one, you’ll get the pre-negotiated Blue Cross Blue Shield of Arizona rates for all of your medical expenses, including prescriptions and doctor visits, all of which are applied to your deductible.

To get a quote or apply for a Blue Cross Blue Shield of Arizona health insurance policy, call us. From Phoenix call (623) 455-6997. From Tucson call (520) 760-0392. From anywhere else, call us at 800-600-9663.

Blue Cross Blue Shield Arizona Health Plans

Click here for Blue Cross Blue Shield of Arizona EverydayHealth PPO description

[PDF file]

Click here for Blue Cross Blue Shield of Arizona CoPayComplete PPO brochure [PDF file]

Click here for Blue Cross Blue Shield of Arizona Essential PPO brochure [PDF file]

Click here for Blue Cross Blue Shield of Arizona Portfolio HSA PPO brochure [PDF file]

Click here for Blue Cross Blue Shield of Arizona Medicare Supplement brochure [PDF file]

Click here for Blue Cross Blue Shield of Arizona Medicare Supplement application [PDF file]

Click here for the Blue Cross Blue Shield of Arizona prescription medication guide [PDF file]

Click here for providers for Blue Cross Blue Shield of Arizona [web page]

Click here for out of state providers for Blue Cross Blue Shield of Arizona (for when you’re traveling)

Click here for Blue Cross Blue Shield of Arizona brochure explaining your benefits when you’re away from home [PDF file]

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