Free Blue Cross and Blue Shield, Arizona Quotes!

Blue Cross Blue Shield of Arizona (BCBSAZ) belongs to the nation's largest network of physicians, providers, and hospitals: Blue Cross Blue Shield. BCBSAZ offers coverage through the BluePreferred, BlueSelect, BlueClassic, BluePreferred Basic, and Participating networks described below:

• BluePreferred

  , a preferred provider organization (PPO) plan that does not require members to meet a deductible before making copays for most PPO doctors.

• BluePreferred Saver

  , a high-deductible preferred provider organization (PPO) plan that renders all services (except prenatal care) applicable under the member's deductible. This plan meets federal requirements for use with a health savings account (HSA), and members who meet eligibility criteria may elect it.

• BlueClassic

  , an indemnity plan that gives members the freedom to choose their preferred hospital or physician. Members may also choose from among six deductibles, ranging from $250 to $5000.

• BlueClassic Saver

  , a high-deductible indemnity plan with lower out-of-pocket costs for members who use Participating providers. This plan meets federal requirements for members who qualify to use it with a health savings account (HSA).

• BlueSelect

  , a health maintenance organization (HMO) plan that requires member copays for covered services.

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Choosing the Right Health Insurance

The process of determining which plan best suits your needs can be a confusing one. But it is by no means impossible to make an informed decision. Here are a few questions to consider before making a decision from among the Blue Cross Blue Shield of Arizona plans:

• Are you flexible about which doctors you see?
  
  BluePreferred and BlueSelect may work well for you. Or perhaps you have a preferred physician—there is a good chance that your doctor may already be in part of the BluePreferred or BlueSelect networks.
• Do you need maternity or prenatal care?
  
  BlueSelect covers prenatal, delivery, and postpartum maternity care when delivery occurs at least 12 months after coverage first became effective. BluePreferred and BlueClassic plans only cover complications that may occur during pregnancy.
• Which plan works within your budget?
  
  BluePreferred Basic offers the lowest premium rates if you use only Preferred providers, up to a specific number of visits. If you prefer a higher deductible plan, BluePreferred and BlueClassic can keep your monthly premium lower.
• Do you want a plan that works in conjunction with a health savings account (HSA)?

Plans that meet federal requirements for use with a health savings account (HSA) include BluePreferred Saver PPO and BlueClassic Saver. These plans are tax-advantaged, and members must meet certain eligibility criteria.

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