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Blue Cross Blue Shield of Arizona has a number of first-class health care solutions for Arizona residents. Perhaps one of the most popular health insurance in the United States, Blue Cross and Blue Shield. The company was founded in 1929 in the state of Texas. Today estimated that 99 million Americans are members of the Blue Cross and Blue Shield.

This means that one in three Americans under s perhaps the largest insurance company in the country. Today, the company has access to all 50 states in the nation, with its well-developed plans and services. Since Blue Cross and Blue Shield consists of 39 independent, community and local Blue Cross and Blue Shield companies, each separately in their own country. It is known that the 39 independent units are the oldest and largest family of health benefits companies.

Blue Cross and Blue Shield of Arizona is no different than any other independent State agencies. The companies for which this country was 1939, just ten years after the first independent BCBS was in the state of Texas. The company has offices in the cities of Phoenix (headquarters), Tucson, Tempe and Flagstaff and is the location of the work of an estimated 1500 employers. Blue Cross and Blue Shield of Arizona is the AM - Best rating of A (excellent), because they are very high-quality health care at an affordable price for their members and because there are different plans that are perfectly the diverse population in the state. Blue Cross and Blue Shield of Arizona is one of the first opportunities for the residents of the state, because it's not just business, but volunteers with approximately 200 organizations by the State.

Blue Cross Blue Shield of Arizona, as I said has excellent plans to be acquired by anyone. From high deductibles with low monthly premiums are not deductible and low out-of-pocket expenses, and you can somewhat higher premiums BCBS has them all. Because they are independent insurance agencies make it their own health insurance that they think would be welcomed by the consumer.

Below you will find a detailed description of the six plans offered within the state with the rate you should expect to pay when using the services. It is also worth noting that the plans offer several different deductible and copays for each deductible, so you can basically choose which option you deductible from the plan itself

1. BluePreferred Copay: This plan works within the Arizona Preferred Provider Organization (PPO)-network with a selection of you to visit providers of different networks. If you are interested in from the network path, however, you pay at the end is much higher than if you are with the large PPO network. This plan has a deductible of $ 250, $ 500, $ 1,000, $ 2,500 and $ 5,000 for an individual per calendar year with the family deductible is twice the price. The co-insurance for this project is 20%, which means that you have to pay 20% of what the bill is if you have a service that co-insurance.

The doctor visits for each category are deductible, but they range from $ 15, if the plan with $ 500 deductible, to $ 35 when you use the $ 5,000 deductible. Pharmacy coverage is a little different in this state, because instead of the distribution of drugs in three stages, BCBS of Arizona divides them into four levels. Level One drug costs $ 15, stage two is $ 34, Level three $ 65 and with a four drug, you need to 120th $

Inpatient and outpatient hospital treatment is below the deductible and then the 20% insurance and emergency room fee, if you happen to go and are not allowed is $ 150. Further inpatient care such as maternity, behavioral and mental health, rehabilitation and care at home would be 20% CO-insurance after you pay the deductible and it is important to mention that preventive eye exams are covered by the plan, ranging from $ 15 up to $ 35 depending on the deductible choice.

2. BluePreferred Save: This plan is also part of the Arizona Preferred Provider Organization (PPO) network and gives you the choice to go out of network for a higher rate. With this plan, you can choose between three options, the deductible will double, if you have family coverage, these options are $ 1,500, $ 2,600, and $ 5,000. The coinsurance for this plan, if your deductible is at 0%, which means that you will be able to offer services for no charge. BCBS of Arizona will pay 100% of the invoice in selected services, if your deductible.

This plan is fairly self-explanatory, because for physician visits, screening, laboratory services, prescription coverage, inpatient and outpatient hospital care, inpatient mental health, inpatient rehabilitation, outpatient services and urgent care, you will not to pay a Single Dollar Once your deductible. You pay $ 150 if you happen to the emergency room and do not pay before your deductible, after the deductible amount of U.S. dollars, however, even that is less than 100%. It is also worth noting that this plan is one of two that the BCBS Arizona offers that is compatible with Health Savings Accounts.

3. BluePreferred Basic: This is a further plan is that within the Arizona PPO network, but will allow Member States to go out of network for a higher price. You have the choice of $ 1,500, $ 2,500, $ 5,000 and $ 10,000 deductible for individuals with family deductibles double those costs. For most services you have to pay a 20% co-insurance after the deductible option you have selected, although a few services enter copay prices. For doctor visits, you pay them based on the deductible you have selected, this means that if you have a $ 1,500 dollar deductible, you pay $ 25 if you back your $ 2,500 deductible will cost $ 30 for a $ 5000 deductible will be your prize and $ 35 for one person, the selection of the 10,000 U.S. Dollar deductible of their doctor visits would cost $ 40 Preventive services are not counted against the deductible, you pay 20% co-insurance from the beginning.

Prescription drugs in this plan are only available in generic drugs, you pay $ 30 and brand name, you pay $ 125 Other than that all other services, inpatient care and inpatient care, such as mental health, rehabilitation, nursing facility, skilled care at home, you will have to pay 20% of the CO-insurance after meeting your deductible. The emergency room fee in this plan is $ 150, if you are not allowed, and after meeting your deductible you must pay only 20% coinsurance.

4. Blue Classic: This type of reporting is not on a network, because it is a compensation plan. This means that the plan gives the Member States more flexibility to use another network, but that is a bit more expensive. There are decisions of $ 250, $ 500, $ 750, $ 1, 250, $ 2, 500, and $ 5, 000 for individuals, families with the double deductible individual levels. The coinsurance for most services is 20% after the deductible of the election, if the service is a co-insurance. For physician visits, and prevention, you must pay the full price until your deductible and then the company is 80% while you pay 20%.

Prescription drugs are again divided into four levels with level one for $ 15, level two is $ 35, Level three $ 65 and is the most expensive of four, which must be paid $ 120th Lab services, inpatient care, outpatient and urgent care are subject to the deductible and co-insurance, as well as maternity, behavioral and mental benefits, rehabilitation services, skilled nursing facility services and home health care. For an emergency room fee, $ 150, you must at first and then the theme to a deductible and coinsurance.

5. Save Blue Classic: This is another compensation plan that the customer more freedom in deciding to use the services. With this plan you will only have the choice of the $ 5,000 deductible for an individual, $ 10,000 for a family. This plan is also easy to describe, because the coinsurance that BCBS of Arizona pays 100% after the deductible. This means that after you pay $ 5,000 your services such as doctor visits, screening, laboratory services, inpatient care, ambulatory care, urgent care, maternity, behavioral and mental health care, home health, skilled nursing and rehabilitation care facility care all under 100%. It is important to mention that the other plan, BCBS of Arizona have for the people want a plan, with its Health Savings Account.

6. Select Blue: The plan is a Blue Select Arizona Health Maintenance Organization (HMO) network in which the person is invited to a primary care physician (PCP) and must be accompanied by recommendations for the case to ask for a second opinion or a specialist. With Plan 2, you have no deductible and pay $ 25 to your PCP and $ 40 for other doctors. Pharmacy coverage is again divided into four levels, for which you pay $ 15, $ 35, $ 65 and $ 120 to. You pay $ 750 for admission to inpatient surgery and $ 200 for practice. The only difference with Plan 3 is that you must have a deductible of € 1,000, doctor visits are $ 30 for a PCP and $ 40 for specialists and inpatient care would be deductible, while practices would be $ 300

If you need more information about BCBS of Arizona and other top Arizona health insurance then be sure and compare Arizona health insurance quotes from top companies side by side, the company that is best for your needs in health care. Getting health insurance can be found today!