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Blue Cross Blue Shield of Arizona: Open enrollment advice

Posted: 12:52 PM, Dec 12, 2018
Updated: 2018-12-12 19:52:09Z

From AZBlue.com :

All of our Affordable Care Act plans for individuals include coverage for:

  • Doctor visits
  • Prescription drugs
  • Preventive care
  • Hospital stays
  • Maternity and newborn care
  • Mental and behavioral health
  • Emergency care
  • Urgent care
  • Dental and vision care for children

Plan Options

EverydayHealth HMO:
This is our most popular health plan. You pay a fixed copay for most routine care and prescription drugs. Surgeries and other major health care apply a deductible and coinsurance.
Right for you if:

  • You want low, predictable out-of-pocket costs for doctor visits and prescription drugs
  • You need financial protection in case of a health emergency or major medical issue
  • You want broad coverage, but want to keep your monthly premium low

TrueHealth HMO
Like the EverydayHealth plan, you’ll have a copay for most routine care and prescription drugs. However, there is no a separate drug deductible. And, you’ll have to meet your deductible before the plan starts to pay for most major healthcare services, including surgeries.
Right for you if:

  • You want a lower premium, even if that means a higher deductible
  • You want predictable costs for doctor visits and prescription drugs

Portfolio HSA HMO
This health insurance plan is paired with a health savings account (HSA) that gives you certain tax advantages. You will need to meet the deductible before the health plan begins to pay for most healthcare services.
Right for you if:

  • You want the tax advantages of a health savings account
  • You want to keep a close watch on your healthcare costs
  • You don’t expect to need frequent doctor visits or prescriptions, OR you expect high health costs and want to use a health savings account for the tax advantages

SimpleHealth HMO
This is a low premium plan that offers three in-network primary care provider visits for people who are healthy and don't need regular healthcare. It's only available to people under the age of 30 and those who qualify for a financial hardship.
Right for you if:

  • You are under age 30 or qualify a hardship exemption
  • You are healthy and likely to visit your doctor fewer than four times a year
  • You want the lowest possible monthly premium, even if that means paying more if you do need healthcare

This is only a brief summary of these benefit plans to help you compare their features. You can find more detailed information about the plan benefits at healthcare.gov.

Get a Quote & Enroll
All of our Affordable Care Act health plans are available on healthcare.gov. Take these simple steps to see what they cost and to sign up for health insurance.

  • Step 1: Go to healthcare.gov .
  • Step 2: Enter the following information: your ZIP code, age, gender, and household income.
  • Step 3: Healthcare.gov will let you know if you’re eligible for a premium tax credit and you’ll save on your monthly premium.
  • Step 4: View your plan options. You can select plans based on:
    • Monthly premium
    • Annual deductible
    • Total out-of-pocket maximum
    • Copays for doctor visits and prescription drugs
  • Step 5: Select a plan and read through the plan benefits carefully.
  • Step 6: Start an application for financial assistance for the premium tax credit and the health plan.
  • Step 7: Receive confirmation of your application.