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Blue Cross Blue Shield of Arizona Health Insurance Company

Blue Cross Blue Shield of Arizona is a very strong Arizona health insurance company and offers coverage to many AZ individuals, families, and businesses. What many people do not realize is that the Blue Cross and Blue Shield Association is a national federation of 39 independent, community-based and locally operated Blue Cross and Blue Shield companies that collectively provide healthcare coverage for more than 99 million – one in three – Americans. The Association is headquartered in Chicago, with offices in Washington, D.C. As an Arizona resident there are many different plans available to meet your needs.

Blue Cross Blue Shield of Arizona Health Insurance Plans

• Flexible Spending Account (FSA)

Flexible spending accounts allow members to use pre-tax dollars for certain eligible medical and dependent care expenses. Members fund their FSAs with contributions that come out of their paycheck. As an FSA administrator, Blue Healthcare Bank provides support for member pre-enrollment, group set-up, member enrollment, payment options, qualified medical expense substantiation, customer service, billing and reporting. Flexible spending account balances must be used up on an annual basis (usually by March of the year following the FSA contribution year).

• Health Maintenance Organization (HMO)

A Health Maintenance Organization (HMO) is a health care system that assumes or shares both the financial risks and the delivery risks associated with providing comprehensive medical services to a voluntarily enrolled population in a particular geographic area, usually in return for a fixed, prepaid fee. Collectively, the Blue Cross and Blue Shield System provides healthcare coverage for more than 99 million people in all 50 states, the District of Columbia and Puerto Rico. Today, more than 16 million people are members of a Blue Cross and Blue Shield HMO. Blue Cross and Blue Shield HMO members have access to healthcare benefits across the country.

• Health Savings Account (HSA)

Health savings accounts (HSA) are great ways for Arizona residents to save money with contributions into tax-advantaged accounts. Qualified contributions made to HSAs are tax-deductible, and funds withdrawn to pay for qualified medical expenses are tax-free. Depending on the level of integration a participating Blue company elects, Blue Healthcare Bank can provide support for HSA member pre-enrollment, group set-up, member enrollment, payment options, customer service, billing and reporting.

• Health Reimbursement Arrangement (HRA)

Health reimbursement arrangements (HRA) are accounts that employers can establish for employees to reimburse a portion of their eligible family members’ out-of-pocket medical expenses, such as deductibles, coinsurance and pharmacy expenses. Arizona residents that choose to purchase a Blue Cross Blue Shield policy have the services of the Blue Healthcare Bank at their disposal. As an HRA administrator, Blue Healthcare Bank provides support for member pre-enrollment, group set-up, member enrollment, payment options, qualified medical expense substantiation, customer service, billing and reporting.

• Indemnity and Traditional Coverage

Traditional health insurance provides members with the most freedom of choice, and offers the most control over your health care. Traditional health insurance, also known as indemnity or fee-for-service, allows members to select any provider, however, benefits are maximized when using a Blue Cross or Blue Shield participating provider (Warning: many indemnity benefit plans do not offer full comprehensive major medical coverage as indemnity plans typically have very limited benefit provisions in their policy contracts). Today, nearly 13 million people receive traditional (indemnity) healthcare coverage through a Blue Cross and Blue Shield company.

• Point-of-Service (POS)

Point-of-service (POS) coverage is a healthcare option that allows members to choose medical services that are needed and whether they will go to a provider within the BCBS plan’s network or seek medical care outside of the network. Currently, 4.8 million people are enrolled to receive POS coverage from a Blue Cross and Blue Shield company.

• Preferred Provider Organization (PPO)

A preferred provider organization (PPO) is a healthcare benefit arrangement designed to supply services at a discounted cost by providing incentives for members to use designated healthcare providers who contract with the PPO at a discount. Members enrolled in PPO coverage can also receive coverage for services by healthcare providers who are not part of the PPO network. Currently, 65.8 million people are members of a Blue Cross and Blue Shield PPO.

Blue Cross Blue Shield of Arizona Travel Health Insurance

When traveling inside of the U.S., Blue Cross Blue Shield offers their BlueCard Away From Home Care Program. When Traveling Outside of the U.S. BlueCard Worldwide is available. In addition, when working/living Outside of the U.S. BlueWorldwide Expat can be purchased.

Compare Arizona Health Insurance Quotes Now!

As an Arizona resident, Blue Cross Blue Shield has a wide array of options available for health insurance. Like anything, it is best to compare the prices and services available in each plan to see what best meets your insurance needs. Use our free quote finder at the top of the page and compare multiple Arizona health insurance companies side by side. Get a free Arizona health insurance quotecomparison now!

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