The BCBSAZ HMO plan features a large network of providers (doctors, hospitals, etc.). These providers are specially contracted with BCBSAZ to provide health care services to its members. In order to receive covered services, you must use the providers within the BCBSAZ HMO network. When you choose the BCBSAZ HMO plan, you’re not required to have a primary care physician (PCP) direct your care. This means you don’t need a referral to see a specialist or other ancillary providers within the BCBSAZ HMO network.

The BCBSAZ PPO plan features a large network of providers (doctors, hospitals, etc.) who are contracted with BCBSAZ to provide health care services to its members. When you use BCBSAZ PPO plan health care providers, you will usually have lower out-of-pocket costs than if you use providers who are not part of BCBSAZ’s PPO network. The BCBSAZ PPO plan is all about options. It’s a health plan that gives you freedom of choice from a large selection of providers.