Health Plans for Employers

About BCBSAZ's HSA-Eligible Plans

BluePreferred HSA Plus plan highlights:

• High-deductible PPO plans that can be used with a health savings account (HSA)
• Employee cost share based on deductible and coinsurance
• Option to encourage more employee responsibility in health care decisions
• BluePreferred HSA Plus paired with an HSA gives your employees a tax-advantaged method to manage qualifying medical costs

Exclusions and Limitations

These plans do not cover all health care expenses and have exclusions and limitations. All plans generally exclude coverage for services, medications, and supplies that are experimental, investigational, cosmetic, for treatment of sexual dysfunction, or which BCBSAZ deems not medically necessary. All plans require precertification for inpatient stays and specialty injectable and certain other medications. Depending on the plan, failure to obtain required precertification will result in a penalty or denial of coverage. Most preventive services are covered only at network providers. All plans impose member cost share requirements. Depending on the plan, cost share may include copays, access fees, deductibles and coinsurance in percentages that vary based on plan type, deductible level, provider's status, and benefit type.

About BCBSAZ's HMO Plans

BlueSelect HMO Plus plan highlights:

• A health maintenance organization (HMO) plan *
• Copays apply to many covered services
• PCP referrals are not required for visits to network specialists

Exclusions and Limitations

These plans do not cover all health care expenses and have exclusions and limitations. All plans generally exclude coverage for services, medications, and supplies that are experimental, investigational, cosmetic, for treatment of sexual dysfunction, or which BCBSAZ deems not medically necessary. All plans require precertification for inpatient stays and specialty injectable and certain other medications. Depending on the plan, failure to obtain required precertification will result in a penalty or denial of coverage. Most preventive services are covered only at network providers. All plans impose member cost share requirements. Depending on the plan, cost share may include copays, access fees, deductibles and coinsurance in percentages that vary based on plan type, deductible level, provider's status, and benefit type.

About BCBSAZ's Dental Plans

Dental health is more important than you may think. Studies show that dental health has a major impact on an individual's overall health and wellness. That means if you're looking to improve the health of your employee population, providing medical coverage may not be enough. And most importantly, dental coverage matters to your employees.

Enhance the value of your employees' dental benefits by offering orthodontia coverage. Eight of the BCBSAZ dental plans can be matched with any of the six orthodontia riders below, giving you the ability to customize the right plan for your employees.