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Medical Plan Options

As you shop for a health plan, it’s important to know your options. There are different types of plans available for you to consider.

Affordable Care Act (ACA) Health Plans

BCBSAZ offers ACA plans in all counties except Maricopa. You can find these plans on the Health Insurance Marketplace. Plans include:

  • Financial help available from the government to help pay for monthly premiums and reduce out-of-pocket shared costs
  • Medical coverage including doctor visits, urgent care, etc.*
  • $0 preventive services such as well woman visits, immunizations, flu shots, etc.**
  • Coverage for pre-existing conditions

Youtube Como elegir un plan de cuidado de salud

How to choose a Healthcare Plan
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*All plans for individuals and families do not cover services outside of the network, except for emergencies and other limited situations with BCBSAZ pre-approval. All plans have limits, exceptions, and members cost share requirements.
**Applies to covered services submitted with a preventive diagnosis.

Short-term Health Plans (Non-ACA Plans)

You may want to consider an alternative health plan option such as short-term medical. This type of plan is available for 30 – 90 day temporary coverage. Plans include:

  • Doctor visits,* hospital stays, and more
  • Options to add Rx drug benefits, out-of-pocket expense coverage, and telemedicine
  • Enroll any time of the year -- there’s no deadline
  • Reapply for another 30 – 90 days of coverage anytime
  • Excludes pre-existing medical conditions

Youtube Medical Plans

Medical Plan Options
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STM plans are offered by The IHC Group and underwritten by Independence American Insurance Company (IAIC), a member of The IHC Group. The IHC Group and IAIC are independent companies that do not provide, offer or sell BCBSAZ products or services and are solely responsible for the products and services they provide. Short-term medical (STM) insurance is temporary coverage with limited benefits. It is not ACA compliant, doesn’t cover pre-existing conditions and is not guaranteed-issue. You may still be subject to a federal tax penalty.
*One office visit copay per person per 30-90 day coverage.