The Triple Choice Plan, called BluePreferred® Care, was created by Blue Cross® Blue Shield® of Arizona (BCBSAZ) specifically for employees of the State of Arizona. This three-tier plan delivers three unique benefits:
|Tier 1||In‑Network Providers||Choose doctors and facilities from Tier 1 to get the highest level of benefits.|
|Tier 2||In-Network Providers||You receive in-network benefits for using participating network care providers. For some services, you’ll pay a higher out-of-pocket cost with a Tier 2 provider than you would with a Tier 1 provider.|
|Tier 3||Out‑of‑Network Providers||You will pay the highest cost for using out-of-network providers, and may be responsible for paying the full provider billed charges.|
The Triple Choice Plan is made up of three tiers. If your provider is not in Tier 1, but is part of the BCBSAZ national network (Tier 2), you will still enjoy in-network benefits. However, you will pay more out of pocket for certain services.
If your provider is not in the BCBSAZ national network (called an out-of-network provider), you will pay the highest out-of-pocket costs. In many cases, this will be the entire cost of the service or procedure.
Remember, if your doctor is not in Tier 1, it doesn’t mean they provide a lower standard of care. All doctors who contract with the BCBSAZ national network must meet our credentialing requirements.
This is the amount you pay for healthcare services before your health insurance begins to pay. You don’t need to pay a deductible for covered preventive care services if they are received in-network.
How it works: Your Tier 1 individual deductible is $200. You’ll pay 100% of eligible healthcare expenses until the bills total $200. After that, you share the cost with your plan by paying copayments.
This is a fixed amount you pay for a healthcare service, usually when you receive the service. The amount can vary by the type of service.
How it works: The plan determines what your copay is for different types of services, and when you have one. Remember, you have to satisfy your deductible before your copays apply. You will pay the lowest deductible when using Tier 1 providers.
Your BCBSAZ member ID card will list your deductible and copays for some types of visits. You can also compare tiers on our portal, azblue.com/stateofaz, before enrolling or log in to your member account after you’ve enrolled, or call us at . You can also look up your copay amounts through your member account on our website or by using our mobile app.
This is your share of the cost of healthcare services. It’s usually figured as a percentage of the amount allowed to be charged for services, and primarily applies when you use Tier 3 (Out-of-Network Providers). You start paying coinsurance after you’ve met your Tier 3 deductible.
How it works: Imagine you’ve paid $5,000 in healthcare expenses, meeting your Tier 3 deductible. The next time you go to your doctor, instead of paying all costs, you and the plan share the cost: The plan will cover 50% of the cost, and you’ll pay the remaining 50%—your coinsurance. That 50% is your coinsurance. Remember, your cost will be much less if you use Tier 1 or Tier 2 providers.
The Blue Cross® Blue Shield® of Arizona (BCBSAZ) HDHP was specifically created to give State of Arizona employees more control over their healthcare dollars as well as a plan option with lower premiums.
This High-Deductible Health Plan is designed to deliver key benefits while offering:
The difference between the plans is the yearly deductible. The HDHP has lower monthly premiums but a higher yearly deductible. The BluePreferred® Care plan has higher premiums and copays but a lower deductible. Another key difference is that with an HDHP you can elect to open a tax-advantaged HSA to help cover your qualified medical costs and pay down your deductible.
|BluePreferred® Care Plan||HDHP|
|Low deductible, higher monthly premiums||
High deductible, lower monthly premiums
Can open a tax-advantaged HSA to cover healthcare expenses
Yes; both plans provide access to all Blue Cross Blue Shield providers in Arizona and around the country. If you select the Triple Choice Plan you will pay less if you use Tier 1 in-network providers. These providers are clearly marked with the Tier 1 icon.
With an HDHP, you’ll need to meet your annual deductible before the coinsurance benefit kicks-in. After your deductible is met the plan pays 90% of eligible expenses; you pay 10%. This means when you receive services, your cost-share will be more until your deductible has been met. The HSA account is designed to help you offset those costs. All eligible healthcare expense—from doctor visits, urgent care visits, hospitalizations and prescriptions accumulate towards your deductible and out-of-pocket maximum.
(Single/Family) Type of Deductible
(Single/Family) (includes deductible and coinsurance)
Having an HSA, like the one available with your plan, can not only help you prepare for current and future health expenses, it can also help you save on taxes in three ways: The account can be funded through pre-tax contributions by you and your employer, which can help bring down your yearly tax burden. Any interest you earn in your HSA grows tax free. And withdrawals for qualified expenses such as doctor visits, vision and dental services, MRIs, and prescriptions are also tax exempt.
Unlike other health accounts, there is no “use it or lose it” with an HSA. The balance of your HSA rolls over year after year, allowing you to build reserves that can help with future healthcare needs or even be used in retirement. The funds in your HSA are yours to use even if you switch jobs or retire.
Although doing so is not recommended, HSAs can be used for unqualified expenses. If you do make any unqualified withdrawals, they are subject to applicable taxes and penalties.
To deposit money into an HSA, you must be enrolled in an HSA-eligible health plan. You are eligible if:
Yes. The IRS limits how much you (and others) can put into an HSA each year. The 2021 limits are: