Frequently Asked Questions
- PPO Plan
- High Deductible Plan
- You have access to in-network providers nationwide and emergency coverage worldwide. Contact us at 1-866-287-1980 for coverage level details.
- 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.
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.
Your AZ Blue member ID card will list your deductible and copays for some types of visits. You can also compare plan on our portal, azblue.com/stateofaz, before enrolling or log in to your member account after you’ve enrolled or call us at 1-866-287-1980. You can also look up your copay amounts through your member account on our website.
The percentage you pay for the cost of covered health expenses after meeting your deductible. For example, you pay 10% of the cost of a covered service and your health plan would pay the other 90%..
No. You have the freedom to use any doctor or hospital without being required to choose a primary care physician (PCP) or get referrals.
Except for the ACA StandardHealth with Health Choice plan which requires PCP assignment and specialist referrals.- Yes, emergency room and urgent care services are covered after you meet the deductible.
- Yes, adult children are eligible for coverage under the plan up to age 26.
- Yes, you can see any doctor you want. You are encouraged to use healthcare providers in the network because they’ve agreed to charge lower prices. For example, when you use a network doctor, you’ll usually pay less compared to one who is not in the network.
- The out-of-pocket limit is the most you have to pay for covered services in a plan year. If your deductible and coinsurance payments reach the out-of-pocket limit, your plan will pay 100% of covered services for the rest of the year.