Frequently Asked Questions

As Far as We’re Concerned, Every Question Is Top-Tier
  • Triple Choice Plan
  • High Deductible Plan
  • The Triple Choice Plan, was created by Blue Cross® Blue Shield® of Arizona (AZ Blue) specifically for employees of the State of Arizona. This three-tier plan delivers three unique benefits:
    • Helps you easily find doctors, hospitals, and other healthcare providers that offer high-quality, cost-effective care
    • Gives you a wide choice of providers
    • Provides you with more control over your healthcare spending
  • This plan gives you the freedom to choose from any healthcare professional in the AZ Blue national network without a referral through a primary care provider (PCP). The plan offers you three different provider tiers to choose from. You will save the most money when you choose a Tier 1 provider.

    Tier1 In‑Network Providers Choose doctors and facilities from Tier 1 to get the highest level of benefits.
    Tier2 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.
    Tier3 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 AZ Blue 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 AZ Blue 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 AZ Blue national network must meet our credentialing requirements.

  • To search for AZ Blue in-network providers, visit You’ll see the Tier 1 Ribbon icon next to all Tier 1 provider listings. Listings that do not feature the ribbon icon are Tier 2 providers.
  • Tier 1 and Tier 2 deductible and out-of-pocket maximums cross-apply. With Tier 3 providers, applicable costs go toward only your Tier 3 deductible and out-of-pocket maximum.
  • You have access to in-network providers nationwide and emergency coverage worldwide. Contact us at 1-866-287-1980 for coverage level details.
  • Yes, the BluePreferred Triple Choice Plan gives you the freedom to choose from any healthcare professional, whether they’re part of our network or not. Just remember that when you use Tier 1 providers, you will enjoy the lowest deductible and overall cost than with either of the other tiers.
  • Yes, doctors and healthcare facilities can verify your eligibility and benefits either by looking for the Tier 1 icon by going online to, using the Electronic Data Interchange (EDI), or by calling us.
  • 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 AZ Blue member ID card will list your deductible and copays for some types of visits. You can also compare tiers on our portal,, 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.

  • 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 HDHP is not tiered in the same way as the Triple Choice Plan. If you enroll in the State of Arizona HDHP (retirees are not eligible for this plan), you can choose from a vast list of in-network providers in Arizona and around the country. With this plan, you can also see out-of-network providers, but your out-of-pocket costs will be higher (usually that means you’ll have to pay the provider’s billed charges in full). For more answers, reference the HDHP FAQs.
  • 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.
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