Blue Cross Blue Shield of Arizona



Blue Cross Blue Shield of Arizona has health plans specifically designed for Arizona residents who don’t have health insurance through their employer. All of our readers of course know these plans are called individual health plans.

BCBSAZ is the health insurance company of choice in Arizona, entrusted by 1.1 million individuals from Phoenix and Tucson to Flagstaff, Prescott, Yuma and virtually every community in between. East Coast Health Insurance maintains an appointment with Blue Cross of Arizona, and if you put your zip code above in our Arizona health insurance quote engine, you will see quotes from BCBSAZ and all top Arizona health insurance companies.

In Arizona, Blue Cross only offers PPO plans to the individual health insurance market. They also offer HSA plans, which are on a PPO chasis.

All Blue Cross Blue Shield of Arizona Individual Plans Include
  • Physician office visits
  • Hospital benefits
  • Prescription medications
  • Routine vision exam
  • Routine physical exam and preventive screenings
  • Well-child care and routine immunizations

BCBSAZ PPO Plans

BlueOptimum Plus – A preferred provider organization (PPO) plan with copays covering in-network services such as office visits and urgent care.
BlueValue Plus – A PPO plan with a mix of copay and coinsurance cost sharing, and the flexibility of fixed generic prescription copays.
BlueEssential Plus – A low cost PPO plan with basic coverage and copays for three primary care physician (PCP) visits per year.
BlueBasic Plus -A PPO plan with copays for all covered PCP visits and coinsurance after deductible for all covered Specialist visits.

About BCBSAZ’s HSA-Eligible Plans

BCBSAZ offers high-deductible plan options that can be used with a Health Savings Account (HSA) where earnings can accrue tax-free. BCBSAZ’s HSA-eligible plan options include:
  • Choice of deductibles from $1,750 to $5,500
  • Flexibility to use non-contracted providers
  • Benefits and savings outside of Arizona through BlueCard®
BluePortfolio Plus – BluePortfolio is qualified high-deductible PPO plan for use with a health savings account (HSA). Choose from three deductible levels.

Exclusions and Limitations applicable to Individual and Family Plans

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. PPO plans cover only complications of pregnancy and exclude routine maternity. All plans require precertification for inpatient surgery, specialty injectable and certain other medications. Depending on the plan, failure to obtain required precertification will result in a penalty or denial of coverage. Except for mammography, foreign travel immunizations, and routine vision exams for members under age 5, 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.