CIGNA Health care insurance Company of Arizona is known as a solid selection for those attempting to find affordable AZ health coverage coverage. Perhaps less known any amount of other health-related companies, CIGNA 's been around since 4 seasons 1792 should the Insurance corporation of The us (INA) was formed by just a selection of citizens in Philadelphia, Pennsylvania. The firm started offering medical health insurance every time they acquired the HMO network of La in 1978. 12 months later the organization acquired HMO's in Phoenix, Arizona plus in Dallas, Texas. In 1982 the firm became called CIGNA when INA and Connecticut General Insurance Corporation combined.
Nowadays CIGNA continues to develop in almost every state they supply coverage in, as well as state of Arizona is absolutely not very. CIGNA covers about 500, 000 members in your state of Arizona alone through their Arizona Health Maintenance Organization (HMO) network, their Preferred Provider Organization (PPO) network in addition to their AZ Health Savings Accounts plans, a much numbers carry on growing. The biggest coverage area inside the state is Phoenix where about 150, 000 members can be found and also the company has over 20 offices on the metro division of this city.
Based in the state while in the area of Phoenix because is the largest member area with the state as discussed before, the corporation offers their benefits to residents from the following counties: Apache, Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai and Yuma. Independent of the network of plans in the list above they feature Medicare Advantage plans, Medicaid and Point and services information (POS) plans. Though the company is not just a major insurance firm in the States, it's grew even larger and experts predict that it's going to continue its progress through 2008. With only 5 states where it gives you coverage (Tennessee and Florida being those where it offers expanded just about the most ), it's only expected of the fact that company continue to keep expand across America.
Within Arizona, CIGNA offers merely one plan which can be suitable for the final man or woman who is seeking a well-developed, low-cost and comprehensive coverage Arizona medical health insurance plan. The project is available for those that are 18 years or older, families with children roughly 18 yoa or 23 that the son/daughter is definitely a regular student and youngsters residence adult subscriber who're not less than A couple of months of aging. That allows someone to receive coverage, the firm asks that the person resides within among the service areas a minimum of 9 or more months, unfortunately if you should recently shift to something area it's essential to wait the required period that you can have enough knowledge to try to find a CIGNA plan.
The service areas within Arizona are separated into two. The Phoenix service area incorporates the counties of Maricopa additionally, the capital of scotland - Apache Junction. On the contrary the Tucson and Southern Arizona service area covers the counties of Cochise, Graham, Greenlee, Pima, Pinal and Santa Cruz counties.
The nice thing about this blog CIGNA AZ plan's who's covers everything one can possibly consider in regards to health related. For medical doctor (PCP) services part be forced to pay $25 minus the limit on visits with the 365 days. For specialists they're just necessary to pay slightly higher ($50) but like PCP visits, there's not a restriction on visits. Other services that happens to be taught in take into account that your member won't must pay 1 cent are lab and x-rays and hypotension checks.
The prescription coverage side of your policy is split into three tiers like several insurance agencies do. For generic drugs any person can be expected to cover $15, for branded medications utilised together anticipate paying $40 too as for specially drugs they may be most likely to settle to $60 dollars. The emergency care fee is $150, however there are special places inside the Arizona service areas which have been sponsored by way of the company called CIGNA Medical Group Urgent Care, that the member can speak to avoiding the er fee. Through this group urgent care facilities, part will most definately be forced to pay $75.
The protection for Inpatient Care holds a $1, 000 year deductible for individual in addition to a $3, 000 year deductible pre family. After getting met the deductible you may simply be asked to pay a 20% co-insurance. For Outpatient Care the member gets the same deductibles as well as the same 20% co-insurance following a deductible has long been met. One difference is this : in outpatient every diagnostic test or x-ray perhaps a CT, MRI, MRA or PET would come with $100 copayment.
Other important matters that this plan offers include chiropractor services for $50 an unscheduled visit (a restriction of 12 visits per twelve months ), maternity care in places you wont need to pay anything for prenatal and post-partum exams, but during this writing delivery a 20% co-insurance is used. Vision coverage can be worth mentioning, you'll pay $30 first exam per year or so with a CIGNA vision center. You need to remember assuming you have an eye on exam in a different place, you'll cough up a high price correctly.
Family planning services will be covered, although infertility treatment method excluded from the equation so you must go elsewhere for the. The master plan now offers short-run rehabilitation, mental health services, addiction services and detox services. Out-of-pocket maximums because of this plan are $3, 000 for individual and $10, 000 to a family event and also the lifetime benefit is unlimited. This last part will mean that once you make it to the out-of-pocket maximum with a 365 days you won't need to be slashed off coverage.
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