CIGNA Health Insurance Company of Arizona might be solid choice for those looking out affordable AZ health Insurance coverage. Perhaps not as is renowned as many other soundness Care companies, CIGNA has been available since the year 1792 in case Insurance Company of The actual (INA) was formed by a group of citizens in Philadelphia, Missouri. The company started offering health Insurance every time they acquired the HMO network of los angeles in 1978. A year later the firm acquired HMO's in San francisco bay area, Arizona and in Facilities, Texas. In 1982 u . s citizens became known as CIGNA whenever INA and Connecticut Ordinary Insurance Corporation combined.
Nowadays CIGNA has grew even larger in every state they furnish coverage in, and florida is not an exclusion. CIGNA covers about 500, 000 members in florida alone through their Arizona Health Maintenance Organization (HMO) regional community, their Preferred Provider Organization (PPO) network their AZ Health Savings Memories plans, not to mention that numbers keep growing. The largest coverage area compared to the state is Phoenix where throughout 150, 000 members rent and the company leaving over 20 offices assuming they metro area of accomplishing this city.
Based within the condition of in the city of Phoenix because could possibly be the largest member area shopping around state as discussed before, the company offers their aspects of residents of the paying attention counties: Apache, Coconino, Gila, L . a Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai where as Yuma. Apart from the network of plans in excess of they offer MediCare To your plans, Medicaid and Getting Service (POS) plans. Although the company itself any kind of major Insurance company within the us, it has continued have to be and experts predict that it's going to continue its progress via 2008. With only 5 states because offers coverage (Tennessee and Florida beeing the ones where it has grew the most), it's only expected of which the company continue to expand online.
Within Arizona, CIGNA offers only one plan that is perfectly for the general person that prefer a well-developed, low-cost in comprehensive coverage Arizona nutrients Insurance plan. The plan itself are useful to individuals that are 18 years of age or older, families with children up to 18 years of age or 23 if the son/daughter may be full time student and children without an adult subscriber who're at least 3 months more mature. In order for basically receive coverage, the company asks that a person resides within one in this area service areas having a minimum of 9 months or extra, unfortunately if you recently move to a service area you should definitely wait the specified amount of time for you be able to purchase a CIGNA plan.
The service areas within Arizona are separated into two. The Phoenix attic incorporates the counties of Maricopa also know as the city of Apache Statement. On the other physically the Tucson and Southern Arizona flea market covers the counties when Cochise, Graham, Greenlee, Pima, Pinal where as Santa Cruz counties.
The good thing there is little one CIGNA AZ plan that may be covers everything one can think of when you're thinking of health Care. For primary Care physician (PCP) services task must pay $25 possessing limit on visits on the calendar year. For specialists to chat with you to pay a small amount higher ($50) but quite PCP visits, there is not any limit on visits. Other services that are covered by the plan for which a member will not pay a single dollar are lab and x-rays and stress checks.
The prescription coverage side of each policy is divided into three tiers like many other Insurance companies endure. For generic drugs a person can be expected to pay $15, for brand name medications they should expect to pay $40 and for specially drugs both are expected to pay of $60 dollars. The ab crunch Care fee is $150, however there are still special places within your current Arizona service areas around sponsored by the strategy called CIGNA Medical Family Urgent Care, that a member can go to to avoid the emergency room charges. In this group be quick Care facilities, a member will just have to pay $75.
The coverage for Inpatient Care features a $1, 000 year deductible for individual and a $3, 000 year tax decuctible pre family. After you have met the deductible you may simply be required to pay a 20% co-Insurance. For Outpatient Care the member has the same deductibles and an identical 20% co-Insurance after the deductible has always been met. The only difference would it be in outpatient every assessments test or x-ray include a CT, MRI, MRA or PET will include $100 copayment.
Other important things that the plan contains include chiropractor services for $50 an unscheduled visit (a limit of 12 remain per calendar year), Maternity Care in places you wont have to make payments anything for prenatal and just have post-partum exams, but in the course of delivery a 20% co-Insurance is simply applied. Vision coverage is also worth mentioning, you will pay $30 for one exam per calendar year at a CIGNA visual acuity center. It is important to note that do an eye exam some place else, you will be charged full price for it.
Family planning services will also be covered, although infertility treatment is left doable equation and you would have to go somewhere else inside a. The plan also offers fast cash rehabilitation, mental health website sites, substance abuse services and detox services. Out-of-pocket maximums from your plan are $3, 000 for up to individual and $10, 000 for family and the lifetime characteristic is unlimited. This last part connotes if you reach the out-of-pocket maximum instead of a calendar year you are not cut off coverage.
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