CIGNA Health Insurance Company of Arizona was obviously a solid choice for those determining affordable AZ travel insurance. Perhaps not as accepted as many other medicinal companies, CIGNA has been around when the year 1792 when the Company of North North america (INA) was formed by a bundle of citizens in Philadelphia, Pennsylvania. The company started offering insurance policy when they acquired the HMO network of los angeles in 1978. A year later side acquired HMO's in Phoenix, Arizona and in Dallas , tx, Texas. In 1982 the particular business became known as CIGNA if it happens INA and Connecticut General Insurance corporation combined.
Nowadays CIGNA has grew even larger in every state offer coverage in, and the us is not an exception. CIGNA covers about 500, 000 members in the us alone through their Arizona Health Maintenance Organization (HMO) structure, their Preferred Provider Organization (PPO) network and their AZ Health Savings Passwords plans, not to mention that numbers expanding. The largest coverage area should it be state is Phoenix where it is estimated that 150, 000 members are located and the company has over 20 offices though utilizing metro area of making efforts city.
Based within circumstances in the city of Phoenix because may be a largest member area during the state as discussed previous, the company offers their reasons to like residents of the after having a counties: Apache, Coconino, Gila, Are generally Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai and Yuma. Apart from the network of plans in the list above they offer Medicare Rewards plans, Medicaid and Acquire Service (POS) plans. Although the company itself is not an major insurance company within in the states, it has continued growing and experts predict it may continue its progress throughout 2008. With only 5 states and offers coverage (Tennessee and Florida because the ones where it has exploded the most), it's only expected that the company continue to expand national.
Within Arizona, CIGNA offers only one plan that is perfectly for the general person that is seeking a well-developed, low-cost and comprehensive coverage Arizona health insurance cover plan. The plan itself are proven to individuals that are 18 changing times or older, families with children up to 18 yoa or 23 if the son/daughter was obviously a full time student and children without an adult subscriber who ? re at least 3 months of age. In order for so you might receive coverage, the company asks that a person resides within one of your service areas for a minimum of 9 months or more, unfortunately if you recently look at a service area you had better wait the specified amount of time for you to be able to search for CIGNA plan.
The service areas within Arizona are broken into two. The Phoenix service area incorporates the counties of Maricopa impressive city of Apache Verse. On the other kids finger the Tucson and Southern Arizona car port covers the counties involving your Cochise, Graham, Greenlee, Pima, Pinal and Santa Cruz counties.
The good thing about that one CIGNA AZ plan does it include covers everything one can think of on the inside health care. For medical practioner (PCP) services a member will be paid $25 with no limit on visits throughout the calendar year. For specialists saying to pay a little higher ($50) but always like to PCP visits, there is not a limit on visits. Other services that are addressed by the plan for which a member don't have to pay a single cent are lab and x-rays and high blood pressure checks.
The prescription coverage side of the particular policy is divided into three tiers many other insurance companies operate. For generic drugs a person can be expected to pay $15, for brand name medications they should anticipate paying $40 and for specially drugs they can expected to pay almost $60 dollars. The urgent care fee is $150, however there initially were special places within the one Arizona service areas which have been sponsored by the business manager called CIGNA Medical Group Urgent Care, that a member can go to to get rid of the emergency room price of interest. In this group speedy care facilities, a member will only need to pay $75.
The coverage for Inpatient Care gets a $1, 000 year deductible for individual for the $3, 000 year tax deductible pre family. After you have met the deductible you'll be required to accept a 20% co-insurance. For Outpatient Care the member your same deductibles and counterpart 20% co-insurance after the deductible may be met. The only difference usually that in outpatient every scan test or x-ray such as a CT, MRI, MRA or PET potential $100 copayment.
Other important things that the plan is include chiropractor services for $50 an appointment (a limit of 12 visitors per calendar year), maternity care in which you wont have to spend anything for prenatal and almost post-partum exams, but at the time of delivery a 20% co-insurance are these claims applied. Vision coverage is also worth mentioning, you will be paid $30 for one exam per calendar year at a CIGNA beliefs center. It is important to note that if yes an eye exam elsewhere, you will be charged full price for it.
Family planning services really are covered, although infertility treatment is left by the equation and you would need to go somewhere else to be able to. The plan also offers growing process rehabilitation, mental health web sites, substance abuse services to be able to detox services. Out-of-pocket maximums for this plan are $3, 000 make sure individual and $10, 000 to a family event and the lifetime relaxation is unlimited. This last part signifies that if you reach the out-of-pocket maximum within a calendar year state of mind cut off coverage.
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