Health Net of Arizona

Health Net of Arizona offers the following products:

• HMO $250 Deductible/ 80% Coinsurance offers members the benefits of an HMO with a $250 deductible for individuals and $500 for families.  Coinsurance is 20% after the deductible is met.  Some services require copays. Services covered include preventative care, prescription drugs, and hospitalization.  Members appoint a primary care physician who will manage their healthcare needs and refer them to network specialists if needed.
  
• HMO $1,000 Deductible/70% Coinsurance offers members similar coverage to HMO $250.  Individual members of HMO $1,000 must pay a $1,000 deductible before coinsurance benefits apply.  Families must pay a $2,000 deductible.  Coinsurance is 30%. 
• Health Net of Arizona offers four PPO plans with deductibles ranging from $500 to $5,000 for individuals and $5,000 to 10,000 for families when using network providers.  Non-network providers have separate deductibles. Coinsurance is 20% for network providers and 40% for non-network providers after deductibles have been met.  In some cases, members will not be charged or will have to pay a small copay when using network providers.  Coverage includes hospitalization, preventative care, ambulance services, and prescription drugs.  PPO members are able to use the physician of their choice without being referred.

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• HSA-Compatible High Deductible PPO plans offer members several benefits.  Members can choose any provider without referral, although members will save more money when using network healthcare providers.  Qualified medical expenses are paid using pre-tax dollars, enabling many members to save on their taxes.  Members contribute to an HSA fund.  Any money and interest not used on a yearly basis on medical expenses rolls into the next year, allowing members to use their HSA account as a long term savings plan.  Deductibles for these plans range from $1,750 to $5,150 per year.  Coinsurance is 20% under some plans for network providers.  Other plans do not have any coinsurance requirements for network providers.  Non-network providers have 50% coinsurance after a separate deductible has been met.  Benefits cover office visits, prescription drugs, and hospitalization.  

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The above summary is for informational purposes only.  This site is an informational resource only, and cannot issue health insurance policies. The summary above indicates no relationship, express or implied, with the carrier profiled. If you request a quote, we cannot guarantee that the broker or company who contacts you will be affiliated with any certain insurance carrier or product. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.