CIGNA Health Insurance Company of Arizona is really a solid option for individuals searching for affordable AZ health insurance coverage. Possibly less well-known as numerous other health care companies, CIGNA has been available since the entire year 1792 once the Insurance Company of The United States (INA) was created by several people in Philadelphia, Pennsylvania. The company began offering health insurance once they acquired the HMO network of La in 1978. Annually later the company acquired HMO's in Phoenix, Arizona as well as in Dallas, Texas. In 1982 the company grew to become referred to as CIGNA when INA and Connecticut General Insurance Corporation combined.
Nowadays CIGNA has ongoing to develop in each and every condition they provide coverage in, and also the condition of Arizona isn't the best. CIGNA covers about 500,000 people within the condition of Arizona alone through their Arizona Health Maintenance Organization (HMO) network, their Preferred Provider Organization (PPO) network as well as their AZ Health Savings Accounts plans, as well as that amounts keep growing. The biggest coverage area inside the condition is Phoenix where an believed 150,000 people are situated and also the company has over 20 offices within the metro section of this city.
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Based inside the condition within the town of Phoenix because may be the biggest member area inside the condition as talked about before, the company offers their advantages to citizens from the following areas: Apache, Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai and Yuma. Aside from the network of plans in the above list they provide Medicare insurance Advantage plans, State medicaid programs and Reason for Service (POS) plans. Even though the company itself isn't a major insurance company inside the U . s . States, it's ongoing to develop and experts predict that it'll continue its progress through 2008. With simply 5 states where it provides coverage (Tennessee and Florida to be the ones where it's broadened probably the most), it is just expected the company still expand across America.
Within Arizona, CIGNA offers just one plan that's great for the overall person that's searching for a properly-developed, low-cost and comprehensive coverage Arizona health insurance plan. The program is open to people which are 18 years old or older, families with children as much as 18 years old or 23 when the boy/daughter is really a full-time student and kids with no adult customer who're a minimum of 3 several weeks old. To ensure that you to definitely receive coverage, the company asks a thief resides within among the service areas not less than 9 several weeks or even more, regrettably should you lately proceed to something area you have to wait the required quantity of time and energy to have the ability to buy a CIGNA plan.
The service areas within Arizona are split into two. The Phoenix service area includes the areas of Maricopa and Apache Junction. However the Tucson and Southern Arizona service area covers the areas of Cochise, Graham, Greenlee, Pima, Pinal and Santa Cruz areas.
The positive thing about that one CIGNA AZ plan is it covers everything it's possible to think about if this involves health care. For doctor (PCP) services an associate be forced to pay without any limit on visits with the twelve months. For specialists they're needed to pay for a bit greater () but like PCP visits, there's not really a limit on visits. Other services that are handled by the program that an associate will not need to pay just one cent are lab and x-sun rays and bloodstream pressure inspections.
The prescription coverage side from the policy is split into three tiers like a number of other insurance companies do. For generic drugs an individual to expect to pay for , for brand medicines they ought to count on paying as well as for specifically drugs they're likely to repay to dollars. The emergency care fee is 0, however you will find special places inside the Arizona service areas which are backed through the company known as CIGNA Medical Group Urgent Care , that the member can turn to to be able to steer clear of the er fee. Within this group urgent care facilities, an associate will just pay .
The policy for Inpatient Care holds a ,000 year deductible for individual along with a ,000 year deductible pre family. Once you have met the deductible you will simply be needed to pay for a 20% co-insurance. For Outpatient Care the member has got the same insurance deductibles and also the same 20% co-insurance following the deductible continues to be met. The only real difference is the fact that in outpatient every diagnostic test or x-ray like a CT, MRI, MRA or PET would come with 0 copayment.
Other essential things the plan offers include chiropractic specialist services for a trip (a restriction of 12 visits per twelve months), maternity care that you won't be required to pay anything for prenatal and publish-partum exams, but during the time of delivery a 20% co-insurance is used. Vision coverage can also be worth mentioning, you'll pay for just one exam per twelve months in a CIGNA vision center. You should observe that for those who have a watch exam elsewhere, you'll be billed full cost for this.
Family planning services will also be covered, although infertility treatment methods are excluded from the equation and you would need to go elsewhere for your. The program also provides temporary rehab, mental health services, drug abuse services and detox services. Out-of-pocket maximums with this plan are ,000 for individual and ,000 to see relatives and also the lifetime benefit is limitless. This last part implies that should you achieve the out-of-pocket maximum inside a twelve months you won't be slashed off coverage.
CIGNA Health Insurance Provider of Arizona Review
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