Medical-Blue Cross Blue Shield of Arizona Info
PXU offers five (5) different medical options; High, Middle, Low, Alliance (Limited Network) and an Alliance (Limited Network) High Deductible Health Plan (HDHP) with Health Savings Account (HSA) via Blue Cross Blue Shield of Arizona. The full Benefit Summaries for each option and premiums for the 2023-2024 plan year are referenced below.
Note: The Middle Option for Single Coverage will no longer be free effective 7/1/2023. The Low option will become our new, free "anchor" plan. Please see the "Plan Changes" section for additional information.
Two of PXU's medical options, the Alliance and the HDHP with HSA, utilize the limited Alliance network.
Limited Network Plans: Include selected In-Network doctors and hospitals that must be utilized for non-emergency care within the state of Arizona. The Alliance Network is made up of contracted hospitals and doctors that are part of Banner Health and HonorHealth (Formerly Scottsdale Healthcare and John C. Lincoln Health).
How do I choose?
With so many different options, sometimes it is hard to choose which one is right for you and your family. When making your choice, you need to weigh the premiums, deductibles and out-of-pocket maximums. In addition, two of the options utilize the smaller Alliance network, so you need to factor that in when making your choice also. Each of the above Benefit Summaries contain examples of possible out-of-pocket costs for common procedures (examples don't include premiums).
Four of our PPO Plan Options, High, Middle, Low & Alliance, follow a traditional design. The High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) works differently.
The main difference between our traditional plans and the HDHP/HSA option is addressed below:
- Except for preventable services, participants in the HDHP will have to reach their full deductible before the plan starts paying benefits. Our other plans utilize a co-pay system.
- The HDHP option is linked to a HSA which PXU will contribute towards in lieu of subsidizing dependent premiums.
For frequently requested forms and additional BCBSAZ resources, please check out the links below:
HDHP Preventive Medication List
Blue Distinction Program - Specialty Care
For more information on the Alliance network, please click below.
The link below shows basic best-case-worst-case scenarios and some pros and cons for the different options. Note: this is for illustration purposes only and doesn't factor in additional out-of-pocket expenses you may incur.
For the 2023-2024 plan year, PXU will contribute $75/pay check to your HSA for an annual maximum of $1500 if you are enrolled in the HDHP.
For more information on how an HDHP works. Please click the link below.
New for the 2023-2024 Plan Year - Conquer back and joint pain without drugs or surgery using the new Hinge Health tool. For more information, please click the link below.
The Blue Cross Blue Shield of AZ medical premiums will increase effective 7/1/2023 and the “anchor” plan will change to the Low Option. Consequently, the Middle Option will no longer be free. PXU will continue to cover the full premium for the Employee Only tier for the Low, Alliance and HDHP Options. Hence, if you want "free" Employee Only coverage, you will need to change your option to the Low, Alliance or HDHP.
Also, the High, Middle and Low Options will no longer be considered “grandfathered health plans” and will fully comply with the Affordable Care Act.
And, per Federal law, there are some mandated changes to Preventative Service coverage. Please open the link below for more information.
COVID Coverage Change Alert
During the COVID-19 federal Public Health Emergency (PHE), BCBSAZ aligned with the Centers for Medicare and Medicaid Services (CMS) expanded health benefit coverage guidelines, such as covering COVID-19 testing and testing-related services at no out-of-pocket cost.
As the incidence of COVID-19 cases has continued to diminish, CMS announced the May 11, 2023, end to the PHE. Effective July 1, 2023, BCBSAZ benefits will return to standard benefit provisions.
- COVID-19 testing and testing-related services (no member cost share) will return to the standard benefit (cost share based of place of service, examples: Urgent Care, Office Visit or Out-patient).
- Over-the-counter COVID-19 test costs will no longer be reimbursed (currently no member cost share).
- Standard requirements for pre-service review of COVID-19 testing, treatment, and admissions to post-acute care facilities will be reinstated (currently waived).
- Approved COVID-19 vaccines will continue to be covered as preventive services with no out-of-pocket costs when obtained in-network. Out-of-network (OON) vaccines (currently no member cost share) will incur standard OON charges (deductible and coinsurance).