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CIGNA Health Insurance Company of Arizona is a solid choice for those looking for affordable health insurance coverage AZ. Perhaps not as well known as many other healthcare companies, CIGNA has been around since the year 1792 when the Insurance Company of North America (INA) was formed by a group of citizens in Philadelphia, Pennsylvania. The company started offering health insurance when they acquired the HMO network of Los Angeles in 1978. A year later the company acquired HMO's in Phoenix, Arizona and in Dallas, Texas. In 1982 the company became known as CIGNA when INA and Connecticut General Insurance Corporation combined.

Today CIGNA is in every state, they take cover, and the State of Arizona is no exception. CIGNA covers approximately 500,000 members in the state of Arizona through its Arizona Health Maintenance Organization (HMO) network, their Preferred Provider Organization (PPO) network and its AZ Health Savings Accounts plans, not to mention that the numbers continue to rise. The largest range within the State Phoenix, where an estimated 150,000 members, and the company has more than 20 offices in the metro area of the city.

With headquarters in the state in the city of Phoenix, as is the largest member of the area within the state remains the company provides the services for the residents of the following counties: Apache, Coconino, Gila, La Paz, Maricopa, Mohave, Navajo, Pinal, Yavapai and Yuma. Apart from the network of the above plans to Medicare Advantage plans, Medicaid and Point-of-service (POS) plans. Although the company itself is not a major insurance company within the United States, it has continued to grow and experts predict that it will continue its progress through the 2008th With only 5 states where it offers coverage (Tennessee and Florida is the place where she has the most), it is only to be expected that the company continue to expand across America.

In Arizona, CIGNA offers only one plan, which is good for the general person who is looking for a well-developed, affordable and comprehensive coverage of Arizona health insurance plan. The plan is for persons aged 18 years or older, families with children up to the age of 18 or 23, if the son / daughter is a full-time students and children without adult participants who are at least 3 months old. In order to receive coverage, the company insists that a person is located in one of the service areas for at least 9 months or more, unfortunately, if you recently in a service area, you must wait the specified amount of time for opportunity for you to buy a CIGNA plan.

The service areas in Arizona are divided into two. The Phoenix service area incorporates the counties of Maricopa and the city of Apache Junction. On the other side of Tucson, Arizona and South-service covers the counties of Cochise, Graham, Greenlee, Pima, Pinal and Santa Cruz counties.

The good thing about this AZ CIGNA plan is that it includes everything you can remember when it comes to medical care. For the primary care physician (PCP) services, which is a member to pay $ 25 with no age limit for journeys through the calendar year. For experts, they have to pay a little higher (50 U.S. dollars), but how PCP visits, there is not a limit to the visits. Other services covered by the plan for which a member does not have to pay a single cent are lab and X-ray and blood pressure checks.

The prescription coverage side of the policy is in three stages as well as many other insurance companies do. For generic one person be expected to pay $ 15 for brand medications, they should expect to pay $ 40 and for the drugs they are designed, it is expected that up to $ 60 U.S. Dollar. The emergency fee is $ 150, but there are special places in Arizona service areas, which the company CIGNA Medical Care Group urged that a member may be in order to avoid the emergency room fee. In this group urgent care facilities, a member will only have to pay $ 75

The coverage for inpatient care in the possession of a $ 1,000 deductible for each year and $ 3,000 years before the family deductible. Once you have the deductible you are only required to a 20% insurance. For outpatient care, the member has the same deductibles and the same 20% coinsurance after the deductible has been met. The only difference is that in practice, all diagnostic test or x-ray, like a CT, MRI, MRA or PET would be $ 100 copayment.

Other important things that the plan also offers chiropractic services to 50 U.S. dollars a visit (but not more than 12 visits per calendar year), maternity, where you normally have to pay for prenatal and post-partum exams, but at the time of delivery is 20% coinsurance. Vision coverage is also worth mentioning that you pay $ 30 for an examination per calendar year in a CIGNA Vision Center. It is important to note that if you have an eye exam somewhere else, you will be charged full price for it.

Family are also affected, although the treatment of infertility is left out of the equation, and you would elsewhere for that. The plan also provides short-term rehabilitation, mental health, substance abuse and detox services. Out-of-pocket maximum for this plan are $ 3,000 for individual and $ 10,000 for the family and the lifetime benefit is unlimited. This last part means that if the out-of-pocket maximum within a calendar year you will not be truncated to preserve.

The people in the state of Arizona and reside in the above areas should be reporting on the coverage that CIGNA offers. The company is just starting to be prominent in the United States (Florida and Tennessee, the majority of members). To find the best Arizona health insurance for your needs be sure and compare offers from top companies side by side. Get started searching and comparing health insurance companies today!