Cheap Medical Insurance Companies Online in Arizona

Mention the idea of cheap medical insurance and most Arizona residents will laugh in your face. The very idea that medical coverage could still be cheap in this day and age is ludicrous – right? Well, until relatively recently that may have been true, but now there is a new form of medical coverage that could turn many people’s healthcare world up-side-down and save them a ton of cash in the process.

The new form of coverage is a Health Savings Account, also known as an HSA. These are special savings accounts that are funded with cheap tax-free dollars. You use these cheap dollars to pay for all of your medical bills each year, and since you are paying for your own doctor’s office visits, and paying for your own outpatient needs, and paying for your own specialists and paying for your own prescriptions, there is no one to tell you which doctors or what pharmacy you have to use. You are in full control of your own health care.

And since you are paying for everything with tax-free money you are saving the equivalent of approximately 25% on all of your costs.

Also, since you save money by needing medical treatment less, you have a tremendous incentive to stay healthy. You have an added reason to stop smoking or using chew and you have a great reason for skipping as many fast food meals as you can and watching your weight.

Another tremendous advantage to a Health Savings Account is that any cash left in the account at the end of a year can be rolled over into the next year. This means that over time you could build up a nice tax-free retirement nest egg – especially if you keep yourself healthy.

Obviously there are some things none of us have any control over – such as a totally unexpected catastrophic accident or illness. Such an event could wipe out our life savings or even force us to sell our home in virtually the blink of an eye.

Your Health Savings Account has you covered there, as well. You will be required to purchase a cheap super-high-deductible health insurance policy which will protect your assets if you should suffer a catastrophic event.

But your best bet – by far – for saving money on your health insurance is to buy your policy online. Online insurance sellers can sell health policies at a discount of 20 or even 30%! It’s just like buying your coverage at wholesale – and who would pass up the opportunity of saving that kind of money every single month while still getting the best health protection in the world?

Cheap Medical Insurance Online in Arizona

Cheap medical insurance is an idea that has thousands of Arizona residents almost salivating. For most Arizona residents it has been so long since they have been able to get cheap medical coverage that they have given up all hope of ever seeing a low-cost policy again. Take heart, because all hope is not lost. There is a relative new and almost unknown form of health coverage that can save virtually everyone thousands of dollars a year while still providing them with full medical protection.

This new form of coverage is called a Health Savings Account, or HSA. An HSA is a very special savings account that you put cheap tax-free dollars into. You then use your tax-free savings to pay for all of your own medical needs during the year.

Since you are paying for your own doctor’s visits and your own specialists and your own prescriptions you can pick and choose any doctors you want and any pharmacy you want with no interference whatsoever from anyone. You are in total control. And since you are paying for everything with tax-free money it’s equivalent to a savings of approximately 25%.

Another huge benefit of a Health Savings Account is that any money remaining in the account at the end of a year is rolled over into the next year – tax free! That means over time it is possible that you could build up a nice tax-free nest egg that you can spend as soon as you start using Medicare.

Obviously this type of plan works best for people who are generally healthy. In fact, the majority of healthy young individuals and families could do quite well investing in this type of health plan. This type of medical coverage encourages individuals to quite smoking or using any tobacco products and it encourages people to lose weight – because the healthier you are the more you save!

Of course the surest way to save money on ANY health plan is to buy your policy online. As everyone knows, online insurance sellers have almost no overhead plus they have a lot of competition – two things which add up to incredible savings for you.

In fact, buying your medical policy online is equivalent to buying it at wholesale – and wouldn’t you rather buy wholesale than pay retail?

Aetna Health Insurance Company of Arizona Review

Aetna Health Insurance Company of Arizona is a top notch choice for Arizona health insurance. Of course, no one insurance company is the best fit for everyone’s needs so let’s take a closer look at some of the Arizona health insurance plans offered by Aetna and see if they may be a good fit for your medical insurance needs.

Aetna has been in the picture of the American consumer since 1850. In that year it was founded in the state of Connecticut to sell life insurance. Nowadays this insurance company is one of the nation’s leaders in health care, dental, group plan and disability insurance. It is because of their continual growth within the United States that the company now has an estimated 15.8 million medical members, 13 million dental members and 10.6 million pharmacy members. They serve in all 50 states of the nation including the state of Arizona and it is in this state that just recently in 2005, the company introduced Medicare advantage plans.

The state of Arizona with approximately 6,166,318 million inhabitants is one of the fastest growing states in the nation with a 20% increase in population from 2000 to 2006. What the company does to accommodate their members in the state of Arizona is split the counties in which it offers coverage into two areas. The rate of your health plan and your providers will change according to the area in which you live in.

The areas will also determine which network of specialists they will be using when is time for them to receive health coverage. Area one includes the following counties: Apache, Cochise, Coconino, Gila, Graham, Greenlee, La Paz, Mohave, Navajo, Pinal, Santa Cruz, Yavapai and Yuma. These counties are all under the Preferred Provider Organization Network or PPO, meaning that their in-network coverage will include all the PPO network providers. In case that they use someone that is not included under the PPO network, they will have to pay out of network costs.

The second area is very different than the first one in that it only covers the counties of Maricopa and Pina. These two counties fall under what Aetna calls the Aexcel Network. This type of network is very different than any other one simply because is a network exclusively for specialists. These specialists are classified by Aetna because they have demonstrated cost-effective coverage and excelled in medical coverage efficiency. Members of this network can choose to select specialists within twelve areas. Those twelve areas involve cardiology, cardiothoracic surgery, gastroenterology, otolaryngology, neurology, neurosurgery, general surgery, obstetrics and gynecology, plastic surgery, urology and vascular surgery.

It is also important to highlight that Aetna members that chose any specialist within this network will not be charged more because of it. They are covered under their plan and they can choose to attend anyone in the network of specialists at any time.

The first insurance company to offer consumer directed health plans, Aetna receives a rating of A by A.M. Best making it an excellent choice for anyone looking to purchase health care coverage. They have over 793,000 health care professionals affiliated to them, 462,000 primary care doctors and physicians and 4,716 hospitals within the United States and they continue to grow. In the state of Arizona, they have established themselves are one of he biggest health insurance companies and at the moment they offer 8 plans that people looking for health coverage can choose from. Below you will see each plan listed and a brief description of what it offers.

PPO 1000: With this plan you will have a $1000 deductible per individual and $2000 per family. All members of this plan will use the PPO network and their out-of-pocket maximum would be $2500 for individual and $5000 for family. You will be paying a $20 for office visits ($35 if the visit involves a specialist) and prescription coverage is divided into three tiers (generic, brand name and specialty) with prices of $15, $25 and $40 respectively. The last thing worth mentioning about this plan is that for hospitalization you will pay 20% after you meet your deductible.

PPO 1500: The premiums in this plan are moderately high and they offer a $1500 deductible for individuals and $3000 for family. The coverage is almost the same as the first plan described because they shared the same copayments when for doctor visits, specialists and hospitalization. Some different things are the prescription coverage which would range from $15 to $40 and that the maximum out of pocket would be a little more expensive, $3000 for individual and $6000 for family.

PPO 2500: As expressed in its name the deductible for this coverage is much higher with $2500 for individual and $5000 for a family. The copay for hospitalization is the same as the other two plans discussed before, however the doctor copay varies with $25 for office visits and $45 for specialists. Out-of-pocket maximum is $5000 for individual and $10000 per family, and prescription drug coverage ranges from $15 to $40 dollars.

PPO 5000: Premiums for this plan are much lower than all the other ones simply because it has a high deductible in case of using the services. If you choose this plan you will have a deductible of $5000 for individual and $10000 for family. Your office visits will also be $25 with a higher cost of $40 for specialists. Hospitalization is also 20% after the deductible and prescription coverage also ranges from $15 to $40. The out-of-pocket maximum is much higher however, with $7500 individual and $15,000 per family accordingly.

PPO Value 2500: This plan offers you moderately high out of pocket expenses and copays, but the moderate monthly premiums balance it out. The office visits vary because for your 1st and 2nd visit you will only pay $30, however after the 3rd visit you will be charged 30% after you pay your deductible. The deductible is $2500 for individual and $5000 for family, while the out-of-pocket maximum is $5000 for individual and $1000 for family respectively. Once again we see the prescription coverage divided into three tiers with the copays of $15, $35 and $50 respectively.

First Dollar PPO 35: With moderate premiums, moderate monthly payments and excellent prescription coverage this plan is one of the most famous within the state. You do not have a deductible and your out-of-pocket maximum is $3500 for individual and $7000 for family. Your office visits are $35 and $45 for specialists, while your prescription drug coverage is $15, $25 and $40 divided into the three tiers. The only thing that is a little bit more expensive is hospitalization for which you will have to pay a 35% co-insurance.

Preventive and Hospital Care 1250: This plan gives you the freedom to go to any recognized health care professional for treatment. Premiums are low simply because out-of-pocket expenses are a little bit higher. You have a deductible of $1250 for individual and $2500 for family the same amount of out-of-pocket maximum ($1250 and $25000). You are not covered for doctor visits and prescription coverage because it’s only a preventive care plan and for hospitalizations you will have to pay 20% after meeting your deductible.

Preventive and Hospital Care 3000: Like the other preventive plan discussed above, you can go anywhere if you are covered under this plan. Aetna offers this plan as a Health Savings Account compatible coverage, which means that you can pay for medical expenses on tax-advantage basis. With these plan you will have a $3000 deductible for individual and $6000 for family with an out-of-pocket maximum of $5000 for individual and $10000 for family. You will not be covered for doctor visits and prescription medication and you will have to pay a 20% co-insurance for hospitalizations after your deductible.

The Top 10 Pharmacy Technician Schools

To be a certified pharmacy technician, you must begin or continue your education in an accredited school/college. Listed below are some of the best pharmacy technician schools that offer different types of class schedules, course content and degrees. Feel free to read their description as some of them offers online education and some offers traditional classes.

National College:
Offers education on campus, its programs covers medical terms, medical administrations and calculation, law and ethics of healthcare and also human relations. It provides a one year diploma program and two year associate degree program with a course in Microsoft Office.

Everest College:
Have an on campus certificate program covering anatomy, physiology, nutrition pharmacy administration and also pharmaceutical calculations. A different edge to this program is it also offers customer service, organizational and computer skills program to give students the extra advantage.

Kaplan College:
Offers certificate and diploma programs on campus. The certificate programs are offered in Denver while the diploma programs in California, Arizona, Wisconsin and Nevada. Courses also offer hands on experience and class room training.

US Career Institute:
Is an online program offering a 4 month certificate program covering the human body, drugs and its dosages, pharmacy operations as well prepares you for the CPhT exam.

Remington College:

The on campus diploma program provides programs that include anatomy, physiology, dosage calculation, and pharmacology. It also equips students with the NPTA sterile product certification and prepares students for the PTCB’s certification exam.

Brown Mackie College:
The programs cover medical terminology, anatomy and physiology and also medical administration and pharmacy procedures. To provide it’s on campus associate degree program students with an edge, business courses are given so they might get employed easily.

YTI Career Institute:

Has a one year on campus diploma program covering medical terminology, pharmacology, pharmacologic calculations, pharmacy law & ethics, and computing. To ensure the success of its students, this college also provides guidance in terms of professional development and career success.

Virginia College:
This on campus education offers certificate, diploma and associate courses. It teaches students how to do consultations, counter dispensing, and preparing prescriptions in retail and hospital settings. To provide an extra advantage to its students, this school also offers job placement services.

Sanford-Brown College:
Trains it’s on campus diploma and certificate students in medication preparation, pharmacy computing, customer service and also inventory & billing. It also offers externship programs but includes lectures, and lab & clinical portions.

Sanford-Brown Institute:
Offering on campus diploma and certificate program, this college educates students on pharmacy computing, billing, customer service and medication preparation as part of its program. All these programs are then divided into sections such as lectures, clinical and labs, finishing off with an externship program top gain real world experience.

A good education begins at a good college, but a passion for the job will create a lifelong rewarding career. You can be studying at the best college but without the passion in the particular career, the experience would not be as rewarding.

Blue Cross Blue Shield of Arizona Health Insurance Company Review

Blue Cross Blue Shield of Arizona has a number of top notch health care solutions for Arizona residents. Perhaps one of the most famous health insurance companies in the United States is Blue Cross and Blue Shield. The company itself was found in the year 1929 in the state of Texas. Nowadays it is estimated that 99 million Americans are members of a Blue Cross and Blue Shield.

This means that one out of three Americans s covered by perhaps the biggest insurance company in the entire country. Today the company has access to all 50 states of the nation with its well developed plans and services. Since Blue Cross and Blue Shield is comprised of 39 independent, community-based and local Blue Cross and Blue Shield companies they each operate individually within their own state. It is known that the 39 independent entities represent the oldest and largest family of health benefit companies.

Blue Cross and Blue Shield of Arizona is no different than all the other states independent agencies. The entity on this state was founded on 1939, just ten years after the first independent BCBS was founded in the state of Texas. The company has main offices in the cities of Phoenix (headquarters), Tucson, Tempe and Flagstaff and is the place of work of an estimated 1500 employers. Blue Cross and Blue Shield of Arizona is given the A.M. Best rating of A (Excellent) because it provides great quality health care at an accessible price for their members and because it provides different plans that will perfectly meet the diverse population within the state. Blue Cross and Blue Shield of Arizona is one of the first options for the residents of the state because not only does it do business, but it volunteers with about 200 organizations through out the state.

Blue Cross Blue Shield of Arizona as said before offers excellent plans that can be purchased by anyone. From high deductibles with low monthly premiums to no deductible and low out-of-pocket expenses which can guarantee you a little higher premiums BCBS has it all. Because they are independent health insurance agencies they make up their own health insurance plans that they think will be liked by the consumer.

Below you will find a detailed description of the six plans offered within the state with the rates you should expect to pay when using the services. It is also worth mentioning that the plans offer different deductible and different copays for each deductible so you can basically choose whichever deductible option you wish from within the plan itself.

1. BluePreferred Copay: This plan works within the Arizona Preferred Provider Organization (PPO) network with a choice of you to visit providers of different networks. If you choose to follow the out of network path however, you will end up paying much higher than if you stick with the large PPO network. This plan offers deductibles of $250, $500, $1,000, $2,500 and $5,000 for an individual per calendar year with the family deductible being double those prices. The co-insurance for this plan is 20%, which means you will have to pay 20% of what the bill is in case you use a service which requires co-insurance.

The doctor visits are different for each deductible category, but they range from $15 if you choose the plan with a $500 deductible; to $35 if you choose the $5,000 deductible. Pharmacy coverage is a little different within this state because instead of dividing the drugs into three tiers, BCBS of Arizona divides them into four levels. Level one drugs will cost you $15, level two will be $34, level three $65 and the with a level four drug you will have to pay $120.

Inpatient and outpatient hospital care is subject to the deductible first and then to the 20% co-insurance and the emergency room fee if you happen to go and are not admitted in is $150. Other inpatient care such as maternity care, behavioral and mental health, rehabilitation and home care would be 20% co-insurance after you pay the deductible and it’s important to mention that preventive eye exams are covered by the plan and range from $15 to $35 depending on your deductible choice.

2. BluePreferred Saver: This plan also is part of the Arizona Preferred Provider Organization (PPO) network and gives you the choice to go out-of-network for a higher rate. With these plan you will have the choice of three deductible options that will double if you have a family coverage; those options are $1.500, $2,600, and $5,000. The co-insurance of this plan once you meet your deductible is of 0%, which means that you will be able to go use the services for no cost at all. BCBS of Arizona will pay 100% of the bill in selected services if you meet your deductible.

This plan is pretty much self explanatory because for doctor visits, preventive care, lab services, prescription coverage, inpatient and outpatient hospital care, inpatient mental health, inpatient rehabilitation services, ambulance services and urgent care you won’t have to pay a single dollar once you meet your deductible. You will pay $150 if you happen to go to the emergency room and are not admitted in before you pay your deductible, after you meet the deductible dollar amount however, this too is covered 100%. It is also worth mentioning that this plan is one of the two that BCBS of Arizona offers that is compatible with Health Savings Accounts.

3. BluePreferred Basic: This is another plan that operates within the Arizona PPO network but will give the member a chance to go out-of-network for a higher price. They have choices of $1,500, $2,500, $5,000 and $10,000 deductibles for individuals with family deductibles doubling those costs. For most covered services you will have to pay a 20% co-insurance after you meet the deductible option you selected, although a few services give you copay prices. For doctor visits they you will pay based on the deductible you selected, this means that if you selected a $1,500 dollar deductible you will pay $25, if you picked a $2,500 deductible your cost will be $30, for a $5000 deductible your rate will be $35 and for a person selecting the $10,000 deductible their doctor visits cost would be $40. Preventive services will not be counted towards the deductible so you will be allowed to pay 20% co-insurance from the start.

Prescription medications in this plan are divided only into generic drugs which you will pay $30 and brand name which you will pay $125. Other than those services all the other coverage which includes inpatient and inpatient care such as mental health services, rehabilitation services, skilled nursing facility and home care you will have to pay 20% co-insurance after meeting your deductible. The emergency room fee in this plan is $150 if you are not admitted and after meeting your deductible you will only have to pay 20% co-insurance.

4. BlueClassic: This type of coverage doesn’t follow any network because it is an indemnity plan. This means that the plan gives the member more freedom to go use services under any other network, but the plan is a little bit more expensive. It gives choices of $250, $500, $750, $1;250, $2;500 and $5;000 for individuals, with family deductibles being double the individual levels. The co-insurance for most services is 20% after you meet the deductible of choice if the service involves a co-insurance. For doctor visits and preventive care you will have to pay full price until you meet your deductible and then the company will pay 80% while you pay 20%.

Prescription medications once again are divided into four levels with level one being $15, level two being $35, level three $65 and the most expensive is level four which will require you to pay $120. Lab services, inpatient care, outpatient care and urgent services are all subject to deductible and co-insurance, as well as maternity care, behavioral and mental services, rehab services, skilled nursing facility services and home health services. For an emergency room fee you will have to pay $150 at first and then its subject to deductible and co-insurance.

5. BlueClassic Saver: This is another indemnity plan that gives the customer more freedom when deciding to use the services. With these plan you will only have the choice of a $5,000 deductible for an individual, $10,000 for a family. This plan is also easy to describe because the co-insurance that BCBS of Arizona pays is 100% after you meet the deductible. This means that after you pay the $5,000 your services such as doctor visits, preventive care, lab services, inpatient care, outpatient care, urgent care, maternity care, behavioral and mental care, home health care, rehabilitation care and skilled nursing facility care will all be covered 100%. It is important to mention that this is the other plan that BCBS of Arizona has for people that want a plan compatible with their Health Savings Account.

6. BlueSelect: The BlueSelect plan is an Arizona Health Maintenance Organization (HMO) network plan in which the person will be asked to choose a primary care physician (PCP) and will need referrals in case they want to go ask for a second opinion or see a specialist. With Plan 2 you will not have a deductible and you will pay $25 to go see your PCP and $40 for other doctors. Pharmacy coverage is divided once again into four levels for which you will pay $15, $35, $65 and $120 respectively. You will pay $750 for admission to inpatient surgery and $200 for outpatient. The only difference with Plan 3 is that you are required to have a deductible of $1,000, doctor visits will be $30 for a PCP and $40 for specialist and inpatient care would be subject to deductible while outpatient would be $300.