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Overview of the PFFA Healthcare Trust Plans
We prioritize offering a range of health plan options through BlueCross BlueShield Arizona to meet the diverse needs of our members. Whether you're looking for more predictable expenses with a PPO plan or seeking savings through an HSA-compatible HDHP plan, we’ve got you covered. Our goal is to provide financial protection and comprehensive care for you and your family, from preventive services to managing unexpected medical events.
Your Available Plan Options
The PFFA Healthcare Trust offers the following four health plans through BlueCross BlueShield of Arizona. Please note that some employers may offer only a subset of these plans based on their individual needs.
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Your PPO Options
Below are the PPO options available to you. Consider each plan's features and how it fits your healthcare needs. Think about your budget, preferences for out-of-pocket expenses, and whether you prefer paying more upfront or having lower deductibles and copays.
PPO 500
Plan Snapshot
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Deductible: $500 individual / $1,000 family
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Coinsurance: 90%/10%
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Out Of Pocket Limits: $1,750 individual / $3,500 family
PPO 900
Plan Snapshot
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Deductible: $900 individual / $1,800 family
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Coinsurance: 80%/20%
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Out Of Pocket Limits: $3,250 individual / $6,500 family
Questions to Help You Choose
Choosing the right plan depends on a variety of factors. Consider the following questions as you evaluate which plan is best for you and your family:
If you expect frequent doctor visits, the PPO 500 or PPO 900 may provide more predictable expenses.
If you prefer lower monthly premiums, consider the HDHP 5000 or HDHP 3300, especially if you plan to save pre-tax dollars through an HSA.
Be sure to evaluate how your plan covers medications and whether copays apply until your deductible or out-of-pocket maximum is reached.
Compare premiums and out-of-pocket costs under each plan to see whether it’s more cost-effective to keep separate coverage or combine plans.
Your HDHP Options
HDHP 3300
Plan Snapshot
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Deductible: $3,300 individual / $6,000 family; Copays will still apply for RX until OOP is met.
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Coinsurance: 100%
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Out Of Pocket Limits: $4,000 individual / $8,000 family
HDHP 5000
Plan Snapshot
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Deductible: $5,000 individual / $10,000 family; Copays will still apply for RX until OOP is met.
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Coinsurance: 80% / 20%
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Out Of Pocket Limits: $6,450