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Types of Costs

Getting sick is costly both in terms of time away from work, time away from family and activities you'd rather be doing – and money.
Finance sheet and calculator

Understand the Terms of Your Plan, so You Can Find the Plan that Works Best for You.

When selecting a plan, keep the following costs in mind:

  • Contribution Amount – The monthly cost you pay for a health plan, like a membership fee for a gym.
  • Copay – A flat dollar amount you might pay for certain covered medical services.
  • Deductible – What you may be required to pay out-of-pocket each year for covered services before your health plan starts to share the costs.
  • Coinsurance – Shared medical costs between you and the health plan, after you meet your deductible. You may still have to pay copays or coinsurance after you meet your deductible.
Female doctor in office

See if Your Doctor Is in the BCBSAZ EPO/PPO Network.

Different plans include different doctors and hospitals. When a doctor is in-network, your out-of-pocket costs are usually lower.

Once you've picked the best plan for you, what are some other ways to save money?

Male technician taking blood pressure on a patient

Stay on Top of Your Health.

You wouldn't think of driving your car without changing the oil at least once a year, so why wouldn't you get a preventive check-up? Annual exams and other services may help catch problems before they become severe, or at least make you aware so you can manage a condition. Left unchecked, your health could suffer and your medical costs could be higher than if you sought treatment sooner. Take advantage of the preventive care services included in your plan:

  • Physical exams
  • Baby wellness exams
  • Tests and screening to check for problems
  • Immunizations
  • Help with quitting smoking

For additional preventive tools, see our Staying-Well Toolkit.

Female doctor examining a child's ear

Use Urgent Care Instead of an Emergency Room Whenever Possible

What do you do when you need medical care right away and your doctor's office is closed? Consider going to an urgent care center instead of an emergency room. Urgent care is often the better choice for non-emergencies such as:

  • Allergies
  • Colds & flu
  • Ear infections
  • Minor burns & cuts
  • Sore throat
  • Sprains & strains
  • Upset stomach

Urgent care centers typically have night and weekend hours and are located in places with easy access.

In an emergency, always dial 911 or go to the nearest emergency room.

Female doctor with file

Contact Nurse On Call

Not sure what your symptom may mean? Call the Nurse On Call service. There is no out-of-pocket cost to you. Available 24 hours a day, on-call nurses will answer questions and help guide you. When in doubt if it's an emergency, don't take chances, call 911 or go to the emergency room.

Bottle with pills

Be Smart When It Comes to Medications.

The Value of Generics – Generic drugs are "copies" of brand name drugs and are usually much lower in cost than brand name drugs. Ask your doctor if a lower-cost, generic drug will work for you.

Always consult with your health care provider regarding medical care or treatment as recommendations, advice, services or online resources are not a substitute for the advice, opinion or recommendation of your healthcare provider.