Benefit booklets (including, as applicable Summary Plan Descriptions and Summaries of Benefits and Coverage, Life insurance certificates and summaries, Dental and Vision booklets) can be requested form your employer’s Human Resources Department. Alternatively, you may contact the applicable vendor using the contact information included under the “Vendor Partner” tab.

Response: Replacement ID cards for Medical/Rx, Dental and Vision benefits can be requested by contacting the applicable vendor as included under the “Vendor Partner” tab.

There are two primary differences between these benefit designs:

• How cost shares work as far as out-of-pocket expenses paid by the member; and
• Annual limits and other terms of use for pre-tax treatment of members’ out-of-pocket expenses.

AZLGEBT’s PPO includes a combination of member cost-shares in the form of co-pays, a deductible   and co-insurance, all culminating in in-network annual out-of-pocket maximums that are specified in the Summary Plan Document for the applicable plan year. Once the applicable in-network out-of-pocket maximum has been satisfied, the plan pays 100% of eligible charges.  With the HDHP, members pay 100% of eligible in-network charges until the combined deductible/out-of-pocket maximums have been met, after which the plan pays 100% of eligible in-network expenses.

Portions of members’ out-of-pocket expenses for PPO plan participants may be paid on a pre-tax basis up to the annual federal limit using Flexible Spending Account (FSA) dollars contributed via payroll deduction by the member. For HDHP participants, the same is true through the use of their Health Savings Account (HSA) dollars, typically also made via payroll deduction. 

For more details and eligibility information, please contact your Human Resources department or the applicable vendor on the “Vendor Partner” tab.

For medical and prescription drug benefits your insurance provider is Arizona Local Government Employee Benefit Trust (AZLGEBT). Where this can be confusing is that AZLGEBT leases the Blue Cross Blue Shield of Arizona (BCBSAZ) network and the Blue Cross logo appears on member ID cards. With this in mind, and as a general reminder, please verify all providers and facilities that you plan to use are contracted with BCBSAZ to ensure your claims are paid as in-network.

A HSA is used in conjunction with a qualified High Deductible Health Plan that allows users to save pre-tax dollars that can be used for qualified Medical, Rx, Dental, or Vision expenses. Annual Contribution limits are IRS regulated and unused dollars roll over from year to year.

A FSA allows employees to designate a certain amount of income on a pre-tax basis to pay for qualified expenses as defined by the IRS. Funds do not roll over and are forfeited if not used. There are three types of FSA’s.

• Full Purpose – These dollars can be used for qualified Medical, Rx, Dental, or Vision expenses and are only available to Employees enrolled in the PPO Plan.
• Limited Purpose – These dollars can ONLY be used for qualified Dental and Vision expenses and are available HDHP Employees IN ADDITION TO the dollars they contribute to their HSA.
• Dependent Care – These dollars can be used for dependent care expenses for a qualified dependent for whom you are incurring eligible day care expenses.