What is a deductible?
A deductible is the amount of medical expenses you are responsible for paying before your insurance starts covering you. The deductible amount can be found in the CCT Summary Plan Description (SPD) booklet, which is available through your Talent Management/Human Resources Department, and also on this web-site
What is a co-payment?
A co-payment is a fixed-dollar amount that you are responsible for paying for a particular medical service. Co-payment services generally do not require the satisfaction of a deductible before payment can be made. CCT co-pay amounts can be found in the CCT Summary Plan Description (SPD) booklet, which is available through your Talent Management/Human Resources Department, and also on this website.
Do my copayments count toward the annual deductible?
No, copayment services do not count toward meeting the annual deductible.
What is coinsurance?
Coinsurance is the cost of a medical service that you are responsible for paying after satisfaction of the annual deductible. Unlike a co-payment, which is a fixed-dollar amount, coinsurance is expressed as a percentage. CCT’s coinsurance amounts can be found in the CCT Summary Plan Description (SPD) booklet, which is available on this web-site.
How do I find a BCBSAZ participating provider?
You can easily locate a provider by searching the provider directory at www.azblue.com/CHSnetwork.aspx. Or, if you prefer to speak with a Customer Service representative, please call AmeriBen at (855)258-6455.
Whom do I call to request additional ID cards?
You can request replacement cards by calling AmeriBen Customer Care toll-free at (855)258-6455 or online at myameriben.com. You should receive your new card within 7 to 10 calendar days from the date of your request
Do I have to get authorization, or a referral, for any services?
The medical benefit plan does require pre-certification of certain services. This program is designed as a cost containment measure through a company called AmeriBen Medical Management to maximize the Plan benefits and reduce unnecessary hospitalizations, surgical procedures, diagnostic and other services. Failure to comply with the pre-certification requirements may result in a $300 penalty, or may disqualify coverage of the benefit. It is always up to you, and the physician you choose, to determine what services you need and who will provide your care, regardless of what this Plan will pay for. Once a pre-certification is received, it is valid for ninety (90) days.
IMPORTANT: Pre-certification of a procedure does not guarantee benefits. All benefit payments are determined by AmeriBen in accordance with the provisions of this Plan.
Pre-certification is required on the following:
-Diagnostic tests and surgical procedures over one thousand dollars ($1,000)
-All non-emergency Hospital admissions or admissions to any type of care facility
-Maternity admissions that exceed forty-eight (48) hours (ninety-six  hours for Cesarean Section)
-Occupational, Speech and Physical Therapy treatment programs
-Psychological and neuropsychological testing
Call 1-800-388-3193 for more information.
AmeriBen’s growing critical mass enables us to partner with best-in-class networks and vendors; yet AmeriBen is still small enough to maintain its ever-constant focus on strategic flexibility and personal touch. Additionally, we possess the sophistication and nimbleness required to effectively administer both bundled and unbundled self-funded health plans.
Our mission extends well beyond accurately administering benefits as we focus on the greater mission of touching and improving lives. Our 350+ employees are acutely aware that there is a person behind every claim and a complex issue behind every call.