Medical Plan Choices

Medical Plan Network Options 



For the upcoming plan year, effective January 1,  if you choose the Basic or Enhanced Plan, you may choose to pair your plan with either a Narrow or Broad Network within Blue Cross Blue Shield of Arizona.


Our Basic and Enhanced Plans are both High Deductible Health Plans (HDHP), compatible with a Health Savings Account (HSA).


We also offer a Premium PPO plan, paired only with the Broad Network.


Medical plans

Your Choice!

There are three unique medical plan options, but certain plans include a choice of the two networks listed below:

  • Broad Network - a comprehensive network throughout the country.
  • Narrow Network (High Performance Network/HPN) - a much narrower selection of providers who charge less for their services.

    Very Important: When you pair the Basic or Enhanced plan with the Narrow network, you ONLY have access to doctors and hospitals in that Narrow network and will NOT have the option of seeing providers outside of this network. 

What is the Narrow Network (High Performance Network / HPN)?

How does it work?

Learn the difference between HDHP and PPO

Broad Network (PPO)

Blue Cross Blue Shield of Arizona




Wide Choice

The Broad Network option is most characterized by choice. This Network avails one of the largest and most comprehensive list of providers and facilities in the country.  You also have the option of seeing providers outside of the network.


Things members should keep in mind

Our Broad Network medical plan offers a wide range of benefits and flexibility for individuals and businesses alike. One of the key features of pairing your plan with the Broad Network is the ability to choose your own healthcare providers without needing a referral. This allows for greater control over your healthcare decisions and ensures that you receive the best possible care.


The PPO provider charges are discounted, and there is no "balance billing" when using a provider from the network. Out-of-network care (using a provider not associated with the network) is different. Out-of-network providers may have higher charges and the ability to bill you for charges deemed "not covered" by our plans.

Narrow Network (High Performance Network / HPN)

Blue Cross Blue Shield of Arizona



By partnering with a select group of high-quality providers, this network offers superior care at lower costs, resulting in improved health outcomes and increased savings for employees. With access to leading hospitals, physicians, and specialists, you and your family can receive the best care possible while maintaining healthcare expenses in check.


Please know, the Narrow Network option is regionally limited. Please check the Narrow Network (HPN) search tool to make sure you are satisfied with the provider selection in your area.

Narrow Network (HPN) Provider Search

Medical Plan Choices

HDHP Plan Options

IMPORTANT: Both the Basic and Enhanced HDHP plan options allow you to choose between two unique network options: The BROAD Network and NARROW Network.


  • BROAD NETWORK: This network features a large, nationwide list of providers and hospitals, plus out-of-network plan benefits. 


  • NARROW NETWORK: This selection is less expensive out of your payroll, and providers charge lower fees for your care. However, the provider selection is more limited than the BROAD Network, and in some geographical areas, it may be prohibitively limited. Additionally, with the NARROW Network option, there is no out-of-network coverage.


Before electing the lower cost NARROW Network option, it is highly recommended that you first use the provider search feature to determine if there is an adequate participating provider list in your area.

PPO Plan Option

The Premium PPO Plan uses the BROAD Network option, only.


  • BROAD NETWORK: This network features a large, nationwide list of providers and hospitals, plus out-of-network plan benefits. 


Basic High Deductible Health Plan (HDHP)

  • Pairs with Narrow or Broad Network
  • Health Savings Account (HSA) Compatible Plan
*Review the providers in your area before choosing the Narrow Network option.
Feature In-Network Benefits
Calendar Year Deductible $3,500 Individual $7,000 Family (Embedded deductible)
Max. Out-of-Pocket $5,000 Individual $10,000 Family
Preventive Care Covered in Full
Dr./Specialist 80% After Deductible
Lab/X-ray 80% After Deductible
Hospital Services 80% After Deductible
Emergency Services 80% After Deductible
Prescription Drugs 80% After Deductible

Enhanced High Deductible Health Plan (HDHP)

  • Pairs with Narrow or Broad Network
  • Health Savings Account (HSA) Compatible Plan
*Review the providers in your area before choosing the Narrow Network option.
Feature In Network Benefits
Calendar Year Deductible $2,000 Individual $4,000 Family (Non-Embedded deductible)
Max. Out-of-Pocket $3,500 Individual $7,000 Family
Preventive Care Covered in Full
Dr./Specialist $20 / $30 copay After Deductible
Lab/X-ray $20 copay After Deductible
Hospital Services $350 copay After Deductible
Emergency Services $150 copay After Deductible
Prescription Drugs Tier 1: $10 copay After Deductible
Tier 2: $35 copay After Deductible
Tier 3: $70 copay After Deductible
Tier 4: 10% up to $250

Premium PPO Plan

  • This plan pairs with the Broad Network only
  • Compatible with the Flexible Savings Account (FSA)
Feature In Network Benefits
Calendar Year Deductible $2,000 Individual $4,000 Family (Embedded deductible)
Max. Out-of-Pocket $4,000 Individual $8,000 Family
Preventive Care Covered in Full
Dr./Specialist $20 copay / $40 Copay
Lab/X-ray 80%; No Deductible
Hospital Services 80%; After Deductible
Emergency Services $250 Copay
Prescription Drugs Tier 1: $10
Tier 2: $35
Tier 3: $50
Tier 4: $100

Learn about important differences between Narrow and Broad network options

The above illustrations are intentionally brief for easy and quick comparison. They are not intended to represent the complete benefit descriptions of the plans shown. Please refer to actual plan documentation for a complete explanation of benefits and exclusions.

Medical Plan Costs

(Pay Per Month)

BASIC HDHP PLAN

NARROW NETWORK

Coverage Tier <$50,000 Base Salary >$50,000 Base Salary
Employee Only $0.00 $20.00
Employee + Spouse $57.22 $107.22
Employee + Child(ren) $0.00 $50.00
Employee + Family $147.86 $222.86

BASIC HDHP PLAN

BROAD NETWORK

Coverage Tier <$50,000 Base Salary >$50,000 Base Salary
Employee Only $35.64 $55.64
Employee + Spouse $132.58 $182.58
Employee + Child(ren) $64.15 $114.15
Employee + Family $260.04 $335.04

ENHANCED HDHP PLAN

NARROW NETWORK

Coverage Tier <$50,000 Base Salary >$50,000 Base Salary
Employee Only $66.14 $86.14
Employee + Spouse $198.32 $248.32
Employee + Child(ren) $119.04 $169.04
Employee + Family $359.25 $434.25

ENHANCED HDHP PLAN

BROAD NETWORK

Coverage Tier <$50,000 Base Salary >$50,000 Base Salary
Employee Only $115.35 $135.35
Employee + Spouse $302.70 $352.70
Employee + Child(ren) $207.62 $257.62
Employee + Family $515.02 $590.02

PREMIUM PPO PLAN

BROAD NETWORK ONLY

Coverage Tier <$50,000 Base Salary >$50,000 Base Salary
Employee Only $348.66 $368.66
Employee + Spouse $801.51 $851.51
Employee + Child(ren) $625.97 $675.97
Employee + Family $1,189.38 $1,264.38

Premium Subsidy

Verra Mobility provides an additional medical premium subsidy for all benefits-eligible employees who earn an annual base salary under $50,000. Annual base salary for hourly employees is calculated by multiplying your hourly rate by 2,080 hours per year (overtime earnings are not included in the calculation). You must be enrolled in one of Verra Mobility’s medical plans to receive the subsidy.


The subsidy is provided through lower medical premium rates deducted from each paycheck while you are enrolled in a medical plan.


If the medical premium for the plan you elect is less than the subsidy, your premium cost will be $0 and you will not receive the difference. If your base salary is increased above $50,000, the subsidy will stop in the first paycheck reflecting your new pay rate.



Enrollment Subsidy
Employee Only $20
Employee + Spouse $50
Employee + Child(ren) $50
Employee + Family $75

Tobacco Surcharge and Cessation Program


Verra Mobility feels strongly that individuals should take responsibility for personal choices that may impact their health status.

Therefore, employees who certify that they are not tobacco users or have not used tobacco or nicotine products, including but not limited to cigarettes, cigars, snuff, chewing tobacco, pipes, electronic cigarettes, and electronic vaping devices, etc., regardless of method or frequency of use within the past six months, will pay less for medical insurance. All employees will be required to certify their tobacco use status during open enrollment and when first eligible for benefits.


If you currently use tobacco products, you can qualify for the discount by completing the American Lung Association (AlA) tobacco cessation program, which is available at no cost to you. Upon completion within 90 days of your benefits effective date, the non-tobacco discounted premiums will be retroactively applied via refund. We understand that quitting tobacco isn't easy, and we encourage you to contact ALA for cessation assistance and support. You will be assigned an AlA counselor who will provide individualized, one-on-one guidance through telephonic sessions. You will be required to complete 8 sessions within 90 days of your benefits effective date in order to qualify for the lower premium and retroactive refund of the surcharge. Download the tobacco cessation program enrollment form with the button below. Email the form to hifax@lung.org to get started.


We are committed to helping you achieve your best health. Employees enrolled in the medical plans are able to participate in these programs in order to avoid the surcharge. If you think you might be unable to meet the requirements to avoid the surcharge for any reason, contact totalrewards@verramobility.com to see if you might qualify for an alternate opportunity to avoid the surcharge.


Tobacco Cessation Enrollment Form

Prescription Drugs




No cost preventive medications for all members

The Affordable Care Act also requires that certain medications such as contraceptives or vaccines be covered 100% for all medical plans. For a list of covered preventive prescriptions, please download the list from the Resource section at the top of this page.


Expanded no cost preventive medications for HSA plan members

To ensure you are able to receive the preventive prescriptions you need to maintain your health, Verra Mobility covers an expanded list of preventive prescriptions for members enrolled in the HPN or National Plans with an HSA. This makes it more affordable for you to fill the prescriptions you need.


Preventive prescriptions are used for the prevention of conditions such as high blood pressure, high cholesterol, diabetes, asthma, osteoporosis, heart attack, stroke, and prenatal nutrient deficiency.


Under the HPN or National Plans with HSA, preventive prescriptions on the HSA Preventive Drug List are available AT NO COST to you before meeting your deductible.


For a list of covered preventive prescriptions, download the “HSA Preventive Drug List”, or email benefits@verramobility.com.


Additional Pharmacy Benefits Information

Go to https://www.azblue.com/pharmacy


Here you will discover several useful tools to help you manage your household's prescription drugs:


Mail Order Prescriptions

Employees enrolled in the Verra Mobility medical plans have access to mail order prescription delivery through BCBS. BCBS's mail order service is a convenient and cost-effective way for you to order up to 90-day supply of medication for delivery to your home. You will avoid having to visit a local retail pharmacy each month and save money on your prescriptions.


How to enroll in mail order
  • Have your doctor write your maintenance medication prescriptions for 90 days.
  • Enroll at azblue.com/member. Remember to have your mailing address, phone number, any known allergies, and payment information handy to begin service.

GoodRx

GoodRx can help you save on your prescription drug costs. Download the free mobile app or visit goodrx.com today to see how much you could be saving.


Getting started is easy

  1. Download the app or visit goodrx.com.
  2. Search fr you medications by name or condition
  3. Compare prices and choose a pharmacy nearby
  4. Fill your prescription and claim your savings


NOTE: GoodRx is not an insurance plan, nor does it replace your BCBS prescription drug coverage. It is a prescription pricing service that enable you to comparison shop for medications and instantly redeem savings. GoodRx lets you know if there are discounts and coupons available for your drugs, which can help you lower costs regardless of your medical insurance. If you have insurance, GoodRx allows you to view your costs through the plan and identify any restrictions before you go to the pharmacy.