Medical Plan Selections
Medical plans
Your Choice!
There are six unique medical plan options, but certain plans include a choice of the two networks listed below:
- PPO Network - a comprehensive network throughout the country.
- High Performance Network/ HPN - a much narrower selection of providers who charge less for their services and agree to a higher level of managed care from Blue Cross Blue Shield of Arizona.
- Very important: If you are enrolled in a plan paired with the HPN Network, you are limited to only having your care and treatment covered if your provider/hospital is contracted with the HPN Network.
What is the High Performance Network / HPN?
How does it work?
3500 High Deductible Health Plan
- Pairs with The High Performance Network (HPN) or National PPO Network
- Health Savings Account (HSA) Compatible Plan
*Review the providers in your area before choosing the Narrow Network option.
| Feature | Benefit |
|---|---|
| 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 |
IMPORTANT: The 3500 High Deductible Health Plan, when using the Broad PPO network, means that in addition to having great access to more providers, the plan also allows "out-of-network" coverage. Meaning, the plan still pays for care when using a provider not on the PPO. Please note that if you choose to use a non-PPO provider, the provider may "balance bill" for charges not covered by the plan.
If you elect the lower cost
3500 High Deductible Health Plan and also elect to use the
Narrow network option, you are choosing an Exclusive Provider Organization (EPO) plan. This means there is
no "out-of-network" coverage. All care must be rendered within the EPO network and there is no coverage for expenses incurred at a non-network provider.
As an HDHP plan, all charges apply as an out-of-pocket expense until the deductible is satisfied. The exception would be Preventive Care, which is covered at 100%
You may view and download this plan's Summary of Benefits and Coverage (SBC) below.
2000 High Deductible Health Plan
- Pairs with The High Performance Network (HPN) or National PPO Network
- Health Savings Account (HSA) Compatible Plan
*Review the providers in your area before choosing the Narrow Network option.
| Feature | Benefit |
|---|---|
| Calendar Year Deductible | $2,000 Individual $4,000 Family (Non-Embedded Deductible) |
| Max. Out-of-Pocket | $2,000 Individual $4,000 Family |
| Preventive Care | Covered in Full |
| Dr./Specialist | 100% After Deductible |
| Lab/X-ray | 100% After Deductible |
| Hospital Services | 100% After Deductible |
| Emergency Services | 100% After Deductible |
| Prescription Drugs | 100% After Deductible |
IMPORTANT: The 2000 High Deductible Health Plan, when using the Broad PPO network, means that in addition to having great access to more providers, the plan also allows "out-of-network" coverage. Meaning, the plan still pays for care when using a provider not on the PPO. Please note that if you choose to use a non-PPO provider, the provider may "balance bill" for charges not covered by the plan.
If you elect the lower cost
2000 High Deductible Health Plan Plan and also elect to use the
Narrow network option, you are choosing an Exclusive Provider Organization (EPO) plan. This means there is
no "out-of-network" coverage. All care must be rendered within the EPO network and there is no coverage for expenses incurred at a non-network provider.
As an HDHP plan, all charges apply as an out-of-pocket expense until the deductible is satisfied. The exception would be Preventive Care, which is covered at 100%
You may view and download this plan's Summary of Benefits and Coverage (SBC) below.
National 1500 Plan
- This plan pairs with the Broad Network only
- Works with the Flexible Savings Account (FSA)
NOTE: Be sure to review HPN providers in your area before committing to the the Narrow Network option.
| Feature | Benefit |
|---|---|
| Calendar Year Deductible | $1,500 Individual $3,000 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 |
The 1500 National PPO plan features copayments, a lower deductible, and coinsurance. This plan works exclusively with the Broad PPO network, which means that the plan provides coverage for both in-network and out-of-network care. Some care, mostly outpatient and ambulatory services, are covered after a relatively low copay.
Please note that care rendered at a non-PPO provider will result in lower payments to the provider, and the provider may "balance bill" if the plan reimbursement does not cover the full claim.
HPN 2500 Plan
- Pairs with The High Performance Network (HPN) only
- Works with the Flexible Savings Account (FSA)
NOTE: Be sure to review HPN providers in your area before committing to the the Narrow Network option.
| Feature | Benefit |
|---|---|
| Calendar Year Deductible | $2,500 Individual $5,000 Family (Embedded Deductible) |
| Max. Out-of-Pocket | $6,850 Individual $13,700 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 |
IMPORTANT: The 2500 High Performance (HPN) Plan, when using the High Performance Network (HPN) , means that in addition to having great access to more providers, the plan also allows "out-of-network" coverage. Meaning, the plan still pays for care when using a provider not on the PPO. Please note that if you choose to use a non-PPO provider, the provider may "balance bill" for charges not covered by the plan.
If you elect the lower cost
2500 High Performance (HPN) Plan and also elect to use the
HPN network option, you are choosing an Exclusive Provider Organization (EPO) plan. This means there is
no "out-of-network" coverage. All care must be rendered within the EPO network and there is no coverage for expenses incurred at a non-network provider.
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.
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 |
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 benefits@veramobility.com to see if you might qualify for an alternate opportunity to avoid the surcharge.
Medical PPO Network Options
For 2025 you have the following medical plan PPO network options to choose from Blue Cross Blue Shield of Arizona.
Preferred Provider Organization
Blue Cross Blue Shield of Arizona
Broad National PPO Network
Wide Choice
The Broad National PPO network option is most characterized by choice. The Broad PPO avails one of the largest and most comprehensive list of providers and facilities in the country.
Things PPO members should keep in mind
A PPO medical plan offers a wide range of benefits and flexibility for individuals and businesses alike. One of the key features of a PPO plan 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.
Keep in mind, the PPO provider charges are discounted, and there is no "balance billing" when using a provider from the PPO network. Out-of-network care (using a provider not associated with the PPO 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.
High Performance Network (HPN)
Blue Cross Blue Shield of Arizona
Narrow PPO Network
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 keeping healthcare expenses in check.
Keep in mind, the HPN is a narrow network PPO option that can be regionally limited. Please check the HPN network to make sure you are satisfied with the provider selection in your area.
Assistance
Member Services number on your ID card or contact the Benefit Resource Center at 888-336-7463.
Call your PCP before seeking any urgent care. If you have a life or limb threatening emergency, seek care immediately and call your PCP as soon as you can.
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:
- Price Edge discount pharmacy program
- Price a Drug Tool
- Understand and maximize your AZBlue pharmacy coverage
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
- Download the app or visit goodrx.com.
- Search fr you medications by name or condition
- Compare prices and choose a pharmacy nearby
- 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.
Eligibility
Eligible Employees:
You may enroll in the Employee Benefits Program if you are a full-time employee who is actively working 30 hours or more per week.
Eligible Dependents:
If you are eligible for our benefits, then your dependents are too. In general, eligible dependents include:
- Your Legal Spouse
- Civil Union - Colorado
- Common Law Spouse in Colorado, Idaho
- Registered Domestic Partner in California, Nevada, Oregon and Washington and children up to age 26
- If your child is mentally or physically disabled, coverage may continue beyond age 26 once proof of the ongoing disability is provided
- Children may include natural, adopted, stepchildren and children obtained through court-appointed legal guardianship, as well as children of state-registered domestic partners
When Coverage Begins:
Newly hired employees and dependents will be eligible on the first day of the month following 30 days of employment. All elections are in effect for the entire plan year and can only be changed during Open Enrollment unless you experience a Qualifying Life Event.
Qualifying Life Event:
- A Qualifying Life Event is a change in your personal life that may impact your eligibility or dependent’s eligibility for benefits. Examples of some family status changes include:
- Change of Legal Marital Status (i.e. marriage, divorce, death of spouse, legal separation)
- Change in Number of Dependents (i.e. birth, adoption, death of dependent, ineligibility due to age)
- Change in Employment or Job Status (spouse loses job, etc.)
- If such a change occurs, you must make the changes to your benefits within 30 days of the event date; 60 days for loss of Medicaid or state child health plan. Documentation may be required to verify your change of status. Failure to request a change of status within 30 days of the event or 60 days for loss of Medicaid or state child health plan coverage, may result in your having to wait until the next open enrollment period to make your change. Please contact HR to make these changes.
