Home / Benefits / Association Group Healthcare
ASBA Benefits
Benefits
Association Group Healthcare

Overview

asba’s Association Healthcare Plan supports companies and their employees, statewide. To view information for your business, review the link below.

Special Enrollment Requirements from CIGNA Healhtcare. 

asba worked with the CIGNA Healthcare management team and developed a three pronged plan to tackle the issue that ranks as the number one challenge for small business nationwide. The plan includes:

1. Improving healthcare insurance options for small business in Arizona across the state with a new and improved High Deductible Health Plan (HDHP) that qualifies for the tax benefits of a Health Savings Account (HSA).      

2.  Educating business owners and their employee base on the impact that consumerism can have on the healthcare equation

3.  Promoting a shift to consumer driven healthcare choices, healthier behaviors, wellness programs and the preventative measures to ensure the “healthiest” outcome.

Accessibility Features:

  • Open to all businesses in the state of Arizona who join or are members of the association.  (Annual membership is  $125 per company.)  Group size is unlimited and is open to groups as small as one.
  • CIGNA requires 75% of full-time eligible employees to participate in the plan. Employer is responsible for 50% of the employee rate.
  • Open Access – no company will be turned away due to the medical profiles of its employees.
  • Pricing is set each November and effective the following January at the group level – prices are not set based on medical questionnaires or individual underwriting ratios.
  • Current asba member companies may enroll during open enrollment (November and December) for an effective date of January 1 if they have met the 90 waiting period.
  • New asba member companies are eligible on the first of the month after being a member for 90 days. 
    There is no “go bare” requirement prior to joining.  Previous insurance coverage is welcomed.
  • The (HMO) plan – Maricopa Country only – has NO pre existing condition restrictions.
  • The HSA qualified HDHP plan is offered statewide.  Pre-existing conditions  are not restricted as long as the individual covered by the plan has had qualifying coverage for the 12 month period prior to joining the AHP.

The Statewide HDHP

  • HSA qualified with an individual deductible of $2,500 in network and $5,000 out of network. Family plan deductibles are capped at $5,000 and $10,000 respectively.
  • Has a lifetime maximum of $2 million
  • Wellness exams are paid 100% by CIGNA Healthcare.
  • Utilizes CIGNA’s Open Access Plus - the network of physicians, hospitals and healthcare  providers across the state. No referrals required!
  • Includes prescription drug coverage (after deductible) with varying rates of coverage based on  generics, preferred name brands and non-preferred name brands.
  • Ability to support dependent coverage and/or employee coverage outside of Arizona as long as the business is domociled in the state of Arizona.

Cigna Medical Group (Maricopa County only)

  • Full featured HMO Option.
  • Wellness exams are paid 100% by CIGNA (after OV copay).
  • No pre-existing condition exclusions.
  • Includes prescription drug coverage with varying rates of coverage based on generics, preferred name brands and non-preferred name brands.