To activate your new Inspira debit cards, you need a “member number.” Your member number is the last 4 digits of your Alternate Employee ID number. Locate this number in UAccess Employee under the University Benefits tile at the top of your Benefits Summary.
The Arizona Department of Administration provides medical insurance to state employees, including University of Arizona employees and their legal dependents. Review the information below carefully for details on your options.
Note: You may only choose a medical plan during new hire benefits enrollment, the annual fall benefits open enrollment period, or if you experience a qualified life event.
Step 1: Compare Medical Plan Options
Quick downloads: Definitions & Quick Facts | 2026 Plan comparison chart | 2026 Medical Premiums | 2026 Benefits Guide | 2026 Benefits Summary (PDF) | 2026 Insurance Premiums for Employees Paid over Nine Months (Coming soon)
Preferred Provider Organization (PPO) Plan
The PPO has higher monthly premiums but no deductibles for in-network care.
You pay copays for most services (primary care $25, specialist $45, emergency room $250). Once you reach the out-of-pocket maximum in the plan year ($7,350 employee / $14,700 family), you pay nothing.
$0 copay for preventive care. Prescription copays range from $15-$60 and are not subject to the deductible.
Compare Plans: Blue Cross Blue Shield and UnitedHealthcare networks
Plan Documents - PPO
NEW 2026 PPO Summary of Benefits and Coverage - English (PDF)
NEW 2026 PPO Summary of Benefits and Coverage - Español (PDF)
2026 PPO Summary Plan Description (PDF) (Coming Soon)
NEW Glossary of Health Coverage and Medical Terms (PDF)
High-Deductible Health Plan (HDHP) with Health Savings Account (HSA)
The HDHP has lower premiums and is paired with an HSA.
You are responsible for the cost of services until you meet the deductible. Once you meet the deductible, you pay 10% (coinsurance), and the plan pays 90% until you reach the out-of-pocket maximum. Once you reach the out-of-pocket maximum, you pay nothing.
With the HDHP, the university will open an account on your behalf with Inpsira and contribute to your HSA every pay period ($30 for employees and $60 for family). You may also choose to contribute for additional tax savings.
Your HSA monies can be used toward your deductible, coinsurance, or other qualified medical expenses. All preventive services are free and do not count toward the deductible. You do, however, pay a copay for preventive prescriptions.
Compare Plans: Blue Cross Blue Shield and UnitedHealthcare networks
Plan Documents - HDHP With HSA
NEW 2026 HDHP Summary of Benefits and Coverage - English (PDF)
NEW 2026 HDHP Summary of Benefits and Coverage - Español (PDF)
2026 HDHP Summary Plan Description (PDF) (Coming Soon)
NEW Glossary of Health Coverage and Medical Terms (PDF)
You are ineligible for the HDHP if you have a Health Reimbursement Account or coverage through Medicare or TRICARE. You also cannot be claimed as a dependent on another person’s tax return.
Step 2: Compare Insurance Carriers
The provider networks may differ between the two insurance carriers. Search for your providers with both carriers to help determine your best choice.
Blue Cross Blue Shield of Arizona
Find network doctors and facilities
- Visit www.azblue.com/stateofaz
- Scroll down and click “Find a Doctor.”
- Choose a network: PPO OR High Deductible Health Plan. Click “Find a Doctor.”
- Be sure to update your location and network settings in the upper-right corner. The network should be set to “Statewide/National PPO/EPO with Mayo.”
- Search by name or specialty.
UnitedHealthcare
Find network doctors and facilities
- Visit www.whyuhc.com/stateofaz
- Click on the “Providers” tab.
- Select the applicable medical plan
- Enter your search location
Preferred Provider Organization (PPO) Plan
- This plan has higher premiums but no deductible for in-network care.
- You pay predictable copays for services: $25 for primary care, $45 for a specialist, $250 emergency room, $300 hospital admission.
- Once you reach the out-of-pocket maximum ($7,350 single / $14,700 family), you pay nothing.
- No tiers to navigate - one simple structure for all in-network providers, making it easier to understand your coverage.
- Because you pay fixed copays rather than meeting a deductible first, you'll have predictable costs from your first visit.
- Preventive care is $0, and prescription copays ($15-$60) are not subject to a deductible.
- This plan may work well if you prefer budget predictability and visit doctors regularly.
High-Deductible Health Plan (HDHP) With Health Savings Account (HSA)
- This plan has higher deductibles of $1,650 (single) or $3,300 (family) but much lower premiums.
- If you are generally healthy and receive mostly preventive and routine care, your out-of-pocket costs may be less.
- If you have unexpected medical expenses, you may experience higher out-of-pocket costs because of the deductible and the less predictable 10% coinsurance. However, in most cases, the copays on the TPC are more than 10% of the cost of care.
- The university contributes to an HSA account each pay period to help you cover the deductible, coinsurance, or other qualified medical expenses. Annually, this contribution is $720 (single) or $1,440 (family) - about half of the deductible.
- You may make pre-tax contributions to the HSA through payroll deduction, allowing you to build tax-free savings to pay for healthcare. You also do not pay taxes when you withdraw the money to pay for your medical expenses.
- All funds in the HSA belong to you. There is no use-it-or-lose-it requirement, and you can keep your HSA even if you leave the university.
Frequently Asked Questions
General
Select the University Benefits tile in UAccess to review your current benefit elections. You may need to log in with your Arizona NetID and password.
Campus Health is in network and Tier 1 for both Blue Cross Blue Shield and UnitedHealthcare.
From primary care to physical therapy, employees can get many of their medical needs met without leaving campus.
Learn more: Services for University Employees | Campus Health
Under the HDHP - All BUMG physicians are in-network with both Blue Cross Blue Shield and UnitedHealthcare.
Under the TCP - All BUMG physicians are Tier 1 with Blue Cross Blue Shield. With UnitedHealthcare, BUMG physicians may be Tier 1 or Tier 2. Please check the UnitedHealthcare provider directory.
Review or download the Understanding Your Benefits Outside the U.S. document for more information.
All ADOA and university medical insurance plans only cover emergency treatment for accidents or sudden illnesses. For international insurance coverage, you will have to purchase a plan from an insurance company that matches your needs.
If you are traveling on university business, you are also covered for liability, work-related injuries, and emergency assistance. For details on required preparation for international travel, visit Risk Management's International Travel Insurance page.
Physical Insurance Card: Your insurance carrier will mail you an insurance card, which helps identify your coverage. Present your insurance card to your provider.
Digital Insurance Card: You can also get a digital card through an online account with your insurance carrier. Set up or login to your accounts using the following links:
Deductibles
Preferred Provider Organization (PPO) Plan
There are no deductibles for in-network providers and facilities.
High Deductible Health Plan
Any combination of family members must meet the deductible before coinsurance begins.
Preferred Provider Organization (PPO) Plan
Yes.
High Deductible Health Plan
In the HDHP, prescriptions that are not considered preventive medications do count toward the deductible.
For formulary information, visit medimpact.com/plan/adoa. Generic Login:
- Username: EPOADOA3
- Password: Arizona202!
High Deductible Health Plan with Health Savings Account
To be eligible to contribute to an HSA you:
- Cannot have any secondary insurance, including Medicare or Tricare.
- Cannot have a healthcare reimbursement account.
- Cannot be claimed as a dependent on another person’s tax return.
If you are deemed ineligible, your and the university's contributions could be subject to both income and excise tax. If you have questions regarding your eligibility, contact a tax or financial adviser.
| 2026 | Annual Max Contributions (Employee + Employer) | Monthly Max Employee Contribution | Employer Contribution | ||
|---|---|---|---|---|---|
| Under age 55 | Age 55 and older | Under age 55 | Age 55 and older | Per month | |
| Single | $4,400.00 | $5,400.00 | $306.66 | $390.00 | $60.00 |
| Family | $8,750.00 | $9,750.00 | $609.16 | $692.50 | $120.00 |
The lower negotiated rate is used for determining your coinsurance. The negotiated rate is also used to determine how much would apply to your deductible.
As part of the enrollment process, the HSA administrator may send a letter to your home address requesting identifying information, such as your name, date of birth, address and social security number. The process is required under the U.S. Patriot Act.