Imperial Insurance Companies
Imperial Classic Bronze
Premium, age 40$453to $895 a month
Deductible$7,500$15,000 family
Out-of-pocket max$12,000$24,000 family
Having a baby$8,800CMS example
Imperial Insurance Companies
Imperial Preferred Gold
Monthly premium, age 40
From $672
Up to $1,328 by area · before subsidies
Prices by age
Find a doctor in this plan
Summary of Benefits (PDF)
Plan ID85533AZ0020002
Plan year2027Sold on HealthCare.gov
Plan typeHMOReferral needed for specialists
Metal levelGoldNot HSA-eligible
Sold in10 countiesof 15 in Arizona
Deductible$1,000$2,000 family
Out-of-pocket max$8,000$16,000 family
Primary care visit$20in network
Generic drugs$5per prescription
10,051 Arizona doctors and facilities in this plan's network · Directory updated Sep 23, 2026 · Premiums are full prices before subsidies (premium tax credits). NPI Profile does not sell insurance; HealthCare.gov lists premiums and handles enrollment.
Find a doctor in this plan
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Listed in Imperial Insurance Companies's provider directory. Directories can be out of date, so call the office to confirm they take this plan.
What you pay with this plan
In-network costs for one person, from the CMS plan files for 2027. "After deductible" means you pay the full cost until you reach the $1,000 deductible.
Doctor visits
- Primary care visit
- $20
- Specialist visit
- $40
- Nurse practitioner or PA visit
- $20
- Preventive care and vaccinesLimit: 1 exam a year
- Free
- Urgent care
- 35% after deductible
Prescription drugs
- Generic drugs
- $5
- Preferred brand drugs
- $60
- Non-preferred brand drugs
- 50% after deductible
- Specialty drugs
- 50% after deductible
Tests and imaging
- Lab work
- 35% after deductible
- X-rays
- 35% after deductible
- MRI, CT and PET scans
- 35% after deductible
Emergencies and hospital
- Emergency room
- 35% after deductible
- Ambulance
- 35% after deductible
- Hospital stay
- 35% after deductible
- Outpatient surgery (facility)
- 35% after deductible
Mental health
- Therapy and counseling visits
- $20
- Inpatient mental health care
- 35% after deductible
Pregnancy
- Prenatal and postnatal care
- $20
- Delivery and hospital stay
- 35% after deductible
Other care
- Physical and occupational therapyLimit: 60 visits a year
- $40
- Chiropractic careLimit: 20 visits a year
- 35% after deductible
- Eye exam for children
- Free
- Glasses for children
- Free
- Adult dental
- Not covered
$4,190Having a baby (CMS example)
$1,320Managing type 2 diabetes for a year
$1,600A simple fracture
Every service in the plan file (68)
| Service | You pay | Limits and notes |
|---|---|---|
| Abortion for Which Public Funding is Prohibited | Not covered | |
| Accidental Dental | 35% after deductible | |
| Acupuncture | Not covered | |
| Allergy Testing | 35% after deductible | |
| Bariatric Surgery | 35% after deductible | |
| Basic Dental Care - Adult | Not covered | |
| Basic Dental Care - Child | 35% | |
| Biomarker Testing | 35% after deductible | |
| Chemotherapy | 35% after deductible | |
| Chiropractic Care | 35% after deductible | 20 visits a year |
| Cosmetic Surgery | Not covered | |
| Delivery and All Inpatient Services for Maternity Care | 35% after deductible | |
| Dental Check-Up for Children | Free | |
| Diabetes Education | 35% after deductible | |
| Dialysis | 35% after deductible | |
| Durable Medical Equipment | 35% after deductible | |
| Emergency Room Services | 35% after deductible | |
| Emergency Transportation/Ambulance | 35% after deductible | |
| Eye Glasses for Children | Free | |
| Generic Drugs | $5 | |
| Habilitation Services | 35% after deductible | |
| Hearing Aids | 35% after deductible | 1 item a benefit period |
| Home Health Care Services | 35% after deductible | 42 visits a year |
| Hospice Services | 35% after deductible | |
| Imaging (CT/PET Scans, MRIs) | 35% after deductible | |
| Infertility Treatment | Not covered | |
| Infusion Therapy | 35% after deductible | |
| Inpatient Hospital Services (e.g., Hospital Stay) | 35% after deductible | |
| Inpatient Physician and Surgical Services | 35% after deductible | |
| Laboratory Outpatient and Professional Services | 35% after deductible | |
| Long-Term/Custodial Nursing Home Care | Not covered | |
| Major Dental Care - Adult | Not covered | |
| Major Dental Care - Child | 35% after deductible | |
| Mental/Behavioral Health Inpatient Services | 35% after deductible | |
| Mental/Behavioral Health Outpatient Services | $20 | |
| Non-Preferred Brand Drugs | 50% after deductible | |
| Nutritional Counseling | 35% after deductible | |
| Orthodontia - Adult | Not covered | |
| Orthodontia - Child | 35% after deductible | |
| Other Practitioner Office Visit (Nurse, Physician Assistant) | $20 | |
| Outpatient Facility Fee (e.g., Ambulatory Surgery Center) | 35% after deductible | |
| Outpatient Rehabilitation Services | 35% after deductible | 60 visits a year |
| Outpatient Surgery Physician/Surgical Services | 35% after deductible | |
| Preferred Brand Drugs | $60 | |
| Prenatal and Postnatal Care | $20 | |
| Preventive Care/Screening/Immunization | Free | 1 exam a year |
| Primary Care Visit to Treat an Injury or Illness | $20 | |
| Private-Duty Nursing | 35% after deductible | |
| Prosthetic Devices | 35% after deductible | |
| Radiation | 35% after deductible | |
| Reconstructive Surgery | 35% after deductible | |
| Rehabilitative Occupational and Rehabilitative Physical Therapy | $40 | 60 visits a year |
| Rehabilitative Speech Therapy | $40 | 60 visits a year |
| Routine Dental Services (Adult) | Not covered | |
| Routine Eye Exam (Adult) | Not covered | |
| Routine Eye Exam for Children | Free | |
| Routine Foot Care | Not covered | |
| Skilled Nursing Facility | 35% after deductible | 90 days a year |
| Specialist Visit | $40 | |
| Specialty Drugs | 50% after deductible | |
| Substance Abuse Disorder Inpatient Services | 35% after deductible | |
| Substance Abuse Disorder Outpatient Services | $20 | |
| Transplant | 35% after deductible | |
| Treatment for Temporomandibular Joint Disorders | 35% after deductible | |
| Urgent Care Centers or Facilities | 35% after deductible | |
| Weight Loss Programs | Not covered | |
| Well Baby Visits and Care | Free | |
| X-rays and Diagnostic Imaging | 35% after deductible |
How this plan works
HMO: You pick a primary care doctor in the network, and most specialists need a referral from them. Care outside the network is not covered, except emergencies.
- Referral for specialists
- Required
- Coinsurance
- 35% after the deductible
- Works with an HSA
- No
- Network
- Imperial Value (AZN001)
- Sold in
- 10 Arizona countiesGila County, Graham County, LA Paz County, Maricopa County, Navajo County, Pima County, Pinal County, Santa Cruz County, Yavapai County, Yuma County
Insurer's note on referrals: All
Summary of Benefits and Coverage (PDF) Plan brochure Covered drugs (formulary)
Other Imperial Insurance Companies plans on the same network
The same doctors and hospitals, with different costs.
Imperial Insurance Companies
Imperial Classic Silver
Premium, age 40$562to $1,111 a month
Deductible$6,400$12,800 family
Out-of-pocket max$10,300$20,600 family
Having a baby$8,290CMS example
Imperial Insurance Companies
Imperial Preferred Silver
Premium, age 40$579to $1,144 a month
Deductible$6,500$13,000 family
Out-of-pocket max$10,500$21,000 family
Having a baby$8,160CMS example
Imperial Insurance Companies
Imperial Classic Gold
Premium, age 40$668to $1,319 a month
Deductible$2,500$5,000 family
Out-of-pocket max$8,600$17,200 family
Having a baby$4,100CMS example
Questions about Imperial Preferred Gold
Does Imperial Preferred Gold cover my doctor?
Use "Find a doctor in this plan" on this page: choose the city, then the kind of doctor. The list shows providers Imperial Insurance Companies lists in this plan's network for 2027. Directories can be out of date, so call the office to confirm before your visit.
What kind of plan is Imperial Preferred Gold?
It is an HMO plan: you pick a primary care doctor in the network, and most specialists need a referral from them. Care outside the network is not covered, except emergencies. It is a Gold plan.
How much is a doctor visit with Imperial Preferred Gold?
A primary care visit costs $20. A specialist visit costs $40. These are in-network costs for one person. "After deductible" means you pay the full cost until you reach the $1,000 deductible.
Where is Imperial Preferred Gold sold?
It is sold to people who live in 10 Arizona counties, through HealthCare.gov. The counties: Gila County, Graham County, LA Paz County, Maricopa County, Navajo County, Pima County, Pinal County, Santa Cruz County, Yavapai County, Yuma County. Imperial Insurance Companies's directory can also list providers outside these counties, such as pharmacies and specialists, but the plan itself is only for people who live in its area.
How much does Imperial Preferred Gold cost a month?
Before subsidies (premium tax credits), Imperial Preferred Gold costs $672 to $1,328 a month for a 40-year-old in 2027, depending on where in Arizona you live. A 21-year-old pays $526 to $1,039 and someone 64 or older $1,578 to $3,118. Tobacco users pay more. Most people who enroll through HealthCare.gov qualify for a subsidy (premium tax credit) that lowers the monthly price, and HealthCare.gov shows your price after any subsidy.
About this data
These pages combine public files from CMS and from insurers. NPI Profile does not contract with insurers and does not decide who is in network.
| Source | What it provides here | Source date |
|---|---|---|
| CMS Marketplace public use files (Plan Attributes, Benefits and Cost Sharing, Rate, Service Area) | This plan's premiums, costs, covered services, coverage examples and the counties where it is sold | Plan year 2027 |
| Imperial Insurance Companies's provider directory | The doctors and facilities listed in this plan's network. Only providers with an address in Arizona are counted. | Updated September 23, 2026 |
| NPPES NPI registry | Provider names, practice addresses and primary specialties | Matched November 10, 2026 |
- Costs are for the standard version of the plan, for one person, in network. People who qualify for cost-sharing reductions pay less.
- Premiums are the full monthly price before subsidies (premium tax credits). They depend on age, tobacco use and where you live (the plan's rating area). HealthCare.gov shows your price after any subsidy.
- Confirm costs in the plan documents and with the insurer, and confirm with the doctor's office that they take this plan.
