Provider Network

Provider Network

Yavapai Combined Trust Medical Plans coverage has a healthcare provider network. The Dental and Vision coverages do not have a network for these plans. You can go to anyone in their field.

Premier Plan: offers coverage for both in-network and out-of-network health care providers. This plan option offers you the highest level of benefits as compared to the Basic Plus Plan option. This Premier Plan also offers the lowest out of pocket cost with low deductibles, low out of pocket maximums and significant coverage when using in-network providers. Under this Plan option you have the choice to use out-of-network providers at a lower reimbursement level.

Basic Plus Plan: offers coverage for major medical expenses when you use in-network providers only. There is no coverage provided for out-of-network providers, except for emergency care. The Basic Plus Plan offers almost the same benefits as the Premier Plan but your reimbursement for expenses is less.

For more information:

See the Schedule of Medical Benefits in the YCT Summary Plan Document

For more information Provider Network (which doctors participate in our health plan?)

Visit the Yavapai Combined Trust website to find a doctor at www.yctrust.net.

Click on Medical - Dental – Vision link

There are 2 options:

Option 1) Medical Blue Cross Provider Directory

Scroll down until you come to the link “Search the Provider Directory”

Select PPO

Search by County – Yavapai

And the healthcare provider you want

Option 2) Medical Provider Directory; are providers contracted directly with YCT, but NOT contracted with BCBS

The best way to find an “In-Network” doctor is by asking around and calling the doctor’s office directly and be sure to ask if they:

1. are taking new patients;
2. are in the BCBS PPO Network;
3. do take your insurance YCT (Yavapai Combined Trust)