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Arizona Health Insurance Blog Page 8

The latest news on health insurance in Arizona. Topics include Obamacare, Medicare Supplements, individual insurance and industry news.

arizona_health_policiesRegardless of your political position on Health Care Reform (a.k.a. Obamacare), there is one thing that everyone can agree on – Arizona health policies for individuals are much more comprehensive today than they were a few years ago.  Before the new healthcare legislation, individual health plans were not required to include preventive care coverage.  They were also more likely to have lifetime maximums in place for major medical benefits.  While the Health Savings Account (HSA) predates the new laws, it seems that more Arizona health policies have paired this tax-saving account with their high-deductible health plans. 

A rapid rise in unemployment has caused more and more families to be uninsured or underinsured, which has created a greater demand for individual health plans.  This, plus a greater number of independent contractors have been a boon to the individual insurance market.  This greater demand for unbundled Arizona health policies has given insurance carriers an incentive to be competitive. 

medical_insurance_arizonaShopping for medical insurance in AZ doesn’t need to be a long and tedious process.  Whether you are buying an individual plan for yourself or trying to find a new plan for your company, it is much easier to get the plan you need with very little effort.  But shopping online for medical insurance in AZ is not as simple as doing a Google search.  If you try that, you may end up with dozens of online clearinghouse websites who are looking to make a profit by selling your personal information.  Unless you want to hear from 10 to 15 different brokers over the next few days, stay away from online forms. 

A better idea is to find an Arizona health insurance broker with a solid reputation in the industry.  Contact that broker directly and find out what they need from you in order to provide a quote.  If you are working with a reputable agent, he or she will not require an online form.  It may be a simple email or a phone conversation, but no one else should need to see your information.

Here are some things you will want to avoid when shopping online for medical insurance in AZ:

  1. Do not provide more than the very basic information to your broker.  He or she will need your age, height/weight, zip code and current insurance status.  Eventually they will need you to fill out a form about your medical history, but a basic rate quote will not require much information. 
  2. Do not provide your social security number, financial information or home address to an online broker.  When the time comes for this information to be provided, it will be after you agree to a specific health plan, and it will be on the form provided by the insurance carrier.
  3. Do not agree to receive email solicitations from them in the future.  You could end up with dozens of emails from unrelated companies if they sell your information.
  4. Find out about their privacy policies, internet security policy, and how much information they will provide to the insurance companies.
  5. Get all of their quotes in writing, preferably in the mail and on corporate letterhead. 
  6. Find out upfront about their license to sell medical insurance plans in AZ, how long they’ve been in business, and about any of their professional affiliations. 

Shopping online for medical insurance in AZ is much easier than it’s ever been; just be careful to avoid the online traps that are common with internet marketers. 

arizona_health_insurance_6With the price of health insurance rising so sharply over the past ten years, many employers in the Southwest are getting a lot more skillful at saving money on Arizona health insurance.  In some cases, this has required them to buy a group health plan that can be used in other states as well.  Not only is this practice more cost effective than purchasing a separate plan for every state where they have employees; it can also be more economical. 

Telecommuting, especially in the IT profession, has caused many U.S. companies to have employees in virtually every state, but few of them report in to an office in that state.  As a result, payroll and human resources are usually located at a central headquarters.  Health plans from companies like Blue Cross and Kaiser Permanente are versatile enough to cover these employees through their national networks, but not every plan is designed to do this. 

arizona_health_insurance_5If you’ve been “out of the loop” for awhile with Arizona health insurance or you never had to purchase your own plan, then you may not be expecting some of the preventive care benefits now available.  Even the least expensive high-deductible health plans are now required by law to provide a certain level of preventive care coverage.  Arizona health insurance issues may overshadow this news for some residents, particularly the growing number of uninsured, but these new healthcare provisions are made by the federal government.

arizona_health_insurance_companiesAn emphasis on healthy living has helped a lot of Arizona residents avoid the doctor’s office, but with so many uninsured and underinsured residents, the state has dropped to 31st in the 2010 United Health Foundation’s “America’s Health Rankings®”.  Arizona health insurance companies are attempting to close the gap by offering less expensive health plans for residents, but without CHIP funding or low-income adult health coverage, this may present a challenge. 

arizona_free_health_insurance_quoteThanks to the convenience of the Internet, everything is a lot simpler today.  Instead of meeting in person with a health insurance broker, or spending hours waiting “on hold” to speak with  agents from every insurance company, now an Arizona free health insurance quote is available in minutes. 

Buying Arizona health insurance is much easier than ever, thanks to the valuable information available on the Internet.  The only part that some people don’t like is the need to provide personal information to a relative “stranger”.  How can you know who to trust with your Arizona free health insurance quote?

az_health_insurance_providersAs an individual or family seeking a health insurance policy, you will find there are dozens of AZ health insurance providers to choose from, but Blue Cross Blue Shield of Arizona continues to be among the best-rated companies for overall customer satisfaction.  An Arizona health insurance broker can help you get the information you need to make a decision on a plan that meets both your healthcare needs and budget.  It is important to spend time looking at the features of every plan within your price range before making a decision.  That’s why Anderson Insurance Services provides as much information as we can about each of the AZ health insurance providers

While it is certainly worth the time to look at every health insurance plan in Arizona, below is an overview of what BCBS of Arizona has to offer.

arizona_health_insurance_quotesWhen you are in need of individual or family health coverage in Arizona there are many ways to get information, but not all of them are very efficient.  The best way to get the information you need is to work with an insurance agent who can give you Arizona health insurance quotes from all of the major insurance carriers. 

This may seem like rather “elementary” advice, but take it from someone who has just been through the process of buying health insurance – how you get your information is almost as important as what you decide to do with it. 

health_insurance_options_self_employedWhen you are starting an Arizona business, there are many pressing issues on your mind, but one of the most nagging questions is what to do about health insurance. 

If you have always been covered by a group health plan, you may not be thrilled with many of the health insurance options for the self-employed.  

In order to get the same type of coverage that you used to have through an employer, the monthly premiums would be through the roof, and if you have a pre-existing condition you could find yourself denied coverage altogether. 

But don’t let these facts stop you from starting your own business; you still have a few options.

temporary health insurance We hear all the time how important it is to maintain some form of health insurance coverage, even if it is just for a few weeks between one group plan and another.  But still, there are those brave souls who try to get by without coverage.  Everyone’s situation is different, and you may be in excellent health, but it is still a good idea to get a temporary health insurance plan


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