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Arizona Individual & Family Health Insurance Blog

A health insurance blog dedicated to news and trends important to Arizona individuals and families.

Whew! We survived the 2018 Arizona health insurance open enrollment. Now that the open enrollment is behind us, our attention can now shift to that one topic we all love - Taxes!! Did you know the Internal Revenue Service (IRS) requires you to declare your Affordable Care Act (ACA) status when you file your tax return? That’s right, the ACA is in cahoots with the IRS. To keep the public informed about it’s collaborating with the ACA, the IRS makes occasional announcements and offers a What’s Trending page with FAQs on the ACA. You can visit those pages to get…
Parents are always looking for the best advice on taking care of their child’s teeth, starting as soon as their first teeth break the gum.  It doesn’t take long for a baby’s toothless smile erupts into a string of baby teeth, and this is a perfect time for the dentist to take a careful look at the development of your child’s mouth.  This also means that it is time for you to get your child on your dental insurance plan.
Visitors who come to Arizona often imagine it as one of the healthiest states in the union. After all, isn't this the place where people come to soak in hot springs and take a sun-soaked "spa vacation"? It would be difficult to convince people from cold and damp locales that Arizonans face higher risks for certain diseases. While on the surface it seems like everyone here is tan and in terrific shape, that isn't always the case; particularly in a state where 13 percent of adults do not have health insurance in Arizona.
Thursday, 21 April 2016

What is Open Enrollment?

Healthcare.gov defines open enrollment as "The yearly period when people can enroll in a health insurance plan." This time period typically runs from November to January. Learn what this enrollment period means for you and what you can do if you still need coverage today.
When someone is looking for a new job or is negotiating salary and benefits, one of the most important things they’ll try to negotiate or obtain is health insurance. Buying Arizona health insurance on your own can get expensive and is sometimes difficult, and working for a large company or business likely means more coverage or your employer will foot the bill for your health care costs. It is sad to think about how many more people would be able to start their own business and create new jobs in this country if they didn’t have to worry about the…
Medical emergencies are a strain for people. Whether it’s straining emotionally, financially or it’s just a big inconvenience, medical emergencies can cause problems at work, with families and in the future. Preparing for a medical emergency goes deeper than teaching children a plan if mom and dad are hurt or knowing how to escape the house if there’s a fire - the financial burden of a medical emergency can destroy a family’s future. Although you should always put your own and others’ health first when there is an emergency, there are also ways to lessen the financial burden on yourself…
Tuesday, 01 September 2015

How to Choose Between an HMO and a PPO

Buying a health care plan for the first time can be overwhelming. When you’re new to the insurance market, it is difficult to know if you’re making the right choices. There are so many types of plans, a ton of new words that most people probably don’t know or understand and you only have a small timeframe to choose an insurer and coverage that is right for you. For most people, they end up having to choose between a Health Maintenance Organization plan (HMO) and a Preferred Provider Organization plan (PPO). What are the advantages and risks associated with each…
Wednesday, 05 August 2015

What is Preventative Care?

When buying insurance, oftentimes it makes sense to get a plan that covers preventative care rather than picking a plan with a huge premium. In fact, if you tend to be quite healthy, getting a plan that doesn’t require a co-pay for preventative care can help you to avoid illness or even improve your health, so other services aren’t regularly necessary. The problem is, it’s hard to define on your own what is considered preventative care. For example, if you get bloodwork because you’re at a new doctor and they want a better idea of your health history, that could…
"Why does health insurance have to be so complicated?" one might ask, particularly in this season of health exchanges, health savings accounts and broken healthcare web sites. Hey, at least it's not as difficult as the U.S. Tax Code, but just give it time. Health insurance is just one of those things that people don't want to learn about; until they need it, that is. Most of us have had company benefits explained to us time and time again, only to need a refresher course every time open enrollment rolls around. Well, get ready, because if you think it was…
As healthcare costs rise, many insurance providers have started offering flexible plans to meet every budget. Instead of limiting members to a choice between PPO, HMO and Short-Term health coverage, they started offering high-deductible health plans (HDHPs.) While these plans certainly addressed the hefty monthly premiums, they made it difficult for members to reap the benefits without paying thousands of dollars out-of-pocket. Enter the "Health Savings Account," otherwise known as the HSA.
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