In Arizona, individual health insurance plans and family health insurance plans are available through the Affordable Care Act (ACA) aka Obamacare.
Don’t go it alone. You can work with an Arizona Health Insurance Expert at no extra cost. Find a health insurance agent near you in Arizona.
Southwest Health Insurance Experts is your best destination for affordable Travel & International Health Insurance for Arizona residents. Even if you already have a private individual or group health insurance policy, it may not be valid in a foreign country. Purchasing an inexpensive travel health insurance policy will give you the peace of mind and security to enjoy your trip with the assurance of coverage for any health issue that may arise.
If you are a U.S. citizen and planning to travel outside of the country, you might consider purchasing a travel or international health insurance policy. Because any international travel involves a certain amount of risk, and the health providers overseas may not accept a US-based health insurance card, travel medical insurance should be considered for any international trip – whether for business or pleasure.
Although the primary benefit of a travel health insurance policy is the medical coverage, most travel health insurance policies will provide additional benefits, including:
Emergency medical evacuation
Repatriation of remains
Trip interruption
Lost luggage
Accidental death and dismemberment benefits
Unlike traditional health insurance, Travel and International Health Insurance policies can be quoted quickly and purchased online with ease. While not intended to cover pending medical treatments or preexisting conditions, travel medical insurance will cover unexpected medical emergencies and medications needed for current medical conditions.
Restrictions commonly seen in travel policies include routine physical exams, maternity coverage, drug or overdose treatment, immunizations, and routine dental or eye care.
Because these plans are only purchased for a specified length of time – usually just the duration of your trip –they are surprisingly inexpensive. Travel and international health insurance may be purchased for periods of travel as short as five days or for up to one year. For expatriates moving to a foreign country, international health insurance can usually be obtained for up to three years through annual renewals.
Click to apply for travel insurance now with our preferred provider.
If you need information about Vision Health Insurance for Arizona residents, then you’ve come to the right place.
As a trusted health insurance broker with three decades of experience in Arizona, Southwest Health Insurance Experts maintains strong relationships with the most trusted names in the industry.
We take the time to learn about the unique needs of each of our clients, so we offer you the lowest rates on the region’s best Dental and Vision health insurance plans.
Most of the vision plans we recommend provide access to a network of eye-care providers who either offer reduced prices or affordable co-pays for their services, as well as basic coverage for eyeglasses and contact lenses. Providers are typically general ophthalmologists or optometrists.
The most important distinction between Vision Insurance Plans is whether the plan is a vision benefits package or a vision discount plan.
A vision benefits package that covers services such as eye exams may require you to make a co-payment at the time of service, but the balance will be paid by your insurer.
With a vision discount plan, you pay fully for services but at a lower-than-normal price that the plan's participating eye care practitioners have agreed to charge.
To learn more about Vision Health Insurance for Arizona residents you can contact us directly to speak with one of our experienced brokers over the phone.
If you need information about Dental Health Insurance for Arizona residents, then you’ve come to the right place.
As a trusted health insurance broker with three decades of experience in Arizona, Southwest Health Insurance Experts maintains strong relationships with the most trusted names in the industry.
We take the time to learn about the unique needs of each of our clients, so we offer you the lowest rates on the region’s best Dental and Vision health insurance plans.
Without a good dental plan, a couple of unexpected root canal procedures could cost as much as your summer vacation. Even with coverage, it’s easy to rack up some major dentist bills when major work is performed.
Let’s take a closer look at the dental plans being offered today by Arizona health insurance companies.
Instead of a one-size-fits-all dental plan, many providers are now offering Dental HMOs or DHMOs. Similar to a regular HMO, these managed care plans require the selection of a primary in-network dentist, and allow patients to get basic treatments for free and pay predetermined co-payments for more advanced procedures.
A PPO (Preferred Provider Organization) also involves a network of dentists, but here the participating dentists discount their fees. Some procedures may be free, while others will be covered based on agreed-upon percentages.
In this type of dental plan, premiums are paid to the insurance company and employees are reimbursed in accordance with a simple formula that usually includes a one-time deductible of about $50 per year.
After the deductible is met, routine cleanings and preventive care are free. In the average plan, the insurer pays 80% for fillings and other dental work and 50% for major procedures.
Have you been trying to learn more about Health Savings Accounts (HSA) in Arizona?
If you’re like most people, you think Health Savings Accounts are too complicated to manage, or you have them confused with flexible spending accounts.
But talk to anyone who uses a Health Savings Account to pay for medical expenses and you will hear an entirely different story.
The truth is, if you take the time to learn a little bit about Health Savings Accounts, you will wonder how you ever lived without one. Not only do these plans allow for more flexible coverage and lower out-of-pocket expenses, they can be used to reduce the amount of taxable income for individuals and families.
Ever since President Bush signed the Medicare bill into law in December 2003, Health Savings Accounts (HSAs) have been helping individuals and families save for future medical expenses using tax-free dollars. Similar to Flexible Spending Accounts, participants specify a certain amount of money to be set aside and used to cover the cost of medical bills but, if you qualify, HSAs are a much smarter option.
In order to understand HSAs, it is important to understand why they exist. As health insurance costs have gone up, many individuals have been forced to buy High Deductible Health Plans (HDHPs) because the monthly premiums are lower.
Individuals can be eligible for Health Savings Accounts by meeting the following requirements:
Obtain coverage with a High Deductible Health Plan (HDHP)
Have no other form of health insurance
Not currently enrolled in Medicare
Cannot be claimed on someone else’s tax return as a dependent
While they provide first dollar coverage for preventive care services, HDHPs require patients to pay deductibles or coinsurance on major medical procedures before the insurance comes into play. Using a Health Savings Account helps these individuals save money, tax-free, so they can be prepared to pay these costs when needed.
Each year, the maximum amount that can be contributed to these plans is indexed with the rising cost of healthcare.
