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Arizona Health Insurance Blog

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

As baby boomers reach retirement age, the number of people enrolled in the nation’s Medicare program is reaching record numbers.  While Medicare will cover some of the health care expenses for eligible seniors, most of Arizona’s older residents will need to enroll in some form of supplemental insurance.   With so many different plan choices and enrollment deadlines, eligible citizens are often confused about Medicare Supplemental Insurance in Arizona. 

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.

If you watch too much cable news, you might come away with the idea that the Affordable Care Act has bankrupted Medicare, or that benefits were being pulled from seniors. With more than 40 million people aged 65 and older in the United States, this would be a major concern, but it simply isn't true. In fact, many Medicare benefits are getting better because of the Affordable Care Act. Plans to potentially repeal the ACA may negatively impact medicare.

Wednesday, 10 May 2017

Medicare Supplemental Insurance

Well before you turn 65 years old, a number of health insurance companies may have started marketing their Medicare supplemental insurance in Arizona, but how do you know which provider to choose.

Tuesday, 11 April 2017

ACA vs. Repeal/Replace

For better or worse; for richer or poorer; in sickness and in Wealth?

What are the consequences to employment in the health sector if President Trump follows through on his campaign promise to repeal the Affordable Care Act? That may not be as big a concern as we once thought… Instead of abolishing it, his language has changed from "repealed" to "amended" to "repair & replace" so now, though no one knows exactly what's going to happen, it appears that millions won't be left without coverage.  

Maybe his solution will be worse than former President Obama's plan; maybe it will have the same net-effect; hopefully it will be even more comprehensive and better. We're going to have to wait and see.

According to an article that appeared on Forbes.com ("How Obamacare's Victory Makes it Easier to Raise Medicare's Retirement Age"), the ratification of Obamacare gives Congress the option of raising Medicare's retirement age. Congress could contend that low-income seniors who would normally need Medicare may be able to gain coverage from a state insurance exchange. There are some advantages and disadvantages to raising the age requirement for Medicare as well as some possible issues with President Trump's selection for budget director, Mick Mulvaney eyeing Medicare as a potential spot for budget cuts.

If you are a resident of Arizona who is approaching age 65, it is important that you thoroughly understand how Medicare insurance works. Many retirees are confused about the timing and requirements for Medicare and don’t know whether they qualify for Medicare supplemental insurance in Arizona

Also known as a “Medigap” policy, Medicare supplemental insurance helps Arizona citizens close the “gaps” in Medicare by providing for deductibles and coinsurance.  However, there are certain time-sensitive purchasing qualifications that exist in Arizona. 

For example, once a Medicare recipient reaches the age of 65 and joins Part B, they can sign up for a Medigap policy within three months of their 65th birthday.  This is known as Medigap open enrollment.  If seniors enroll during this period, they cannot be denied coverage for a pre-existing condition, nor can they be placed on a waiting list.  

The Open Enrollment period for 2017 health insurance ends January 31, 2017. You only have a short time to get enrolled for this year's health insurance unless you have a qualifying event. Below are helful links and information to help you choose the right Arizona group health insurance or medicare before Open Enrollment closes.

When it comes time to start your own business or quit your job to become your own boss, there are plenty of things to be excited about. You no longer have to answer to anyone, you make your own hours and if you work from home you probably can spend the day in your pajamas. As much as there’s an allure of working in sweatpants, becoming your own boss also means that you’re responsible for a lot more. You no longer have group insurance with your employer, and health insurance isn’t always easy to find. If you’ve always been covered by a group health plan, the health insurance options available may not be as appealing, so you’ll have to do your research or get help from your Arizona health insurance broker.

As the number of senior citizens increases in the United States, Medicare fraud has become far more prevalent in recent years. By definition, Medicare fraud is the collection of Medicare health care reimbursements under false pretenses. While there are many different types of Medicare fraud, they all have the same goal – collecting money from the Medicare program under false pretenses.

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