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FAQ

Got questions about health insurance in Arizona? Check out our list of FAQs on this very subject.

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.

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.  

A lot has been written about the negative effects of the Affordable Care Act, also known as Obamacare, but much of it is politically motivated misinformation. While health care reform laws are far from perfect, they do little to impact the quality and affordability of Medicare. In fact, some Medicare benefits are getting better because of Obamacare.

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.

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 be considered preventative, but if you have an illness and the blood work is to diagnose it, that isn’t preventative because you’re visiting the doctor while already ill.

If you don’t ask prior to your appointment and just assume something is preventative, you could end up leaving with a big bill you didn’t expect.

Choosing the correct and most affordable health insurance can be a tricky feat. As a young adult, options range from continuing to stay on your parents’ plans, if they have insurance, to using options provided by schools or states.

With that, the Patient Protection and Affordable Care Act, which was signed into law in 2010, can also cause confusion about health insurance options available and what happens if health insurance is not purchased.

There is a monetary penalty for people who choose to forgo purchasing health insurance. Phoenix health insurance for teens and young adults is available, and there are a range of options to help maximize coverage and lower costs.

hsa investmentFor the past several years, Obamacare - or the Affordable Care Act – has been in the news quite a bit. One would think that by now the average American would know the ins and outs of the law, including the penalties assessed for individuals who choose not to buy health insurance. Unfortunately that is not the case, and one reason may be the incessant partisan "spin" about Obamacare by lawmakers and the news media.

arizona_health_insurance_plansThe best part about choosing your own healthcare plan is that you can customize the coverage and the cost to meet your needs.  But unlike employee sponsored plans, most individual Arizona health insurance plans offer benefits that are far less comprehensive.  Finding the right health plan may become a simple matter of knowing what to look for, and how much you should expect to pay for it.

Your Arizona health insurance broker should have extensive knowledge of every health plan in the state, but not every broker is looking out for their client’s best interests.  Beware of brokers who offer only one or two products, and then try to sell you on all the wonderful benefits they offer.  There are literally dozens of great Arizona health insurance plans for individuals, and you should have the option of choosing the one that works best for you. 

health_insurance_scottsdaleAs more and more Americans turn to the Internet as their number one source of information, the number of web sites offering health insurance quotes has made it difficult to choose a health insurance broker.  Just enter the words “health insurance Scottsdale” into a search engine, and you are bound to find a lot of online brokers ready to help.  The question is, how do you know which one to call on? 

With so many options available to you in Arizona health insurance, it helps to know what to look for in a quote.  For example, your health insurance options in Scottsdale will be different than what’s available in other areas of the country.  A good broker will be able to tell you about all of the options available to you, rather than just a few offerings from one or two insurance companies.  When you’re looking to get health insurance in Scottsdale Arizona, your broker will take the following factors into consideration:

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