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Arizona Health Insurance Blog Page 2

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

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 cost of individual health insurance. Many people want to dive head first into creating their own business, but themselves and their families can’t afford to go without healthcare. Individual health insurance for self-employed individuals is often cost-prohibitive because it is so expensive. Especially for people who have a pre-existing health condition, or those who need to insure their entire family, getting medical insurance without the benefits from a big company is sometimes unrealistic. Fortunately, entrepreneurs are able to get some relief in the form of a tax deduction, making health care for people who are self-employed obtainable.

Health insurance policies in the United States are meant to protect people against large medical bills they cannot afford and to keep an individual’s medical costs manageable, especially if the bills or care is ongoing for a person. Arizona health insurance companies sometimes use “fear tactics” to sell people their homeowners or life insurance. The insurance broker might come up with a horror story about a person whose parents left them in debt, or a home that was burned to the ground with no insurance, and unfortunately some brokers use that same strategy to sell Arizona health insurance policies too. Healthcare costs continue to rise in the United States, and this is scary for those who don’t have insurance, as well as for some people with minimal plans. There are important reasons to buy health insurance that differ from the terror stories some Arizona health insurance agents might tell you.

Sunday, 31 January 2016

Important Obamacare Facts to Know

Deciding on health insurance for yourself and your family can be a difficult decision, especially because there are so many options. There are individual and family plans, group plans, Medicaid, Medicare and ObamaCare. While group plans through an employer can be one of the most cost effective ways to get insurance, that’s not an option for all people, and individual plans can be hard to navigate. Many people prefer to use Obamacare, but it can be a confusing option to navigate. The best way to choose an Arizona health insurance plan is to talk to an insurance agent, but before you do that it’s good to make sure you know as much as you can about your insurance options - especially Obamacare.

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 or family when you do have a medical emergency. By being financially prepared for something bad to happen, you’re actually going to make that emergency less of a problem for your family and allow yourself and loved ones to concentrate more on getting better, supporting one another and keeping a regular lifestyle in the future.

Although Arizona’s unemployment rate has slowly been declining - right now it sits at about six percent according to the Bureau of Labor Statistics - health insurance brokers in the Grand Canyon state still must spent a good amount of time helping newly unemployed clients determine the best choice for their health insurance coverage. Once losing a job, if a new job isn’t on the radar, it’s important to get either temporary health insurance or to sign up for COBRA (Consolidated Omnibus Budget Reconciliation Act). But how can you figure out which plan is right for you and your family? Getting an Arizona health insurance quote is probably the most accurate way to understand what you need and can afford, but doing some research before going to a health insurance broker never hurts.

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 plan? Heck, what does each plan do for me in the first place?

Before making a final decision, it’s important to clear up any confusion you may have about the choices a Tucson health insurance broker may offer you, so that you fully understand the Arizona health insurance market and can feel confident that you’re investing in health care coverage that you need.

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.

family-smile-dental-insuranceParents 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.

colorado-health-insuranceAre you new to buying health insurance? Most adults in the United States are relatively uninformed about purchasing health insurance; mainly because they’ve relied on employers to make these decisions for them.

Once you start looking at the various Arizona health plans available in the marketplace you will realize that choosing an individual plan can be quite complicated. Just the fact that most providers have catalog-sized health plan descriptions, and numerous coverage restrictions would make anyone a little intimidated, but the process of buying an individual Arizona health insurance plan doesn’t have to be tricky.

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