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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.

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.

Are you looking for an affordable health plan in Arizona? Then it may be time to take another look at Arizona health insurance quotes

Ever since the new healthcare reform laws started going into effect, health insurance companies have significantly changed the type of insurance they offer to individuals.

Group plans may not have been affected quite as much, but individual health plans now offer certain coverage, such as preventive care, that was not previously included with the plan.

In addition, the laws’ stipulations about preexisting conditions, Medicare and insuring college students have caused continual change in major health insurance plans.

If you are requesting Arizona health insurance quotes on your own, you will need to be aware of these changes.

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.

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.

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