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Arizona Health Insurance Blog for Group Plans & Medicare Page 6

Looking for health insurance tips, guidance, and advice? Check our health insurance blog for articles on group health insurance plans and Medicare.
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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…
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.
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.
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…
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…
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…
As healthcare costs rise, many insurance providers have started offering flexible plans to meet every budget. Instead of limiting members to a choice between PPO, HMO and Short-Term health coverage, they started offering high-deductible health plans (HDHPs.) While these plans certainly addressed the hefty monthly premiums, they made it difficult for members to reap the benefits without paying thousands of dollars out-of-pocket. Enter the "Health Savings Account," otherwise known as the HSA.
A lot has been written about the changes to Medicare, and proposed changes yet to come, so it's no surprise that so many Arizona seniors are confused about their choices. One of the most common questions in this state is, "How do I choose a Part D plan?" According to a recent article from the Tucson Citizen, "Medicare Part D: So many choices!" (October 16, 2012), a study by Health Affairs revealed that seniors overspend on prescription drug plans by more than $368 per year. The reason for this is that they pay for more coverage than they need. In…

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