With the constant changes in the health care industry and how they affect individuals, families and businesses, it is important to partner up with a professional employee benefit broker in Phoenix, AZ who can provide insight and guidance regarding your options. We conduct the appropriate research to know which carriers will meet your needs and provide you with options in coverage, plan design, and network.
Click the link below that most accurately fits the insurance product you are looking for. If you do not see an appropriate match,
please give our office a call at (480) 348-2200 and we will assist you.
Changes affecting individual and family plans under the Affordable Care Act:
PPO plans are no longer be available in 2018. Only HMO plans will be available and some HMO plans will qualify for an HSA.
Due to this as well as the increase in individual and family medical / health insurance premiums and changes in provider networks, many small business are looking to obtain a group health insurance policy. If you would like to explore the option of group medical / health coverage for your small business or look at the HMO and HSA options available for individuals and families, please give Lisa a call at 866-467-3627 or email the employee benefit broker Phoenix, AZ trusts by clicking contact.
Open enrollment begins on November 1st for Individual and Family Health Insurance plans for the following calendar year. It is important to understand some changes that have occurred. Arizona carriers are currently offering HMO plans only, with some having the option for an HSA. While we understand it is a high priority to keep premiums low, it is important to consider the provider networks associated with the carrier and plan option you choose. Since smaller provider networks are becoming more prevalent, we strongly suggest that before you make a decision on your coverage that you confirm your physicians, hospitals and pharmacies are contracted with the insurance company of your choice. Please keep in mind that an application for coverage must be received by the insurance company no later than December 15th to have coverage in place for January 1st. Click Here to go to our carrier quote access page or contact Lisa Fitzpatrick at 866-467-3627 for assistance.
If you miss the Open Enrollment deadlines, then your options to obtain coverage are as follows:
A time outside of the open enrollment period during which you and your family have a right to sign up for health coverage. In the Marketplace, you qualify for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child), moving from another state, or loss of other health coverage. Proof of your loss of other coverage will be required with your special enrollment application.
These plans do not meet the minimum essential coverage requirements under the Affordable Care Act (ACA) and may result in a tax penalty. They are designed solely to provide temporary health care insurance during unexpected coverage gaps. To avoid the risk of penalty, apply for an ACA health insurance plan as soon as you qualify. Short Term health insurance plans make sense for people who missed Open Enrollment and do not have a qualifying event; rolling off their parent’s insurance; in-between jobs; recently discharged from the military; waiting for benefits to begin at a new job; waiting for Medicare; needing a temporary alternative to COBRA insurance; or losing health insurance coverage following a divorce.