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Health insurance can protect you and your family from major out-of-pocket medical expenses that can accumulate during an illness or hospital stay. Unfortunately, health insurance is expensive and getting worse every year. Many employers provide some basic medical insurance under a group policy availabe to company employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans. The most significant differences between the two are evident in how you choose your provider, how out of pocket costs are handled and how your bills get paid. For example, under an indemnity policies you usually can choose any doctor or hospital that you wish when seeking services. Under a managed-care plan, you typically select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Employer provided healthcare is generally the most affordable coverage you can get. If you have this option, get it. If you are eligible for your employer’s Consolidated Omnibus Budget Reconciliation Act (COBRA) plan, this is generally the second best option particularly if you have a pre-existing condition. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

Arizona's Medicaid program is called the AHCCCS (Arizona Health Care Cost Containment System). AHCCCS offers several low or no cost medical coverage programs to Arizona families and children. Under its various programs, it provides medical coverage such as doctor's office visits, hospitalization, prescriptions, lab work and behavioral health services. Various programs under the AHCCCS have different income and other eligibility requirements. Some of the programs under the AHCCCS include:

• The Arizona Long Term Care System (ALTCS) program for those 65 and over, blind, or disabled individuals who need ongoing services at a nursing facility level of care.
• The SOBRA (Sixth Omnibus Budget Reconciliation Act) program provides medical coverage to pregnant women and children up to the age of 19 years.
• The KidsCare program provides medical coverage for children who have been uninsured for the last three months.
• The Baby Arizona program is an expedited process for pregnant women to apply for AHCCCS medical coverage.

To participate in these or other state-sponsored programs under AHCCCS, individuals must be U.S. citizens or qualified immigrants and meet age, income and other eligibility requirements.

Our customers come from Phoenix, Tucson, Mesa, Glendale, Chandler, Scottsdale, Gilbert, Tempe, Peori, AZ and other great cities in The Grand Canyon State to find low cost health insurance from top rated insurance companies. Arizona health insurance premiums vary significantly amongst carriers and plans. To help keep your premiums down, you need to compare multiple quotes at least annually. We make that process simple.