Arizona Health Insurance Quote

The State of Arizona operates a federally facilitated exchange to provide health insurance information, insurance policy coverage options, and health insurance coverage.

Arizona residents can obtain information through a federal Web portal, and they can access health insurance programs from nine leading providers.

The state portal is Health-e Arizona Plus, and it introduces residents to a broad range of health and medical care services including program links to Medicaid, the Children’s Health Insurance Program, and the federally facilitated health insurance exchange.

It is a large amount of data, and a well-designed comparison-shopping tool like the FREE one above can reduce the time and effort needed to find solutions.

Determining Eligibility For Tax Subsidy

A major feature of the Affordable Care Act provides subsidies for the costs of health insurance for families and individuals. Insured persons can realize the savings as tax credits at the end of the year or as monthly subsidies of health insurance premiums to make health coverage more affordable.

Arizona’s individual and family applicants can use a comparison-shopping tool to examine options from the federally facilitated exchange at Healthcare.gov. It can determine their eligibility for lower premiums or the annual tax credit.

Using the tool, consumers can make insurance choices that give maximum overall costs savings benefits. In order to receive a tax credit or subsidy, applicants must choose federally and state approved programs available through the federally facilitated exchange.

Medicaid Expansion Increases Arizona Coverage

A greater number of low-income residents can get healthcare coverage under Medicaid and child services under the Children’s Health Insurance Program due to expansion of these programs under the Affordable Care Act.

This protection will provide preventive healthcare services, routine health screenings in addition to emergency care, and hospitalization.

When searching on the federally facilitated health insurance marketplace, the comparison-shopping tool will search quotes; the website will automatically identify and refer applicants who may be eligible for Medicaid or the Children’s Health Insurance Program.

Thus, by using comparison tools, consumers can search the state and federal health insurance websites for information on the entire range of health insurance coverage. Those who do not qualify for health insurance coverage due to limited income can get insurance coverage through the referral system.

Arizona Health Insurance Marketplace Providers

Arizona individuals, families, and businesses can choose from five tiers of health insurance coverage from the following private health insurers in Arizona:

• Aetna
• Assurant Health
• Blue Cross and Blue Shield of Arizona
• Cigna
• Health Net
• Humana
• University of Arizona Health Plans
• Health Choice Insurance
• Meritus Mutual Health Partners & Meritus Health Partners

Consumers can use a comparison-shopping tool such as the one above to consider the strengths and weaknesses of Arizona health insurance quotes from approved providers.

PPO and HMO Services

Among the comparisons that consumers must consider are HMO and PPO services. Preferred provider organizations offer services within the network and clients do not need to select a primary care physician.

When getting services outside of the network, the client takes responsibility for the full payment and receives reimbursement from the PPO for an agreed portion of the charges.

Health Maintenance Organizations require registration with a primary care physician who coordinates services within the HMO network of doctors and facilities. Some major provider services in Arizona are as follows:

• Aetna offers Preferred Provider Organization plans for families and individuals in Arizona in all metal tiers and catastrophic coverage.. It offers plans through the federal exchange, which meet or exceed the essential requirements of the Affordable Care Act.
• Assurant Health
• Blue Cross and Blue Shield of Arizona affiliated with the nationwide Blue Cross Network; it is a non-profit organization. Arizona residents who buy a Blue Cross Blue Shield Arizona exchange plan can only access part of the network of doctors and hospitals. It offers PPO exchange plans in only four levels, and they include gold to catastrophic tiers.
• Cigna offers PPO exchange in the bronze, silver, and gold tiers. Residents who sign up through the exchange will not have limited access to the network of services and providers.
• Health Net, Inc. serves fifteen counties in Arizona. It offers HMO services through Health Net of Arizona and PPO services thorough Health Net Life. Health Net of Arizona offers plans in all tiers; Health Net Life offers bronze, silver, gold, and platinum tiers.
• Humana offers HMO services in Arizona; it has exchange plans in four metal tiers and the catastrophic category.
• University of Arizona Health Plans offers HMO exchange plans in all tiers.
• Health Choice Insurance, serving nine counties, provides HMO exchange plans in bronze, silver, gold, and platinum tiers.
• Meritus Mutual Health Partners & Meritus Health Partners offer HMO and PPO services. Meritus Mutual PPO exchange offers plans in all tiers, and Meritus Health HMO provides exchange plans in bronze, silver, and gold tiers.

Five Tiers For Insurance Options

Federally and state approved Health insurance programs offer up to five levels of protection, and these options permit applicants to customize their coverage. The essential differences between these tiers relate to the range of included services, and the amount of co-payment and out of pocket expenses required.

The monthly premiums are lower when co-payment and overall out of pocket payments are higher. The top tier called platinum, consist of programs with relatively high monthly premiums but with a wide range of covered services, low co-payments, and low out-of-pocket costs.

The overall actuarial rating of platinum services concludes that they cover up to 90 percent of healthcare costs. Silver services by contrast cover about 60 percent of total healthcare costs.

Silver plans have lower premiums and, for some users, would result in a significant outlay of co-payments and out-of-pocket expenses. A comparison-shopping tool can help consumers digest a large amount of information, quickly and conveniently.

Assessing Deductibles and Co-Insurance

An important area of information involves the overall costs of health insurance. One must look beyond the premiums to determine whether the plan is affordable; one must consider deductibles and co-payments.

While the Affordable Care Act places caps on the amount of allowable out of pocket expenses, some programs require far more payments from insured persons than others do. The deductible is the amount of medical expenses the insured person must pay before the insurance policy begins to pay benefits. Deductibles do not include basic minimum care such as annual physicals and routine health screenings.

Applicants can use a comparison-shopping tool to project likely needs for healthcare such as frequency of doctor visits, medications, or therapy. These can give an idea of likely co-payment levels. A comparison-shopping tool can help determine which program offers the best arrangement of premiums, deductibles, and co-payments.

Small Business Health Insurance

Arizona small businesses can participate in the Small Business Health Care Options Program for employers with 25 or fewer employees. The Small Business Tax Credit can provide up to 50 percent of the employer contribution to group health insurance premiums.

Employers can use a combination of deductions and tax credits to reduce the costs of employer contributions. The highest tax credit percentage goes to small businesses with ten or fewer employees. Using a comparison-shopping approach can produce significant savings and increased value.

Small Business Group Health

For small businesses that employ between 26 and 49 employees, the small business tax credit does not apply. However, these firms can compare prices and benefits among options in the federal marketplace and the Small Business Health Care Options Program.

The tool will help business consumers obtain low group rates and provide coverage that meets federal standards. Insurers base the costs for small business group programs on a large pool of participating employers, and it provides the volume costs-savings benefits of a large pool of covered employees.

For tax purposes, these firms can deduct qualified portions of the costs of employee premiums as business expenses.

Arizona Health Insurance Quotes

Arizona residents can use comparison-shopping tools in a number of ways to get health insurance quotes from the state’s federally facilitated health insurance exchange and the private sector.

Consumers can compare private plans from insurance companies directly or through brokers, and agents. They can compare information and price quotations for health insurance coverage in Arizona as individuals, families, and employees.

Business owners of small businesses can get quotes and assess coverage costs in small business group insurance plans. Among private insurers, companies can customize health insurance plans to fit budgets and expected needs.

However, in order to qualify for costs reductions by tax credit or monthly subsidy, residents and businesses must purchase plans through the state’s federally managed marketplace. Using the FREE comparison-shopping tool is an excellent method for getting the best value. Simply enter your ZIP code into the field above to get started.