Wednesday, May 18, 2011

Arizona Child Health Insurance, Choices After Health Reform

If you have been looking for Arizona health insurance for children you have likely come to find out that there are not too many options available for you. Sorry to say, because of the health insurance reform, major medical companies, like: United Healthcare, Cigna, Blue Cross Blue Shield and others are not able to accept applications for Arizona child health insurance plans anymore. The only way to have access to these types of plans is to include a parent or legal guardian.

But what if that option is not accessible for you? What then? Is your child doomed to not have quality health coverage? The good news we have found a few options to help families in this situation. Below are a few Arizona child health insurance plans that are available for you:

1)The Assurant Health Access Plan:
This Arizona child health insurance plan supplies coverage for: doctor’s visits, prescription drugs, hospitalization, lab work, dental, accident protection, and coverage for critical illnesses. Also, this plan has a ZERO deductible for claims. This plan is an outstanding alternative to the standard major medical programs, providing outstanding coverage that will dramatically cut down your out of pocket expense in the event of a medical problem.


2)Short Term Plans:
This is an Arizona child health insurance plan that is only good for only 6 - 11 months. This plan does not include as many features like: doctor visits or prescription drugs, but provides catastrophic coverage. In other words, it is just a hospitalization plan. However, our office offers a variety of short term plans one of which provides a $50 copay for urgent care visits.


3)Supplemental Coverage:
If you want to supply additional coverage for your child you can add supplemental benefits, like: 24 hour accident plans, critical illness plans and value med plans for doctor visits. These policies are a bit more limited in nature only providing coverage for their specific niche. For example, the 24 hour accident plan will only supply coverage for accidents not illnesses. Yet, these plans are very affordable and provide some coverage if you are on a firm budget.

While it is regrettable that with the new health reform laws we are put in this position, the good news is we have solutions. All of the plans defined are underwritten by "A rated" insurance companies and utilize a national PPO network providing coverage nationwide. If you have any questions please contact Matt Irons with Irons Family Insurance at 602-573-4198 or get FREE Information online at: www.IronsFamilyInsurance.com/ArizonaChildHealthInsurance.aspx.

About the author: Matt Irons is the owner of Irons Family Insurance in Queen Creek, Arizona. Matt Irons is devoted to the well-being of his clients, by providing peace of mind through quality Arizona health insurance at an affordable price. He cares by giving truthful answers and guidance to solve your Arizona health insurance needs.

Thursday, June 11, 2009

Always on the Hunt for Information: Information Sources on Arizona Health Insurance

Always on the Hunt for Information: Information Sources on Arizona Health Insurance

Arizona Health insurance can be baffling, specially if it is your first time shopping around with different companies. Terminology such as deductible, co-payments, and pre-existing conditions can be baffling if you do not know what they really mean. There are many ways to find out more about health insurance so that you are as knowledgeable as possible. You could talk to an independent health insurance broker who can give you an explanation and also an example to further your understanding. The Internet is also a great informational tool when you have any questions regarding information that you need to know about health insurance.

Logically, you would assume that the independent brokers would be able to answer any questions that you have about terminology and any other queries that you have. The best way to get in touch with them is to simply go online and do a search for insurance brokers in your geographical area and ask any questions that you have, no matter how general or specific. They are there to help you, and this should be your primary concern. Think about it-if an broker isn't helpful with your preliminary questions, just how helpful will he or she be if you need to settle a claim? If you get your health insurance through the company that you work for, there is usually a person in charge of handling any questions. Usually their title is "benefits administrator" and you would go to them with any questions regarding your health insurance plan, such as adding a spouse or children to your plan.

For answers to general inquiries such as terminology confusion, an Internet search engine can point you straight to your answer. This is a great options available to anyone who does not want to call their health insurance broker just for a couple of simple questions. There may be information that you had overlooked in the past when you quickly skimmed through your policy. Your specific provider may have a web site where you can get facts about anything, including anything that you may not have been clear on regarding any additional benefits they offer. You can read all of the information available at your own pace and on your own time.

If you would like to know more about Arizona health insurance, rest assured that there is a lot of information out there. You could make a call to your agent and ask away on any questions that you have. For those who would prefer to learn the ins-and-outs of insurance at their own rate, the Internet has immeasurable information that is accessible to you at any time of day. Arizona Health insurance can be complex at first, but the more you know the better off you will be. I just want to take a moment and offer my services to you if you have any questions relating to Arizona Health Insurance. It doesn't matter how large or how small the question is, I want to be a resource for you. I look forward to aiding you!

About the Author:
Matt Irons is the owner of Irons Family Insurance in Queen Creek, Arizona. Matt Irons is devoted to the well being of his clients, by providing peace of mind and helping them get quality Arizona health insurance at an reasonable price. He cares by giving honest answers and advice to solve your Arizona health insurance needs.

Contact Information:

Matt Irons
Email: matt@ironsfamilyinsurance.com
Phone: 602-573-4198
FAX: 623-691-8033
http://www.IronsFamilyInsurance.com
http://www.AZHealthQuote.Net
http://www.Arizona--Health--Insurance.com

Affordable Arizona Health Insurance for the Unemployed

Affordable Arizona Health Insurance for the Unemployed

Being unemployed can be a financial downside to say the least. You may be dependant on someone else to cover your daily expenses such as a place to live and food to eat. Arizona Health insurance is something that everyone needs and not enough people have available because of these other financial burdens. Any emergency such as a car accident or broken bone will require adequate medical assistance. What do you do when you don't have insurance and can't afford expensive medical bills? If you are unemployed, you need to find Arizona health insurance to prevent this from happening.

COBRA is a law in which many people could be eligible to remain on an employer's health insurance plan even after they lose their employment. The most ideal person for this coverage is someone who is between jobs and is not in need of long-term help. It can last at least a year to those who qualify, but the premium amount is still an expense that some unemployed individuals may not be able to take care of with their lack of income. If you are able to pay the premium and are eligible, COBRA will also cover your spouse and children who are dependent on you for insurance. The best way to determine if you could receive health insurance is to contact your local employer's benefits department and fill out the required forms.

Another option is to shop around for individual Arizona health insurance plans. Seek the service of a local independent health insurance broker. A broker does not work for a single health insurance company, but represents several companies. To say it another way, the independent health insurance broker works for you NOT the insurance company. By speaking with one of these insurance experts, you can get help finding the most affordable health insurance that will fit your specific needs. They know the rates of thousands of insurance companies and can fix you up with appropriate coverage to fit your situation. If you have a spouse or children, having Arizona health coverage is a necessity. Life is full of unexpected events and you cannot ensure that everyone will stay completely healthy until you have insurance--because accidents do happen. Finding an affordable Arizona Health Insurance plan on your own can be a hassle. Why not use the expertise of an Arizona independent health insurance broker? Independent brokers offer their assistance to you as a free service. Whether you need to find something short-term or for an extended period, they are qualified and dedicated to helping you.

If you find yourself unemployed at any time in your life, you are probably without Arizona health insurance. This can be a nightmare whether you have a family or not because medical expenses can put you into debt quickly. Luckily, there are ways of finding affordable coverage providers that can keep your health, as well as your finances, safe. A simple doctor visit can cost you significantly more money than it would with insurance. Do not let yourself become one of the many people who are unfortunately living life without proper health insurance coverage.

About the Author:
Matt Irons is the owner of Irons Family Insurance in Queen Creek, Arizona. Matt Irons is dedicated to the well being of his clients, by providing peace of mind and helping them find quality Arizona health insurance at an affordable price. He cares by giving honest answers and advice to solve your health insurance needs.

Contact Information:

Matt Irons
Email: matt@ironsfamilyinsurance.com
Phone: 602-573-4198
FAX: 623-691-8033
www.IronsFamilyInsurance.com
www.AZHealthQuote.Net
www.Arizona--Health--Insurance.com

Health Savings Accounts in Arizona

If you are considering changing your Arizona health
insurance policy, you should be aware of the option
of a Health Savings Account (HSA).

Health Savings Accounts started to become available
(and legal) in 2004, allowing people with
high-deductible insurance policies to set aside
tax-free money to fund medical expenses up to the
maximum deductible amount.

If you don’t have to use the funds, it rolls over
every year. Once you reach age 65, you no longer are
required to utilize it for health costs, though you
positively can; you can remove money under the same rules as a traditional IRA.

Though you will be penalized if you use the money
for non-health costs before to age 65. You can use
the funds for vision care, alternative medicine or treatment and dental care.

For 2008, an individual may put asideup to $2,900 tax
free. The maximum deductible would be $1100 and the
maximum out-of-pocket cost would be $5,600.

For a family, the maximum tax-free contribution is
$5,800 with the maximum deductible of $2,200 and the
maximum out-of-pocket cost would be $11,200.

HSA'S are definitely a doable way to shelter income while providing catastrophic insurance coverage in light of the high cost of low-deductible medical insurance policies.

For healthy people, it deserves some study. Talk to with your medical insurance broker for all of the facts concerning this style to managing your insurance
requirements.

About the Author:
Matt Irons is the owner of Irons Family Insurance in Queen Creek, Arizona. Matt Irons is dedicated to the well being of his clients, by providing peace of mind and helping them find quality Arizona health insurance at an affordable price. He cares by giving honest answers and advice to solve your health insurance needs.

Contact Information:

Matt Irons
Email: matt@ironsfamilyinsurance.com
Phone: 602-573-4198
FAX: 623-691-8033
www.IronsFamilyInsurance.com
www.AZHealthQuote.Net
www.Arizona--Health--Insurance.com

Arizona Health Insurance Basics

Arizona Health Insurance Basics

Arizona Health insurance, in this modern world of cancer,
heart disease, AIDS, diabetes, asthma, ageing and
other diseases and afflictions, it is essential to
have some sort of Arizona health insurance plan.

There are many levels of Arizona health insurance coverage
available; unfortunately, like most things in life,
you get what you pay for, and good coverage can be very expensive.

The two most common terms in referring to Arizona health
insurance are premium, which is the amount paid for
the insurance, and deductible, which is your
out-of-pocket expense before the insurance pays your
provider.

For instance, you might pay $300 premium per month for
family coverage, and your deductible might be $250 per
person, which means if you fell and broke your ankle
and went to the hospital emergency room, you would be
required to pay the first $250 of the charge.

You can pay for very basic catastrophic coverage, which would hold a very high deductible and the
premium would be less than comprehensive coverage
which would have a higher premium and lower
deductible.

It pays to put in the time to explore various
insurance options, taking into consideration your age,
your general health and the health of your family members.

Your employer may offer group health insurance, which
is most likely the least expensive choice for you, and
generally the premium is deducted from your paycheck.

Arizona Health insurance is a calculated risk. Can you afford
the premiums,or are you willing to gamble that you would
pay less out of pocket for medical expenses in a year
than the premiums would cost? Consider the choice carefully! If you lose that bet you will put yourself in financial misery. You simply cannot afford to take that chance in NOT having Arizona Health Insurance. There are too many affordable options to be had to meet any financial situation. I recomend talking with your local Arizona Health Insurance broker.

About the Author:
Matt Irons is the owner of Irons Family Insurance in Queen Creek, Arizona. Matt Irons is dedicated to the well being of his clients, by providing peace of mind and helping them find quality Arizona health insurance at an affordable price. He cares by giving honest answers and advice to solve your health insurance needs.

Contact Information:

Matt Irons
Email: matt@ironsfamilyinsurance.com
Phone: 602-573-4198
FAX: 623-691-8033
www.IronsFamilyInsurance.com
www.AZHealthQuote.Net
www.arizona--health--insurance.com