Whether you are seeking Arizona health insurance through your employer or on your own you will be offered a variety of plans. In order to make the proper decision about which plan is right for you it is important to know the basic characteristics of the most popular types of Arizona health insurance. After this it is wise to get many quotes for Arizona health insurance and compare them. This is a free way to compare plans and prices.
Fee for service
For many years the fee for service plan was very popular and widely used type of Arizona health insurance. The insured pays a monthly fee (the premium). A deductible is applied to the cost of the services. Some services related to healthy living or emergency services may be exempted from the deductible. Once the deductible has been satisfied the insured and the insurance company share the expense of services. For most companies the split may be 80/20 or 70/30. The company pays eighty or seventy percent, the insured pays twenty or thirty percent. There will be a ceiling on the total amount of money the insurance company will pay in a lifetime.
Health Maintenance Organization (HMO)
HMOs have developed increasingly more common in the last ten years or so. Again, the insured pays a premium which makes him/her a member of the HMO. As a member of the group the member is allowed to visit any of the doctors who are part of the group. These doctors may all work together in an HMO facility or may work in individual offices as part of a group of doctors under contract to the HMO. Members may have to pay what is called a "co-pay" when they visit the doctor. No paperwork is necessary to validate the claims of an HMO member; however, members may wait longer for non-emergency appointments than they would with a indemnity insurance program. An HMO normally requires its members to have a primary care physician who then refers the member to a specialist if needed.
Preferred Provide Organizations (PPO)
The PPO, a blend of theindemnity model and the HMO model, is a fast growing sector of Arizona health insurance. As with an HMO there is a network of doctors from which the insured chooses his/her physician. This physician is responsible for designating the need for specialized care. A co-payment will be required when an office or hospital visit is made. There will also be a deductible and health expenses will be separated at an agreed upon scale between the insured and the insurance company managing the PPO. A person may choose to use a doctor who is outside of the network. Expenses incurred for health care outside the network will make the patient’s part higher.
The easiest way to get a variety of quote options is to contact your local Arizona health insurance broker. The benefit of using an independent broker is that they represent several companies, not just one. They will provide you non-biased information regarding the plan choices. The best part is, their services are FREE to you! When discussing your options with an Arizona Health Insurance broker collect as many quotes as possible in order to compare services and rates. Again by using the services of of a broker it is a free way to learn a lot about all of your choices.
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
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