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Arizona Health InsuranceIndividuals and Families

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Arizona Health Insurance
How to find an affordable plan.

Finding health insurance is a top priority for many people in Arizona. With rising health care costs, job losses at a high and many employers cutting benefits, affordable health insurance can be hard to come by. Even for those who still have their jobs or receive coverage through their employer, sorting through and understanding the many types of insurance can be a daunting task. Arizona has a very competitive health insurance market, with most of the major insurance companies providing coverage in the state. The Arizona Health Care Cost Containment System (AHCCCS) is an Arizona agency that offers cheap health insurance options to Arizona residents with lower incomes. It is a type of Medicaid. For those who qualify for AHCCCS, there may in fact be no monthly premiums. To be eligible for their programs, you must be an Arizona resident and your income level must be under the AHCCCS gross monthly limits.

Leading Arizona Health Insurance Companies

BlueCross BlueShield of Arizona: Blue Cross Blue Shield of Arizona (BCBSAZ) is a local, independent and not-for-profit health insurance company headquartered in Phoenix.

Compare Quotes and Understand Your Coverage

When comparing health insurance quotes online, want to make sure that you don’t become a victim of phony insurance. The best way to protect yourself is to do your homework. Health Insurance Online is a great resource that has already checked the validity of the above insurance companies in Arizona. In addition, review your application carefully and make sure to do thorough research on your potential insurer. It is also important to note that small local companies may be able to give you a cheaper health insurance quote, but they might not be able to compete with the national companies in services provided.

You also need to know what the major differences are between those confusing acronyms HMO, PPO and POS are.

HMO stands for Health Maintenance Organization and under these plans a provider develops a list of physicians and hospitals that join their system that you must select from. You need to pick a primary care physician and a hospital that you prefer and are locked into using them for all of your needs unless they refer you to someone else.

PPO stands for Preferred Provider Organization and operates quite a bit like an HMO except that you can pick and choose from the list of providers and use any of them at any time. This plan gives you a cheaper health insurance rate although a little more expensive than most HMO plans but are more popular because of the freedom allowed.

POS is a traditional Point of Service type of health insurance that has no lists or participating physicians. You use your regular doctor or choose from any available physician or hospital and the insurance company pays a percentage of all medical bills for covered services while you pay the remaining amounts.

Covered services are something you need to consider when looking at health insurance quotes. Make sure that cheap health insurance will cover the needs your situation requires such as well care doctor visits if you have young children, how many yearly physicals you are entitled to as an adult, if they have dental or vision coverage, and if your plan will include prescription medicines or there is a rider available for them.

Health Insurance Exchanges in Arizona

To learn more about the benefits of the Health Insurance Exchange in your state, click here

Resources and Information

Arizona Medicare Plans

Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio.  Medicare plan options include Medigap and Medicare Advantage policies:

Arizona Doctor Directory

Doctors practicing medicine in the State of Arizona are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.

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