Arizona Plans Services
We
are here to help you
meet your Arizona health
insurance needs.
We
want to help you find
the most affordable plan
with the richest
benefits.
Navigating the current
insurance landscape is
not an easy matter.
There is a wide variety
of plans to choose
from, and the insurance
terminology can be
confusing. Particulary
under the Affordable
Care Act (Obamacare),
the health insurance
landscape is changing
rapidly. You need an
insurance professional
to act as your
navigator, and that's
what we are here for.
First, we will select as
limited number of plans
for you to look at,
based on your
demographic
information-your age,
gender and zip code, and
also whether or not
you're a tobacco
user-and e-mail them to
you. (Some people are
hesitant about releasing
their e-mail address,
but unless we have a
correct e-mail address,
we cannot forward plans
to you. Be assured that
we do not sell or market
your e-mail address to
third parties in any
way.)
These plans will be one
of four types: PPOs
(preferred provider
organizations),
generally the most
popular plan; HSAs
(health saving
accounts), plans that
have a savings account
attached to an insurance
plan; Medicare
supplement plans for
those 65 and over; and
HMOs (health maintenance
organizations) which
have a very limited
number of plans and
appeal.
On
our website,
arizonplans.com, we have
a easy-to-understand
explanations of these
types of plans and how
they work to help you
choose the best plan for
you. (Start with
"Introduction to Arizona
Health Insurance" on our
website.)
If
you have any questions
about the plan
information we've sent
you, we'll be glad to
answer them by phone or
e-mail. And if you look
at the plans we've sent
and find none of them
will work for you, we'll
go back and look again.
Just provide us with
some guidance-the annual
deductible you can
handle, and the monthly
premium you would feel
comfortable with-and we
will do our best to
match the two.
The
easiest way to get
coverage is apply on
line, and we offer this
service through our
website,
arizonaplans.com, or
through the link we sent
you in the e-mail.
Sometimes the
application process can
get a little confusing,
so if any questions come
up about the application
itself, contact us and
we'll help you answer
them.
Once the application is
in the system, we will
track it with the
insurance company until
a decision has been
made. If a problem comes
up in underwriting,
we'll try to find out
why (although we must be
listed on the "Release
of Confidential
Information" section of
the application to
interface the carrier
about specific medical
information).
As
soon as a decision is
made, we will let you
know as soon as
possible. Also,
sometimes more
information-usually in
terms of a request for
medical records-in
needed. We will make
sure you get the proper
form to furnish this
information (the
insurance companies
generally make this your
responsibility, and we
will need to stay on top
of it to keep the
application moving
forward.)
Once you've been
approved, we will follow
up and make sure you get
your insurance ID card
and policy documents.
Our
long-term goal is to
make your experience in
getting health insurance
for yourself and your
family as painless as
possible. We know you
want to find the best
plan, but also one that
you can afford, and once
it is in place, move on
to more pleasurable
things. We will
certainly help you
during the initial
period, but we are here
to help you long-term as
well. If anything comes
up down the road, don't
hesitate to contact us.
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