Arizona health insurance
Small
Business coverage in ArizonaSmall Business Health Insurance
in Arizona
Small
Group health insurance offers many options in Arizona. You can easily
get a quote for small business insurance or continue below for more
valuable health insurance information for your small business.
Blue Cross Blue Shield of Arizona (BCBSAZ) offers employer groups
many flexible choices that include PPO, PPO upgrade options, HMO, dual
option (PPO and HMO), consumer-directed health plans and dental plans –
choices that can accommodate practically any employer's budget. See the
table below for an at-a-glance description of BCBSAZ group plans, or
click on the plan name for a summary of benefits.
Group Health Insurance
Group health insurance is insurance you may get through your job or
union, or as a retiree. It usually costs less than Arizona individual
health insurance, which you buy on your own.
Sign Up for Group Health Insurance
When you start a new job, ask how to sign up for health insurance,
when your health insurance starts, and what your share of the cost is.
Compare Arizona medical plans. Look at all the plans your employer
offers to find the one that offers the most benefits you need.
You can add new dependents to your health plan when you marry, have a
baby, or adopt a child. You may also be able to add a domestic partner.
When you add someone to your health plan, your monthly premium may go
up.
Most employers have Open Enrollment in the fall of each year. Open
Enrollment is when you can change your benefit choices. For example, you
can change health plans if your employer offers more than one plan.
Waiting Periods and Pre-Existing Conditions
The group health plan at your new job may not be able to refuse to
cover you if you have a pre-existing condition (an injury or illness
that started before you joined the plan). However, some plans have a
waiting period before the pre-existing condition is covered.
Keep Your Group Health Insurance
Federal COBRA are laws that help you keep your group health insurance
for a certain amount of time if your job ends, your hours are cut, or
you change jobs and there is a waiting period before your new health
insurance starts. You will have to pay the premiums yourself. But it may
cost less than individual health insurance, which is insurance that you
buy on your own. And the benefits may be better.
These laws also help your spouse, former spouse, or child keep health
insurance after your job ends, or after divorce or your death.
Before Your Health Insurance Ends
Get a letter from your health plan that says how long you were
insured. This is called a Certificate of Creditable Coverage. You may
need this letter when you get new group health insurance or apply for
individual health insurance.
Shop for new insurance. Compare the cost of COBRA to the cost of
individual health insurance.
If you buy individual health insurance, wait until you are approved
before you end your old insurance. It can take a month or two from the
time you apply for Arizona health insurance until you are approved.
You can run your Arizona Health Health Quote here
to view rates and plans side by side from the major carriers...Free.
Again, there is absolutely no
cost to you for our services. Call 866/471.8081 Today!