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What You Need To Know About Arizona Group Health Insurance
Arizona health insurance companies offer a wide selection of group health insurance policies for individuals and small business owners. These plans cover employees and their families. The cost of group health insurance in Arizona varies depending on the health history, age, medical conditions, and premiums of the group members. Insureinfoq in Arizona offer different types of health insurance such as, long term, short term, catastrophic, and limited medical. Group health insurance is usually sponsored by an employer who pays the monthly premiums.
The most popular type of group health insurance in Arizona is Short Term Medical Insurance (STIM). This type covers you and your dependents for a specific period ranging from one month to three years. As a member of a small group, you may get a number of benefits like paying lower premiums, getting more coverage, and additional benefits like dental care, vision care, hospitalization, and prescription drugs at a discounted rate. In certain circumstances, STIM plans also provide the option of paying your premium on a tax-deductible basis. Although group health insurance coverage is generally more expensive than individual health insurance plans, it can be beneficial when compared with high-deductible private health insurance plans.
Another group health insurance in Arizona plan is Catastrophic Health Insurance (CHIP). It covers the major catastrophes that the policy holder or family may experience during a specific period. The two major catastrophes are death and disability. Unlike STIM, CHIP does not provide any coverage options regarding age, gender, or medical history. You must pay a higher premium for a private health insurance plan; however, there is a guarantee that you will be given coverage in times of financial crisis.
Blue Cross Blue Shield of Arizona is one of the major health insurance companies in Arizona. They provide basic health insurance coverage as well as prescription insurance coverage for their Blue Cross group of insurance company clients. As with all health insurance companies, they have the option of choosing a discount plan. However, most Blue Cross clients prefer to stick with their basic health insurance plans, including prescription coverage. Blue Cross has plans that are affordable even for self-employed individuals.
One of the larger private health insurance companies in Arizona is Humana. They have an extensive network of doctors and hospitals, and offer benefits for their employees as well. Like many other Arizona health insurance companies, Humana has two health insurance options. Insureinfoq is called Family Health Plan (FFHPs). This plan offers expanded coverage than the State Health Insurance Pool (SHOP). For an extra fee, policyholders of Humana's FFHPs can choose to include hospital bills, surgery costs, and prescription drugs in their coverage.
Another type of group health insurance in Arizona is called Managed Care. Unlike the traditional group health insurance in Arizona, managed care allows patients to choose their own doctors and hospitals, as well as choose what types of coverage (such as prescription drug coverage) they want. Managed care coverage is only available to people who work in an office with a staff who have agreed to accept limited liability. Policyholders can receive referral recommendations and the names of their doctors.
Lastly, there is an alternative group health insurance plan in Arizona called Short-Term Medical Insurance (STIME). STIME is not considered a group health insurance plan, but rather an individual health insurance plan that offers benefits to people only for a limited period of time. This plan was designed to be used by people who are "between" a permanent health insurance plan and a short-term health insurance plan. According to the Arizona Corporation Commission, companies selling STIME must meet certain guidelines, such as: the company must not participate in the sale of group health insurance within a calendar year; the company must provide coverage at a rate not more than 10% higher than the minimum rate required by the state; and the company must issue at least six months of benefits at a cost not greater than the maximum allowed benefit rate.
If auto insurance in dallas or self-employed in Arizona and are looking for group health insurance, it's important that you evaluate all your options carefully before purchasing coverage. Although group health insurance may be a good option for many people, it may not be right for you. Don't forget to compare prices before choosing a policy. Also, make sure you understand all the rules and guidelines concerning group health insurance in Arizona.
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