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Finding health insurance can be complex, but Arizonans have excellent options for finding affordable coverage. At The Arizona Group, our team excels at finding the right coverage and simplifying insurance. Here is a simplified breakdown for finding the right health insurance coverage.
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Understand Your Health Insurance Options
In Arizona, you have a few main options when it comes to health insurance:
Employer-Sponsored Insurance: According to the United States Census Bureau, approximately 86% of U.S. employees working in the private sector provide health insurance. Employers typically incur some of the costs surrounding health insurance premiums with their employees, which helps reduce expenses for their employees.
Individual and Family Plans: If your employer does not provide the health insurance coverage you want, you can buy health insurance on your own. You can call us at The Arizona Group, and we can help you explore multiple coverage options from other insurance carriers. Additionally, you can view health insurance plans at the Health Insurance Marketplace or by contacting an insurance company.
Medicaid (AHCCS): Arizona’s Medicaid program helps provide affordable coverage for low-income residents. To learn more about your eligibility, go to the Medicaid eligibility site.
Medicare: Medicare provides coverage for individuals over 65 years old and some individuals suffering from specific disabilities. You can choose from different Medicare plans depending on your needs.
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Choose the Right Plan
When choosing a health insurance plan, consider the following:
Premiums vs. Out-of-Pocket Costs: Lower premiums might mean higher out-of-pocket costs (like copays and deductibles) and vice versa. Balance what you pay monthly with what you will spend when you use medical services.
Coverage Needs: Think about what services you and your family need. Whether you plan on starting a family or are looking for a new prescription, you must know what is covered. Coverage gaps could be very costly in the long run.
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Learn How to Enroll
During Open Enrollment: During open enrollment, you can easily switch your health insurance plans. A market plan typically has open enrollment in the fall. To learn about enrollment for an employer-sponsored plan, speak to your employer to learn about their enrollment periods.
Special Enrollment Periods: This typically occurs after certain life events, which include moving states, getting married, having kids, and more. To learn more about special enrollment periods, visit HealthCare.gov.
Conclusion
Navigating health insurance in Arizona does not have to be complicated. With proper information and support, you will find a plan that fits your needs and budget. At The Arizona Group, we are here to guide you every step of the way. If you have any questions or need assistance, please reach out. We are committed to making health insurance simple and stress-free for all our clients.