---

Click here  for General Articles on Health Care

---

Copyright Pending

Why Should You Buy Arizona Health Insurance?

The cost of health care has risen drastically over the past few decades. If you do not have Arizona medical insurance to help pay bills, a serious injury or illness can be financially devastating to you and your family.  The most recent studies on bankruptcy show that approximately 50% of all personal bankruptcies are due to serious illness.  Even if you are ill for only three to six months the bills for Arizona health care can total from $30,000 to $200,000 and much more in some cases. If you don’t have Arizona health insurance coverage you can be exposed to high health care bills; or, if you have too little or the wrong kind of coverage, you won’t have enough protection. Add this to the bills you were unable to pay while unemployed and it is easy to see how bankruptcy occurs.

What To Look For When Buying Arizona Health Insurance

• Be sure you feel confident working with the Arizona Health insurance agent and company you choose. It is a good idea to contact the Arizona state insurance department and check that the agent and the company you are working with are licensed to sell insurance in Arizona.

• Learn what kinds of Arizona Health Insurance policies will provide what you need and pick the one best for you. Don’t hesitate to shop around and ask a lot of questions.

• Do not sign an application for Arizona Health Insurance until you review it carefully to be sure the answers are complete and accurate. Make sure that the word “insurance” is actually used and that there is no disclaimer stating that, “This product is not insurance, nor is it intended to replace insurance.”  There are hundreds of insurance scams occurring around the country offering coverage for $50 to $130 to cover the whole family. Don’t get caught in a scam. If it sounds too good to be true, its too good to be true.

• When you buy an Arizona Health Insurance policy, make the check payable to the company, not the agent. Always pay by check or money order, and write your policy number on the payment. Do not give the agent your bank account number for automatic withdrawals until you have verified  the agent and Arizona Health Insurance company background information.

• Ask for a receipt for all Arizona Health Insurance payments. The receipt should include your policy number, the date of payment and the name of the Arizona Health Insurance Company.

Tips for Avoiding Fraudulent Arizona Health Insurance Plans

• The best tool for avoiding fraud is your phone. Call your Arizona Health insurance department and find out whether the insurance agent and Arizona Health Insurance company are licensed in the state.

• Fraudulent plans are most often sold through direct mail solicitations, fax, radio ads or over the Internet, so be especially wary when responding to these solicitations.

• If an Arizona Health Insurance policy costs far less than what other companies are charging, this could be a warning sign. It’s a good thing to comparison shop, but if a policy is significantly cheaper, beware. If it sounds too good to be true, it probably is.

• Beware of an Arizona Health Insurance agent or company that:

  • Refuses to provide proof of state licensure.

  • Insists on cash payments or automatic withdrawal.

  • States this is a “one-time deal” or your “last chance for special savings.”

  • Boasts that the coverage is available to anyone, regardless of history or risk.

  • Verbally states something is covered without showing you the details in a company publication.

  • Tells you no other company provides this coverage or that the only other company is much more expensive.

  • Tells you they can sell you any company but only has company publications for one company.

  Copyright Pending

  ---

If you want to check the status of any company you can do so through the Arizona State Insurance Office at http://www.id.state.az.us/ or the National Association of Insurance Commissioners (NAIC) at  http://www.naic.org

---

We provide Affordable Low Cost ARIZONA HEALTH INSURANCE, ARIZONA DISABILITY INSURANCE and ARIZONA MEDICARE SUPPLEMENTS. We have many companies for Arizona Small Business Health Insurance, Self Employed Health Insurance, Family Health Insurance, Individual Health Insurance and Disability Insurance. We represent many different insurance carriers so our Agency and agents can provide the best value Health Insurance in Arizona available for individuals, families, self employed, group and small businesses.

 There are many choices for Arizona Affordable Health Insurance. If you are looking for health insurance for an Individual, Family, self employed or Business there is a Low Cost Health Insurance plan in Arizona to fit your needs. Programs are available in Traditional, PPO, POS, HMO, HSA's (Health Savings Accounts) or for Catastrophic occurrences. You can use the instant quote buttons to get quotes from multiple insurance carriers and programs. We provide you with health insurance quotes from multiple Arizona Health Insurance companies. We help you choose the health insurance company and health insurance plan that best fits your needs. If you are looking for Arizona Health Insurance for an individual, family, small business, group or are self employed we can find an Affordable Health Arizona healthcare plan to meet your budget.

For Arizona Short Term Health Insurance or Temporary insurance you can get a quote. If you are traveling there is an instant quote button for travel insurance and international insurance. If you have a non-resident relative visiting the U.S. they can get instant quotes and apply for insurance from their country by applying on line through the travel insurance and international insurance SRI button.

---

Where to find more information on Arizona Healthcare and Health Insurance

If you would like more information on healthcare you can go to the U.S Agency for Healthcare Research and Quality at http://www.ahcpr.gov/consumer/

For a complete review of Arizona Health Insurance guidelines for Arizona Individual Health Insurance, Arizona Group Health Insurance, Cobra guidelines and more you can go to the Georgetown University publication for Arizona. The publication is titled "A Consumers Guide to Getting and Keeping Health Insurance in Arizona" and can be seen at http://www.healthinsuranceinfo.net/az.pdf

---