Health Insurance Carriers in Arizona
Regulations on health insurance and health insurance providers vary in every state. Arizona carriers have state specific health care options for you to choose from. In order to make your task as simple as possible, we have organized health care information for you. Take a look at the list of recommended carriers and follow the links for more information. Then review the information below detailing Arizona health insurance. When you’ve seen everything you need to make a well informed decision, request more information >>
Health Insurance Carriers in Arizona:
Aetna
American Medical Security
Assurant Health (Formerly Fortis)
Celtic
CIGNA
Clarendon National Insurance Group
Fairmont Specialty Group / TIG
Golden Rule
Health Net of Arizona
Humana
PacifiCare
Security Life
Individual Health Insurance in Arizona (including Self-Employed):
Individual health insurance policies fall under different rules than small businesses. For example, if you have health problems, insurance companies are not required to cover you. Withholding coverage is legal, as well, based on a pre-existing condition of you or a dependent. Genetic information cannot be considered a pre-existing condition, but pregnancy can. Also, unlike group plans, individual policies are not required to offer credit for previous coverage on pre-existing conditions. There are no premium limits for individual insurance, but insurance cannot be cancelled in cases of sickness or accident.
Self-Employed Health Insurance in Arizona:
Other than Healthcare Group of Arizona, the self employed are not eligible for group insurance. For association affiliation laws concerning health insurance, contact the Arizona Department of Insurance.
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Group Health Insurance in Arizona (including Small Business):
- In Arizona, if you are eligible for group health insurance, a health problem cannot prevent you from being accepted.
- Once you are accepted, you cannot be cancelled due to illness.
- Should you lose your group or individual health insurance, your conversion policy is open to you for 30 days.
- An exclusion period of no more than 12 months may apply if you have a pre-existing condition and are changing into a new group insurance plan.
- You are eligible for creditable coverage if you have had continuous coverage without breaks longer than 63 days.
- A waiting period may apply before coverage under a new employer or a new insurance with an HMO begins.
Small Business Health Insurance in Arizona:
Group insurance will not be denied to any small business owners with 2 to 50 employees due to the health of their employees. This does not apply, however, to business owners with more than 50 employees.
Premiums for small group insurance will vary – but never be cancelled – based on the health of the employees. For large group insurance, there are no limits on premium variances. Healthcare Group of Arizona is available to the self employed and employers with more than 50 employees.
Arizona Health Care Programs:
For the most up-to-date and accurate information, please contact the Arizona Department of Insurance below --
Arizona Department of Insurance
2910 N. 44th Street, Suite 210
Phoenix, AZ 85018
(800) 325-2548
www.id.state.az.us
Low income individuals are eligible for Arizona Medicaid. Some with children under the age of 18 are eligible to apply for KidsCare.
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