health insurance evaluation

 

We provide the insurance FAQ below to help you understand insurance plans and make sound decisions.

 

 

Question:  Can I still get coverage if I have a pre-existing condition (group health plans)?  

Answer:  Yes, with most carriers.  There are some carriers offering a partially self-funded plan that may ask health questions and may rate up for certain conditions.

 

Question:  Does Arizona have free health insurance?  

Answer:  Arizona provides insurance through a state sponsored health plan called Arizona Health Care Cost Containment System for people who qualify financially.  Also, within the Affordable Care Act (www.healthcare.gov), people may qualify for discounted premiums, in accordance with their annual salary.

 

Question:  How do I know if I’m eligible forCOBRA (Consolidated Omnibus Budget Reconciliation Act)?

Answer:  A federal law in effect since 1986, COBRA permits you and your dependents to continue in your employer’s group health plan after your job ends. If your employer has 20 or more employees, you may be eligible for COBRA continuation coverage when you retire, quit, are fired, or work reduced hours. Continuation coverage also extends to surviving, divorced or separated spouses; dependent children; and children who lose their dependent status under their parent’s plan rules. You may choose to continue in the group health plan for a limited time and pay the full premium (including the share your employer used to pay on your behalf, plus an administration fee). COBRA continuation coverage generally lasts 18 months, or 36 months for dependents in certain circumstances.

 

Question:  What should I know aboutHealth Maintenance Organization (HMO) plans?

Answer:  HMO’swere formed with the idea of controlling costs and providing preventative health care before members get sick. HMO’s are comprised of hospitals, doctors and other medical personnel who have joined to provide health care to members in return for a pre-paid monthly charge. You can go to the provider as often as you need for the same monthly cost and an additional small fee per office visit or prescription. Most other medical services are fully covered. You do not have the option of going to a medical provider who is NOT part of the HMO. Enrollment is usually limited to employer groups, but a few HMO’s will take individual members.

 

Question:  Why should I use a group health insurance broker? 

Answer:  A group health insurance broker is not limited to quoting and selling for one particular company.  A group health insurance broker can quote and sell for many different carriers.  Pitsch Insurance & Investments is a group health insurance broker for all of the major carriers doing business in Arizona.

 

Question:  Do I pay extra for using a group health insurance broker or agent verses going directly to the carrier? 

Answer:  No, you do not pay extra for using a group health insurance broker.

 

Question:  Can you provide a health plan in Phoenix? 

Answer:  Yes, we work with several carriers who provide health insurance in the Phoenix area.

 

Question:  Do you offer faith-based health plans?  

Answer:  Yes, we work with Medishare for individuals.

 

Question:  Do you offer Medicare Supplements?

Answer:  Yes and we are happy to walk you through the Medicare process from start to finish and simplify this process for you.

 

Question:  Which individual plans do you sell?   

Answer:   We sell short term health plans, an individual HMO, and Medishare, a Christian Sharing Health plan, much like a co-op.  There are also HMO plans available on www.healthcare.gov.