Affordable Arizona Group Health Insurance

You can find affordable Arizona group health insurance through your
employer, as well as through an organization or association to which you
belong.

There are nine basic kinds of Arizona group health insurance, and most
affordable Arizona group health insurance plans will offer at least a
variety of each kind of insurance coverage in the overall Arizona group
health insurance plan.

Major Medical Expense

Major medical expense covers just that - major medical expenses.
Policyholders usually have a deductible of medical expenses they must meet
before the insurance kicks in and begins covering a certain percentage of
medical costs.

Disability Income Protection

Disability income protection provides you with a percentage of your regular
paycheck on a particular time basis (weekly, monthly, etc.) during a
specific time period.

Accident Only Coverage

Accident only coverage provides compensation for accidents, including those
resulting in death, loss of vision, a limb, and medical costs.

Specified Disease or Specified Accident

Benefits under this coverage only cover a particular disease or accident.

Medicare Supplement

The Medicare supplement is usually not included in employer-based Arizona
group health insurance, but is a wise investment since Medicare doesn't
always cover all medical costs.

Long-term Care

Long-term care is another type of coverage that may or may not be offered by
an employer-based Arizona group health insurance, but is a wise investment
should you ever need skilled long-term care assistance.

Health Maintenance Organizations (HMOs)

Many affordable Arizona group health insurance plans are HMOs, meaning, you
choose a primary care physician based on a list of HMO participating
doctors; he or she will refer you to medical specialists should you need to
see them.

Preferred Provider Organizations (PPOs)

Similar to HMOs, PPOs allow you to choose from a network of doctors;
however, you may choose a doctor not included in the PPO and pay a higher
deductible or co-payment.

Point of Service (POS)

POS is a balanced mix of HMOs and PPOs.

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