Individual health insurance in Arizona provides one with a colorful array of choices almost equaling Arizona's beautiful scenery. Evaluating those choices can be a daunting task. We have been serving Arizona Individuals and small businesses since 1989 and bring that experience to you to assist in your search and decision.

Individual plans are available is several designs and deductibles allowing you to choose options to keep your plan affordable. While not low-cost, the number of choices allows you to select plans to keep your cost low as a trade-off for other benefits.

Most Arizona plans are Preferred Provider plans where you receive the maximum benefit if you stay within the plan's provider network, the physicians, hospitals and other medical providers who have agreed to the plan's schedule of payments for services performed. These plans usually allow you to receive healthcare services outside their network of providers, but at an additional cost to you. Some may require the selection of a Primary Care Physician (PCP), a personal physician who directs all your care and who's written referral you need prior to visiting a specialist.

Applying for health insurance requires filling out an application which includes questions about your past health conditions and treatments, in most cases. The insurance company uses this information to determine whether to approve you for coverage. Do not try to hide information about your health condition, as it can be reason to retroactively terminate your coverage, leaving you responsible for all of your expenses from that time forward, less any premiums paid.

If you are uncertain how a specific pre-existing condition will affect your eligibility, simply contact our office and we will be glad to discuss the specific guidelines and those companies most likely to accept you without future limitations.

We hope that this site is of service to you. If you are not finding what you are looking for, please call us anytime at 480-820-6643 or feel free to email your questions to Larry@Legins.net.