ARIZONA HEALTH INSURANCE
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ARIZONA HEALTH INSURANCE INFORMATION, HEALTH ORGANIZATIONS AND RESOURCES AND ACCESS TO ONLINE HEALTH INSURANCE QUOTES
As an Arizona resident you can choose from health insurance plans provided to individuals and groups by private insurance carriers. Eligible individuals and families may also take advantage of low-cost and no-cost health insurance offered by Arizona State-funded programs, as well as government-sponsored programs such as Medicaid, COBRA and the Pre-Existing Conditions Insurance Plan (PCIP).
ARIZONA GUARANTEED ISSUE POLICY
Arizona is not a guaranteed issue state for individuals. That means private insurers are not required to sell health insurance to individuals who do not meet their underwriting criteria. You may be turned down, asked to pay a higher premium or offered limited coverage because of a pre-existing condition (see Arizona and the Affordable Care Act below for exceptions regarding pre-existing conditions). When you renew your individual policy, the insurer has the right to increase your premiums based on age and other factors. All small group policies are guarantee issue.
ARIZONA GUARANTEED RENEWAL POLICY
Arizona is a guaranteed renewal state. While your insurance company has the right to increase the premiums on your individual health care policy based on age and other factors, they cannot cancel your policy as long as you pay your premiums, do not defraud the insurers, and in the case of some managed health programs, do not move out of the coverage area. If your Arizona health insurance is provided through an employer’s group plan, your coverage cannot be canceled or subject to higher premiums because of your health.
ARIZONA HEALTH PLANS
INDIVIDUAL AND FAMILY HEALTH PLAN IN ARIZONA
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
KidsCare is Arizona’s health insurance for children under 19.
Children ages 18 and younger that qualify can get medical, dental and vision services; all three services combined in one simple plan.
KidsCare is inexpensive; a family’s payments are based on the family income and the number of children who qualify. KidsCare will cost no more than $50 a month for one child or no more than $70 a month no matter how many children are in the household. Some families may even receive Kids Care at no cost.
General Program Requirements
In order to qualify for this benefit program, you must be a resident of the state of Arizona, under 19 years of age, not covered by health insurance (including Medicaid), a U.S. national, citizen, legal alien, or permanent resident.
STUDENT PLAN INCLUDE:
You’re covered all year, not just during the school year.
You’re covered no matter where you go. School-sponsored plans might only cover you within the state where you go to school. If you are on your parent’s health insurance plan and move out of state, you could run into the same issue.
If you transfer schools, you plan moves with you. This might not be the case for school-sponsored health plans.