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Medical Insurance in Arizona: An Overview

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Medical Insurance in Arizona

Introduction: In Arizona, the percentage of population that is not covered by any health insurance coverage is significantly getting higher, every year. We have provided below; a functional abstract to make the Arizona dwellers knowledgeable about the health insurance policies of their state that they can make use of. The abstract also contains useful info regarding small business health insurance as well as names of top Arizona health insurance plans and Arizona health organizations.

In relation to a survey conducted by the Center for Disease Control (2004-2006), 22.7% of the total number of Arizona residents, below the age of 65 years was uninsured and 16.7% was uninsured for over 1 year. The situation has become quite alarming, since the number of uninsured Arizona residents, keeps on rising. As of 2007, Arizona had the third highest number of uninsured individuals under age 65; among all states of U. S.

In accordance to the latest census record, the state ranks fourth among all the states in America for the uninsured children. Most of these children that have no health insurance coverage are mainly from those family units where one of the parents works.

Previously, most of the employers provided health insurance coverage to their permanent employees. Nevertheless, nowadays, because of increasing costs of health insurance premiums, the small companies can't sponsor health coverage to their staffs. And, so these staffs have to spend heavy amount of money for their health insurance coverage. The employees find it quite tough to pay such big amount and therefore, are getting reluctant to enjoy the benefits of job-oriented medical insurance coverage.

Some Regulations for Arizona Health Insurance Companies

The insurance commissioner of Arizona accumulates the facts and figures derived from insurance providers that inform to the state authority about their yearly expenditures as well as loss history. Using this information provided by the insurers, The Arizona Department of Insurance (ADOI) decides whether the insurance rates are logical or not and then creates a solid strategy. However, they should inform ADOI about the premium rates they charge. Although, like other American states, Arizona also has acted out rate strategies, but still there is no particular upper limit for rates and rate hikes.

Some of the Arizona Health Insurance providers are accredited by the state authority; while some others are not. The state government has launched some guidelines for the insurers and those are:

There should be a guaranteed provision for renewal; so that the insurer can't drop any agreement for the sake of any sort of health condition.

The insurers can reject any agreement for pre-existing medical conditions.

The insurers can impose an exclusion period for pre-existing health conditions.

There is no specific margin for the insurers in respect of the kinds of pre-existing medical conditions as well as exclusion period that they can or can't prohibit for their permanent elimination stipulation.

Arizona Health Insurance for the Small Employers

In accordance with a survey conducted by the Arizona Health Care Cost Containment System (AHCCCS), as of 2001, 97% of the total Arizona employers have 100 or even less number of employees; while the national average is only 41%. So, in respect of that figure, it is a compulsory issue requirement for the health insurance companies specifically those who provide health insurance coverage to the large and medium sized employers, to issue not less than one health plan or product to the small employers. The product can be any of the followings:

Preferred Provider Organization (PPO)
Point of Service Plan
Conventional Insurance
Health Maintenance Organization (HMO)

Arizona Health Insurance Alternatives

On the basis of qualifying criteria, the Arizona residents can opt for any of these following health insurance plans:

HealthCare Group of Arizona: This Arizona Health Insurance Plan is aided by Arizona State Government and designed specifically to provide health insurance coverage to the small employers having less than 50 staffs and self-employed personnel, as well.

KidsCare: This is an Arizona State Children's Health Insurance Program (SCHIP), created for the children below 19 years. Children from the family units that can't pay for Arizona Medical Insurance and are not eligible for Medicaid, only qualify for KidsCare.