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Medical Insurance in Arizona: An Overview |
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Home - Health Insurance - Health Insurance Features for Different States of USA - Medical Insurance in Arizona |
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Medical Insurance in Arizona |
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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 CompaniesThe 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:
Arizona Health Insurance for the Small EmployersIn 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:
Arizona Health Insurance AlternativesOn the basis of qualifying criteria, the Arizona residents can opt for any of these following health insurance plans:
Health Insurance Organizations in ArizonaThe top personal health insurance companies, according to the Arizona Department of Insurance are:
For more information on Arizona Health Policies and Organizations, you can contact at: Arizona Department of Insurance:2910 N. 44th Street or,For telephonic assistance, you can call at: |
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