Arizona Health Plan Basics

Arizona health insurance has many of the same rights and regulations as other states. The Health Insurance Portability and Accountability Act allows health consumers the same protections as other states, including:

• Exclusions for pre-existing conditions are limited and certain conditions cannot be excluded -- even if an employee's health plan or provider changes.
• Guaranteed availability of coverage for small and large employers
• Allows employees to add dependents or spouses to their current health plan.
• Preserves the employee's own coverage for an extended period of time after losing their job or changing jobs (COBRA).

Learn about Arizona health insurance basics today. Start by getting yourself a quote.

Arizona's Basic Health Insurance Rights and Protections

Arizona's state-specific health coverage includes a guaranteed appeals process for up to two years. If an insurer denies your claim, for example, you still have the ability to claim your right to that coverage if you feel the policy specifically allowed it.

Arizona insurance companies offering small group coverage must also provide small group coverage, regardless of the company size and the provider cannot deny coverage for the small group due to the health condition of any of its employees.

In addition to these rights, Arizona insurance providers cannot impose a waiting period for a pre-existing condition for more than 12 months for any group member.

In order to fully understand Arizona's health plan basics you probably will want to explore the type of health insurance plan you're considering from the sidebar above.

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