Health Insurance Types in Arizona
Arizona has a large selection of insurance policies, and your choice will depend largely on what your health needs are. Whether or not you have children, spouses, or other dependents -- or if you require prescription drugs -- all of this will help you decide on an insurance plan.
We've organized the top Arizona health plans into a few categories. Click on the plan that interests you to begin your search for the Arizona policy that's right for you!
Request a quote today and compare different Arizona health insurance policies.
- HMO Plans: Arizona's HMO Plans provide you with a large network of physicians qualified to treat you through the health management organization. HMO plans are widely known as the cheap health plan.
- PPO Plans: Preffered provider organizations in Arizona provide you with a high-quality network of doctors. These plans also offer much more flexibility compared to the HMO plans.
- POS Plans: POS plans are a type of HMO plan that still allow you the flexibility of choosing a physician that is out of the network; however, you will pay higher fees, and you will also need to file a claim.
- SDHP: Also known as a self-directed health plans. Arizona SDHPs provide even more flexibility than an HMO or PPO by providing funds for preventative care every year operating in a way similar to health savings accounts.
- Health Savings Accounts (HSAs): Health savings accounts allow you to deposit tax-deductible contributions towards healthcare expenses. You can withdraw these funds at any time in the year in order to cover healthcare costs and you can deduct any expenses from your yearly tax return.
- Fee-for-Service: Fee for service plans give you more freedom and flexibility than any other health plan. You choose which physician and care you want to receive and you pay after receiving your care (generally about 20%). These plans tend to be the most expensive of the Arizona health plans, simply because you have the greatest flexibility in care.
- Prescription Plans: Prescription plans are often offered separate from your main insurance policy, and they generally cover certain types of druge. Some drugs can be excluded from your plan, so you should explore the coverage before deciding on a plan.
- Small Group Insurance: Small group insurance in Arizona offers health insurance policies to small businesses (usually from 2-50 employees). Arizona insurance regulations require that small businesses are guaranteed the same coverage as large companies would normally receive.
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