Arizona Health Insurance – How to Get the Best Rate
By: Health Insurance
Submitted: 2009-10-27 12:54:55 | Word Count: 440
Health insurance is a necessity, not only for major medical care, but also for regular preventive care. If you live in Arizona and need health insurance, here are your options for finding the best rate.
The State of Insurance in Arizona
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Arizona statistics reveal 17% of Arizonans don’t have health insurance, placing Arizona 12th among the states for the highest percentage of uninsured. This translates to over one million people without health insurance.
In addition, employer-based health insurance coverage is shrinking in Arizona and is now below the national average. This means that even employed people may no longer have health insurance.
Finding the Best Rate on Arizona Health Insurance
Arizona offers public health insurance programs that provide health care coverage for low-income people through their AHCCCS program (Arizona Health Care Cost Containment System). You can find out if you’re eligible for this program by visiting their website – ahcccs.state.az.us
If you don’t qualify for this program, you need to look into an individual health insurance policy. Keep in mind the following facts about Arizona health insurance policies:
* Insurance companies can refuse coverage to you for pre-existing conditions. There is no waiting period for pre-existing conditions.
* Arizona offers guaranteed renewability. This means that as long as you pay your premiums, your insurance company cannot drop you because you get ill or are injured. However, if you switch insurance companies or even policies within the same company, they can then exclude coverage for your condition.
What does this mean for you? It means you should do your homework and find the best health insurance rate the first time, rather than taking the risk of changing companies later.
The easiest way to make sure you get the best rate is to visit an insurance comparison website. On such a website, you will complete a simple form with information about yourself and your insurance needs. Then you’ll receive quotes from multiple A-rated health insurance companies. All you have to do is compare the quotes and choose the one with the best rate.
