Did you know one of the easiest ways to obtain an accurate health insurance quote in Arizona is to do what you are doing at this exact moment, spending a little time online. Many, if not all, Arizona health insurance companies have their premium rates posted on their website. Better yet, visiting a reputable Arizona health insurance broker’s website will likely have additional information, with links to many insurers premium rates and online applications.
Some health insurance companies, Blue Cross and Blue Shield of Arizona as an example, allow you to apply for free when completing and submitting your application online, otherwise a $20.00 application fee likely applies. Keep in mind that the premiums quoted on most insurer’s websites are the, “preferred,” rates, the lowest rates offered to the healthiest among us. Depending on health status, applicants can have rate-ups anywhere between 10% and 80%, and even declined coverage if too many pre-existing conditions are present.
Like any other purchase, price should only be one of several factors when deciding which company is best. One must also consider company reputation, number of complaints with the Arizona Department of Insurance, amount of business done in the state, how long have they done business in the state, how deductibles are calculated and credited within each company, the discounted amount for in network services, (the, “allowed amounts,”) size of network, and the list goes on. Not knowing any one of these factors can lead to thousands of additional dollars being spent on medical care, expenses one may have believed to be covered by the Arizona health insurance company but are not.
Thankfully the health insurance shopper need not be an expert in the field, a trustworthy broker can easily generate a number of quotes for you, answering all of your questions, and making suggestions as well. Arizona health insurance brokers do not charge an additional fee for their services, you pay the same price whether dealing directly with the insurer or with a broker.