Health Insurance in Phoenix
With a little effort, Phoenix residents won’t have to look far to find health insurance plans. We at Health Quote Info can lead you to more than 150 health insurance packages. If you’re in Phoenix looking for the right coverage, all you need to do is to enter your zip code in our search bar, and you’ll get a long list of results that are available for your area.
The plans you’ll see on our website cover individuals, families and employees. These health insurance packages are offered by well-known brands in the insurance market such as United Health One, Cigna, Assurant, Aetna, BCBS, and Health Net. They do differ from one another in significant ways, so you need to carefully study each one to find the health insurance plan that works for you best.
It is true that for a significant portion of the Phoenix population, private health insurance plans may not be the best option. For some, it’s because they have a preexisting medical condition that keeps private carriers from covering the risk. For many others, the issue simply prices, as the cost of private health insurance can be too expensive for those with tight budgets. However, the state of Phoenix offers several alternatives so that even the “medically uninsurable” and the families with low income can get the health insurance coverage they all deserve.
Residents in every state may apply for the federal Medicare program, and that’s true in Arizona as well. The state also offers its own Medicaid program for the people who cannot afford the high cost of health insurance in the private market. This program is called the Arizona Health Care Cost Containment System (AHCCCS).
The AHCCCS has income requirements for applicants to qualify. For those families with children under 19 years of age whose household income doesn’t exceed the stated income ceilings, the benefits of the program are virtually free as there are no monthly premiums to be paid. Yet the benefits are quite comprehensive, as it covers emergency treatments and long-term care along with prescription medication.
It is conceivable that a family may earn more than the limits imposed by the Arizona Medicaid program yet they’re still unable to afford private health insurance. In such cases, the alternative is the federally mandated CHIP program that’s called KidsCare in Arizona. The children of those families who fall into the income gap can then obtain the health coverage they need to help pay for the necessary medical services they will require as they grow up.
The monthly premiums that families have to pay for KidsCare are much lower than the cost of private health insurance plans. But the benefits are similar. The children can visit the doctor regularly, have checkups and immunizations, have their eyes and dental health looked after, and their behavioral health can be monitored.
Those who are already enrolled in KidsCare and the AHCCCS can also qualify for the Arizona Early and Periodic Screening, Diagnosis, and Treatment Program. The EPSDT offers screening procedures and other preventive services to identify medical conditions before they can worsen. This program can save medical expenses as well as lives.
While KidsCare offers essential health coverage for the children, the needs of the adult members of their families are not overlooked. The program is supported by the KidsCare Parents program, and this provides the coverage for the adults. This coverage only lasts as long as their children are enrolled in the KidsCare Program, but at least the adults can enjoy similar benefits.