Arizona Medical Insurance Plans
Arizona state insurance regulations allow medical insurance companies to decline an application for individual or family medical insurance in Arizona if the application does not meet its minimum underwriting standards. Usually certain medical conditions in an applicant's medical history or a current medical condition cause applications to be declined by the insurer. When applying for health insurance plans in Arizona, these medical conditions are known as pre-existing conditions.
However if you are HIPAA eligible then this rule does not apply to you. You can apply for a HIPAA eligible plan and the insurance company cannot decline your application, these plans are usually more expensive. HIPAA is a federal law that guarantees coverage to qualifying individuals. To qualify for HIPAA you must have exhausted your continued health insurance coverage under COBRA, you must not have insurance coverage at the time of the application and you must not have been uninsured for more than 63 days.
Medical insurance companies offer a wide variety of Arizona health insurance plans to choose from. PPO's, HMO's and indemnity plans are the most widely known and accepted. Read "Types of medical insurance plans" if you are not sure what kind of Arizona health insurance plan would best suit your needs. Be sure to compare plans side-by-side to ensure you select the health insurance plan that best meets your requirements.
In Arizona, insurance companies are allowed to incorporate exclusions for specific medical conditions for a detailed period of time. This means that the insurer is not required to pay claims for a medical condition that was present before your application for health insurance coverage in Arizona. Also, insurance companies are not required by state regulations to apply prior credible coverage to the exclusionary periods on new individual or family health insurance plans in Arizona.
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For more information: Arizona individual health insurance, Arizona family health Insurance, Arizona medical insurance for retirees.
Small Group Health Insurance in Arizona
In Arizona, a small employer group is an employer that has 2 - 50 employees. Unlike individual health insurance coverage, coverage for small group is guaranteed, that is to say a small group cannot be declined health insurance coverage in Arizona because of pre-existing conditions. Insurers can include a 12-month waiting period on new policies for pre-existing conditions. Employers groups are credited with prior credible coverage towards their new policies exclusionary period.
Arizona COBRA and Continuation Coverage
COBRA continuation health insurance coverage is the continuation of an employee's participation in an employer's group medical insurance plan after the employment has ended. The health insurance plan benefits do not change in any way for ex-employees going on to the COBRA coverage, and COBRA coverage will last for 18 months. In some instances dependants may continue health insurance coverage for an additional 18 months. The ex-employee will be responsible for the health insurance premium for his or her coverage; they will also be charged an additional 2% administration fee. If the employer decides to end the employee's group health insurance plan in Arizona or if the employer's business ended, then the insured covered by the COBRA continuation coverage would no longer be insured under their ex-employers group medical plan. The insurance companies may be able to offer a conversion plan to ex-employees in this situation.
Federal COBRA laws apply to companies with more than 20 employees. Arizona does not have a state mini-COBRA regulation for companies with fewer than 20 employees. If you have any further questions regarding Arizona Health Insurance Plans, please contact us.