Carefree’s Most Trusted Health Insurance

Top-Rated Health Insurance Company Serving Carefree Residents

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    Carefree’s Leading Health Insurance Plans

    Phoenix Health and Life Insurance is proud to be Carefree’s leading health insurance provider. Our promise is simple: to offer comprehensive, reasonable, and personalized coverage to help you improve your well-being. Whether you’re looking for individual health insurance, family plans, or Medicare choices, our knowledgeable team will help you every step of the way so you can choose what suits you better.

    We know that negotiating health insurance plans can be overwhelming, so we strive to make the process as simple and uncomplicated as possible. With the help of our staff, you get more than just a policy; you also get a partner who cares about your health and peace of mind. Explore our plans today and see why so many Carefree residents entrust us with their health care.

    Contact us today to experience peace and receive proper coverage for your health needs.

    Variety of Health Insurance Options Available for Carefree Residents

    Reliable Health Insurance Options In Carefree

    Our professional staff offers reliable health insurance options tailored to your needs so you can protect yourself and your loved one’s well-being. Our comprehensive plans ensure you and your family are well-protected for many situations you could face. Trust us to provide the security and peace of mind you deserve.

    Experienced Life And Health Insurance Agents Helping Carefree Clients

    Experienced Life Insurance Professionals In Carefree

    Our team of experienced life insurance professionals is dedicated to helping you find the perfect policy. With personalized service and expert advice, we ensure you get the coverage that best fits your life and financial goals. Your future is in good hands with us.

    Cost-Effective Medicare Advantage Plans Near Carefree, AZ

    Affordable Medicare Coverage Near Carefree

    Phoenix Health and Life Insurance provides affordable Medicare coverage options to anyone living in Carefree. Our knowledgeable team is here to guide you through the process, ensuring you get the benefits you need without breaking the bank. Choose us for quality Medicare plans you can rely on.

    Preferred Local Agency For Individual & Family Health Insurance

    Personalized Health Insurance Plans Tailored to Your Needs

    Maximize Your Coverage At Minimal Rates

    We offer top-notch health plans at minimal rates, ensuring you get the best care without breaking the bank. Your health is our priority, so we do all we can to offer a reliable service.

    Buckeye Custom Insurance Plans

    Tailored Health Plans With Personalized Service

    Experience personalized service with our health plans to get the health insurance you deserve. We listen to your needs and craft coverage that fits your unique situation. You’ll feel cared for and secure thanks to our compassionate and reliable approach.

    Apply for Medicare, United Healthcare, or Other Health Insurance Plans Online

    Complete Your Insurance Online: 100% Digital Process

    Enjoy the convenience of completing your insurance online with our easy-to-understand platform that offers all you need to make the most of your health insurance plans. Our 100% digital process makes it easy and quick.

    Health Insurance Plans With No Paperwork Required

    Say Goodbye To Paperwork With Our Streamlined Services

    Our efficient, hassle-free process means less stress and more time for you to relax and continue with your usual routine. Enjoy a seamless experience designed with your convenience in mind.

    Our Clients’ Testimonials

    5-Star Rated Health Insurance Near Carefree

    • Stacie Howard was great to work with. She knew what I needed as was very knowledgeable of my options and my needs. Stacie has been my agent for a few years now and I would highly recommend her insurance services to anyone!!!

      JOHN S. ★★★★★

    • My visit with Mr Lynn Marble over Health insurance was a great experience. Mr Marble was very knowledgeable about health insurance and helped me with making the right choice for my needs.

      STAN U. ★★★★★

    • Phoenix Health Insurance was referred to me by my business partner. From day one that I contacted them through all the registration process and after, I had a great experience with their knowledge and costumer service.

      NANCY M. ★★★★★

    Family Of Four In Carefree Protected By Health Insurance

    Advantages Of Health Insurance For Individuals & Families

    • Cover Unexpected Healthcare Expenses

      Insurance Options For Unforeseen Medical Expenses

    • All-Rounded Healthcare Coverage

      Comprehensive Healthcare Coverage Explained

    • Detect Health Issues Early

      Promoting Early Disease Detection & Management

    • Financial Security In Case Of Health Problems

      Maintaining Financial Security Through Health Challenges

    • Having Insurance Is Required By Law

      Legal Health Insurance Requirements Across Jurisdictions

    • Mental Health Coverage

      Comprehensive Mental Health Services: Therapy, Counseling & Medication

    Carefree Level Funded Health Insurance / Return Of Premium Health Insurance

    • Predictable Monthly Premiums

      Predictable Monthly Costs: Level-funded health insurance ensures consistent monthly premium payments.

    • Refunds Available For Companies

      Potential Refunds for Low Claims: Businesses may get back part of their premiums if claims are low.

    • Stable Premiums And Potential Refunds

      Stability in Premiums with Refund Opportunities: Employees enjoy consistent premiums with the possibility of receiving refunds.

    • Incentivizes Healthy Practices

      Promoting Healthier Lifestyles: Premium refunds encourage healthy behaviors, offering financial rewards.

    • Flexible Coverage For Business And Employees

      Customizable Insurance Options: Coverage can be adjusted to meet the unique needs of both the business and its employees.

    • Control Over Your Business' Healthcare Budget

      Financial Oversight on Healthcare Expenses: Level-funded plans give businesses control over their healthcare spending.

    Become a Member

    Explore A Broad Spectrum Of Health Insurance Plans From Leading Providers

    Family health insurance is an important part of caring for your family, and with the help of our experienced, top-rated Phoenix insurance agents, you can gain the knowledge and education you need to make informed healthcare decisions.

    We offer many health plan options so you can choose the best one for your needs and budget. Moreover, our plans include comprehensive coverage, from routine check-ups to major medical expenses, giving you the peace of mind you deserve. With flexible options and competitive rates, we make it easy to protect your health and well-being.
    Consult our top-rated staff of qualified, and certified insurance agents to learn how to enroll in family and individual health insurance in Carefree. Contact us today to get started.

    United Healthcare
    aetna
    Cigna
    BlueCross BlueShield of Arizona
    Humana
    netWell

    A Health Sharing Ministry That Cares For Its Members As A Family

    Health Insurance Solutions For Carefree Homes & Businesses

    Protect Your Employees’ Well-Being With Comprehensive Insurance Coverage
    Health Insurance Plans For Carefree Families And Business Owners

    If you want to sign up for individual and family health insurance policies, contact Phoenix Health & Life Insurance’s top-rated team of health insurance brokers. We provide a wide choice of affordable health insurance plans in Phoenix and take a world-class approach to assisting families and individuals in finding the correct coverage to match their needs. Searching for the correct coverage is a difficult process, and only a certified, experienced Carefree insurance agent can guide you through the complexities of the health insurance industry. Consult our top-rated staff of courteous, qualified, and certified insurance agents to learn how to enroll in family and individual health insurance in Carefree.

    Contact Us & Let’s Get Started Today
    623-516-8300

    Best-Rated Insurance Products & Services In Carefree

    Our Core Expertise Covers These Areas

    Individual & Family Insurance Plans

    Protect your loved ones with flexible, affordable health plans designed to offer peace of mind and financial security. Contact us now to get more information!

    Medicare Advantage Plans

    Our Medicare Advantage plans offer more benefits and comprehensive coverage for seniors. Enjoy additional services beyond Original Medicare, including prescription drugs, dental, and vision care to ensure your healthcare needs are completely covered.

    Group Health Insurance Plans

    We offer customizable group health insurance plans for businesses that include complete coverage for each employee. Ensure your team’s well-being with affordable, high-quality health benefits that meet diverse needs.

    Short-Term Health Insurance Plans

    Our short-term health insurance plans fill gaps in coverage while providing temporary protection. These plans are ideal for transitional situations because they provide flexibility and peace of mind when most needed.

    Carefree Accident Plans

    Our accident plans offer financial protection for unexpected injuries. If you’re worried about medical expenses and lost income, don’t worry, our plans offer the protection you need to get peace of mind and support during recovery.

    Life Insurance Plans

    Do you want to keep your loved ones financially safe? Then let us help with our life insurance plans. With options tailored to your needs, we provide comprehensive coverage and peace of mind for your family’s future.

    Critical Illness Plans

    Our critical illness plans offer financial support during serious health challenges. Receive a lump-sum benefit upon diagnosis, helping you manage medical expenses and recovery costs.

    Dental Insurance Plans

    Our dental insurance plans cover routine check-ups, cleanings, and major procedures. Maintain oral health with affordable, comprehensive coverage so you can keep smiling freely.

    Long Term Care

    Our long-term care plans provide financial support for extended healthcare needs. Ensure quality care and peace of mind with coverage for nursing homes, assisted living, and in-home care services.

    Annuities

    Our annuities offer a reliable income stream for retirement. Secure your financial future with flexible options that provide steady payments and long-term growth.

    Medicare Supplement Plans

    Our Medicare Supplement plans fill the gaps in Original Medicare, covering additional costs like copayments, coinsurance, and deductibles. Enjoy comprehensive healthcare coverage with peace of mind.

    Frequently Asked Questions About Health Insurance

    Purchasing health insurance can provide a variety of tax benefits. For starters, if you get health insurance through your employer, the premiums are usually paid using pre-tax cash. This means that the amount of your income subject to federal income tax is lowered by the amount of your health insurance premiums, so lowering your taxable income. If you meet certain requirements, you may be able to deduct your health insurance premiums. Self-employed people, for example, can deduct 100% of their health insurance premiums from their taxable income if they make a net profit for the year. This deduction can cover premiums for not just yourself, but also your spouse and dependents. Additionally, contributions to Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) offer further tax advantages. Contributions to these accounts are made with pre-tax dollars, reducing your taxable income. Money in HSAs can be used to pay for qualified medical expenses without being subject to federal income tax. It’s important to note that under the Affordable Care Act (ACA), there is no longer a federal penalty for not having health insurance as of 2019. However, some states have their mandates requiring health insurance.

    Yes, you can get health insurance even if you have a pre-existing condition. The Affordable Care Act (ACA) enacted significant protections for individuals with pre-existing conditions. Under the ACA, health insurance companies cannot deny you coverage or charge you higher premiums based solely on your health history. This means that regardless of any chronic illnesses, past surgeries, or ongoing medical conditions, you are entitled to the same health insurance options and rates as someone without such conditions. Health insurance marketplaces, established under the ACA, provide a platform where you can compare different health plans and find coverage that fits your needs and budget. These plans must cover a set of essential health benefits, including treatment for pre-existing conditions, without imposing waiting periods or exclusions. For those who receive insurance through their employer, the same protections apply. Group health plans cannot deny coverage or charge higher premiums due to pre-existing conditions.

    A deductible is the amount of money you agree to pay out of pocket before your insurance starts covering the remaining costs of a claim. For example, if you have a $500 deductible and file a claim for $2,000, you would pay the first $500, and your insurance would cover the remaining $1,500. The deductible affects your insurance coverage by determining how much you’ll need to pay upfront in the event of a claim; higher deductibles typically result in lower premiums, while lower deductibles mean higher premiums but less out-of-pocket costs during a claim.

    Yes, prescription medications are typically covered under health insurance plans, though the extent of coverage can vary depending on the plan you choose. Most health insurance plans include a prescription drug benefit, which helps to reduce the cost of medications that your doctor prescribes. Insurance plans use a formulary, which is a list of covered drugs. These formularies categorize medications into different tiers, with each tier having a different cost associated with it. Generic drugs, which are typically less expensive, are often placed in the lowest tier, while brand-name and specialty drugs may be placed in higher tiers with higher co-payments or co-insurance. When you purchase a health insurance plan, it’s important to review the formulary to ensure that your necessary medications are covered and to understand what your out-of-pocket costs will be. Some plans may require prior authorization for certain medications, meaning your doctor must get approval from the insurance company before the medication is covered.

    Having a health insurance policy offers numerous benefits that extend beyond just covering medical expenses. Firstly, it provides a safety net against high medical costs. Without insurance, a serious illness or injury could result in overwhelming medical bills, leading to financial hardship. Insurance helps mitigate these costs, making healthcare more affordable. Secondly, Most health insurance plans cover preventive services such as vaccinations, screenings, and annual check-ups at no additional cost. Health insurance also covers a wide range of services, including hospital stays, surgeries, doctor visits, prescription medications, and mental health care. This comprehensive coverage ensures that you receive the necessary medical attention without worrying about the cost. Moreover, with health insurance, you are more likely to seek medical care when needed, leading to better health outcomes. Regular visits to healthcare providers can help manage chronic conditions, prevent complications, and promote overall well-being.

    Phoenix Health And Life Insurance
    New IRS Rules for Employers Regarding Health Insurance

    Employers must provide affordable health insurance with a minimum value to 95% of their full-time employees and their children until the end of the month in which they reach 26, or face penalties. This is referred to as the employer mandate. It applies to employers with 50* or more full-time employees and/or full-time equivalents (FTEs). Read on below to learn more.

    The IRS has implemented new rules regarding Employer Payment Plans (EPPs) that significantly impact how employers can assist employees with their health insurance costs. Under the Affordable Care Act (ACA), EPPs, which involve an employer reimbursing employees for individual health insurance premiums, are generally not compliant with ACA market reforms. Specifically, these plans can no longer be used as stand-alone benefits without subjecting the employer to potential penalties.

    However, the IRS has introduced Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs) as a compliant alternative. QSEHRAs allow small employers with fewer than 50 full-time employees to reimburse employees for medical expenses, including individual health insurance premiums, without facing ACA penalties. These arrangements must meet specific requirements: they must be funded solely by the employer, and the maximum reimbursement amounts are capped annually. For 2024, the limits are $5,850 for single coverage and $11,800 for family coverage.

    Employers must also provide a written notice to employees, detailing the amount available for reimbursement and informing them that they must report this amount when applying for premium tax credits. Employers must stay updated on IRS guidelines and ensure their reimbursement arrangements comply with current regulations to avoid penalties and provide valuable benefits to their employees.

    The IRS also introduced new guidelines regarding wraparound coverage, a supplementary benefit that employers can offer alongside primary health insurance plans. Wraparound coverage is designed to provide additional benefits that are not included in the primary health plan, enhancing overall coverage without violating ACA requirements.

    Wraparound plans can include benefits such as dental, vision, or supplemental insurance for specific conditions like critical illness or hospital indemnity. The new rules stipulate that for wraparound coverage to be compliant, it must meet several conditions. Firstly, it must be offered in conjunction with non-grandfathered group health plans that comply with ACA requirements. Secondly, the wraparound coverage must be limited in scope, ensuring it does not replace the primary coverage but rather supplements it.

    Additionally, wraparound coverage must comply with cost-sharing limits, meaning it should not impose excessive out-of-pocket costs on employees. Employers are also required to provide detailed information to employees about the wraparound benefits and how they integrate with the primary health plan.

    One significant benefit of compliant wraparound coverage is that it allows employers to enhance their health benefits package without facing the penalties associated with non-compliant health plans. This can be particularly advantageous for employers looking to attract and retain top talent by offering comprehensive benefits.

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    PROUD SPONSORS OF:

    Proud Sponsors Of Save The Family Foundation Of Arizona

    Meet The Agents Of Phoenix Health Insurance Near Carefree

    Lynn Marble: Insurance Agent
    LYNN MARBLE
    Stacy Petro: Insurance Agent
    STACY PETRO
    Chris Gabbard: Insurance Agent
    CHRIS GABBARD
    Stacie Howard: Insurance Agent
    STACIE HOWARD
    Frank Stevens: Insurance Agent
    FRANK STEVENS
    Troy Chevalier: Insurance Agent
    TROY CHEVALIER
    Angela Gabbard: Insurance Agent
    ANGELA GABBARD
    Joe Beehler: Insurance Agent
    JOE BEEHLER
    Joshua Bahr: Insurance Agent
    JOSHUA BAHR
    Karyn Ellsworth: Insurance Agent
    KARYN ELLSWORTH
    Lucy Swagerty: Insurance Agent
    Lucy Swagerty
    Roman Stolcis: Insurance Agent
    Roman Stolcis
    Karen Szilagyi: Insurance Agent
    Karen Szilagyi
    Sue Pearson, Insurance Agent
    Sue Pearson

    Contact Us

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      Phoenix Health Insurance logo

      20823 N Cave Creek Rd Building B Suite 101,
      Phoenix, AZ 85024

      info@phxhealthinsurance.com