Gilbert Health Insurance

Health
Insurance

The complexities of health insurance can be extremely overwhelming and confusing. From the many options available, to premiums, to gaps in coverage, and more, there is certainly plenty to consider. That is why the agents at Phoenix Health Insurance are ready to help you find a policy that works best for you.

Life
Insurance

While life insurance is typically not at the forefront of people’s minds, it is an important step to take to insure against risk, especially as families grow. The agents at Phoenix Health Insurance can break down the details of life insurance so you can choose the best policy for you.

Medicare Policies

Medicare offers some insurance coverage to many people across the state, but unfortunately, is not a holistic program. While there are many insurance programs designed to work with Medicare and cover the gaps, the complexities can quickly become confusing. Contact an agent at Phoenix Health Insurance to learn more.

Locations

Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024
Mesa Health Insurance
4455 E Broadway Rd #104,
Mesa, AZ 85206
Phoenix Health Insurance logo on Contact Info

20823 N CAVE CREEK RD,
BUILDING B SUITE 101
PHOENIX, AZ 85024

EMAIL

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    LEVEL FUNDED / RETURN OF PREMIUM HEALTH INSURANCE

    United Health Care
    Humana
    aetna
    Cigna
    Blue Cross Blue Shield
    netwell

    A HEALTHCARE SHARING MINISTRY THAT CARES FOR ITS MEMBERS AS A FAMILY

    Gilbert Insurance Products & Services

    We specialize in the following

    Individual and Family Insurance Plans

    Group Health Insurance Plans

    Medical Supplement Plans

    Medical Advantage Plans

    Short-Term Health Insurance Plans

    Dental Insurance Plans

    Accident Plans

    Critical Illness Plans

    Life Insurance Plans

    Long Term Care

    Annuities

    We offer a free evaluation for all products and services. If for some reason the coverage you have is better than what we can provide we will be the first to let you know.

    “When you do what’s right you can’t go wrong!”

    Meet The Agents Of Phoenix Health Insurance Near Gilbert

    Lynn Marble Insurance Agent

    Lynn Marble

    Master General Agent and specializes in Medicare, Individual Family Plans.

    Interview: https://gosolo.subkit.com/lynn-marble/

    Stacie Howard Insurance Agent

    Stacie Howard

    Director
    Individual Family Plans

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Director
    Group Benefits

    Frank Stevens Insurance Agent

    Frank Stevens

    Director
    Financial Services

    Stacy Petro Insurance Agent

    Stacy Petro

    Director
    Customer Service / Operations Director

    Stacie Howard Insurance Agent

    Brent Clouse

    Business Development Manager

    Troy Chevalier Insurance Agent

    Troy Chevalier

    Troy specializes in Group Health, Individual Health, Life Insurance and Medicare.

    Angela Gabbard Insurance Agent

    Angela Gabbard

    Group Account Coordinator and better half of Team Gabbard

    Joshua Bahr Insurance Agent

    Joe Beehler

    Licensed Health and Life Insurance Account Specialist
    Joe is an experienced agent that specializes in Life Insurance, Individual health Insurance, Group Health, Long Term Care, and Dental plans.

    Joshua Bahr Insurance Agent

    Joshua Bahr

    Licensed Health & Life Insurance Agent.
    Joshua, brings his experience as an educator and local high school football coach to his clients to share life and health insurance strategies for families and small business owners.

    Karyn Ellsworth Insurance Agent

    Karyn Ellsworth

    Karyn is a Licensed Health Insurance Agent who specializes in Medicare Planning, & Individual Family Plans. Karyn loves helping others and brings with her over 15 years of customer service expertise.

    Karyn Ellsworth Insurance Agent

    Lucy Swagerty

    Lucy brings over 25 years of experience in Customer Service, Sales and Marketing. Lucy has spent the last 14 year specializing in Medicare, Life Insurance, and Property and Casualty Insurance

    Karyn Ellsworth Insurance Agent

    Roman Stolcis

    Roman brings over 15 years of experience in Insurance and Financial Services. Specializing in Medicare, Life and Annuity, and Individual Family Plans.

    Karen Szilagyi Insurance Agent

    Karen Szilagyi

    A licensed Health and Life Agent. She specializes in Medicare, Individual, Family health plans, Life Insurance and group options.

    Luis Whiteman Insurance Agent

    Luis Whiteman

    A Licensed Health and Life Agent. He specializes in Medicare, Individual, Family Health plans, life Insurance and group options. Habla Español.

    Sue Pearson Account Manager

    Sue Pearson

    Sue brings her years of experience to the Phoenix Health and Life insurance team with her world class customer service. Sue serves as a group benefits account manager, but also as a certified Arizona state licensed health and life agent that takes pride in doing the right thing for our Medicare eligible clients.

    Melonie Vance

    Melonie Vance

    As the dedicated assistant to Stacy Howard Melonie is a valued asset to our family and takes pride in her customer service role.

    Tori Gentry

    Tori Gentry

    Tori is the friendly voice that is dedicated to helping our clients get to the right place at the right time. From scheduling to client check ins, we value Tori and her talents to help keep that human touch that is so hard to come by in business today.

    Our Client Reviews

    “Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”

    STEVIE KING

    ★★★★★

    “When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”

    BRUCE D KLIPP

    ★★★★★

    “Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”

    SCOTT RICHARDS

    ★★★★★

    Our Service Areas

    Scottsdale Health Insurance

    Scottsdale Health Insurance

    Obtaining appropriate health insurance in Scottsdale can be a confusing and difficult process. With the knowledgeable, friendly agents at Phoenix Health Insurance, you will be able to find a policy that works best for the needs of you and your family, to ensure you have proper coverage for your lifestyle.

    Tempe Health Insurance

    Tempe Health Insurance

    Attempting to find appropriate healthcare coverage in Tempe on your own is challenging and downright stressful. When you work with the experienced agents at Phoenix Healthcare, the process will be much smoother, and we will make sure you find the best policy to fit your needs and cover you for life.

    East Valley Health Insurance

    East Valley Health Insurance

    Shopping around for comprehensive health insurance in East Valley causes much stress and frustration, especially when trying to find something that is both affordable and functional. Phoenix Healthcare has your best interest in mind and offers a variety of insurance policies for all of the areas in the East Valley.

    West Valley Health Insurance

    West Valley Health Insurance

    When looking for the best insurance policy for your family at an affordable rate, Phoenix Health Insurance can help. Our knowledgeable agents have valuable experience with all types of insurance policies, and can provide appropriate coverage all over the West Valley area. Contact us today to learn more!

    Our Health Insurance Blog

    Office Tour

    Phoenix Health and Life Insurance Office Front
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    Conference office room at Phoenix Health and Life Insurance

    Phoenix Health and Life Insurance near Gilbert

    New IRS Rules For Employers Regarding Health Insurance

    Within the past year, the IRS posed a question to themselves to consider imposing more specific rules and guidelines to employers. These rules were in regard to the effect of employers’ decisions to contribute to employees choosing alternate healthcare coverage.

    What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the marketplace or outside the marketplace)?

    Employer Payment Plans

    In order to be set apart from health reimbursement accounts (HRA’s) and healthcare flexible spending accounts (FSA’s), the IRA designated the new arrangement of specific guidelines to be known as “employer payment plans”.

    Because employer payment plans are considered to be group health plans, as such they are subject to the provisions and rules of the Affordable Care Act (ACA). This includes the prohibition of an annual limit for essential health benefits, along with the requirement for full coverage on preventive health services. Unfortunately, these provisions also mean that employees cannot purchase separate coverage for these particular benefits, because according to the IRS, employer payment plans “cannot be integrated with individual policies to satisfy the market reforms”.

    The IRS has mandated that because employer payment plans do not satisfy the market reforms, employers would be required to pay an excise tax of up to $100 per day per employee. That totals up to $36,500 per year for just one single employee, let alone 50 or 100 or more employees.

    While the IRS and Department of Labor have decided that HRAs and healthcare FSAs are acceptable plans for helping employees pay for certain benefits including vision, dental, accidents, long-term care, and automobile medical payment coverage, it has been determined that employer payment plans cannot be integrated with either one.

    Wraparound Coverage

    Fortunately, there is an alternate form of health coverage available that is not actually subject to ACA requirements. Called “wraparound coverage”, it was established in 2015 and determines that employers can help employees buy basic health insurance without being penalized. This insurance must be supplementary to a standard health plan that does meet ACA requirements, and coverage cannot cost more than 15% of the standard health plan cost offered to the rest of the employees.

    For employers still pursuing other healthcare options, the penalties for an employer payment plan can be avoided by giving employees a pay raise that will sufficiently cover their health benefits.

    However, if this is the route you choose as an employer, remember that pay raises equal increased payroll taxes. Ultimately, because all income is taxed, the amount your employees will have left available to cover the cost of health premiums will be less than intended. Additionally, employees may soon forget why they actually received the raise, and can quickly become resentful that a standard health plan is not offered to them as valued employees.

    Lastly, it is important to note that even if you provide a salary raise to your employees to avoid employer payment plan penalties, you will still be subject to the penalty required for not providing a health coverage plan to your employees.

    Sincerely,
    Your Team at Phoenix Health Insurance

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      20823 N CAVE CREEK RD,
      BUILDING B SUITE 101
      PHOENIX, AZ 85024

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