South Tucson Health Insurance

Top Rated Health Insurance Policies

Finding the right health coverage for yourself or your family can be a stressful, confusing process. At Phoenix Health & Life Insurance, our licensed South Tucson health insurance agents offer thorough information as you consider coverage options and make the best decision for your needs and your budget.

Qualified Health Insurance Agents

At Phoenix Health & Life Insurance, we know that life insurance is typically not at the forefront of the priority list. However, it is a critical aspect of ensuring the financial security of your loved ones after your death. Contact our experienced South Tucson life insurance agents today to learn more!

Professional Counseling For Medicare Plans

Medicare is an excellent health coverage option for many people, but it requires a secondary plan to ensure any coverage gaps are taken care of. If you need expert help finding a supplementary policy, or have questions about enrolling in Medicare, our South Tucson Medicare agents are ready to help.

Visit Our South Tucson Health Insurance Agency

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

PhX Health Insurance logo on Contact Info

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

EMAIL

View Map | Get Directions

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    South Tucson Level Funded / Return Of Premium Health Insurance

    • Employer pays monthly amount to cover estimated costs
    • Employer pays premium and plan administration costs
    • You are required to pay the claims
    • Plan is available to companies with a certain number of employees
    • Provides the opportunity to benefit from a favorable claims year
    South Tucson Health Insurance With United HealthCare
    South Tucson Health Insurance With Humana
    South Tucson Health Insurance With Aetna
    South Tucson Health Insurance With Cigna
    South Tucson Health Insurance With Bluecross Blueshield
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    A HEALTHCARE SHARING MINISTRY THAT CARES FOR ITS MEMBERS AS A FAMILY

    South Tucson’s Preferred Insurance Products & Services

    South Tucson Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near South Tucson

    Medicare Advantage Plans

    South Tucson Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near South Tucson

    Medicare Supplement Plans

    Short-Term Health Insurance Plans Near South Tucson

    Short-Term Health Insurance Plans

    South Tucson Accident Plans

    Accident Plans

    Life Insurance Plans Near South Tucson

    Life Insurance Plans

    Critical Illness Plans Near South Tucson

    Critical Illness Plans

    Dental Insurance Plans In South Tucson

    Dental Insurance Plans

    South Tucson Long Term Care

    Long Term Care

    Annuities in South Tucson

    Annuities

    No matter what type of insurance policy you need, Phoenix Health & Life Insurance is a five-star South Tucson insurance agency dedicated to helping individuals and businesses find the best policy for their needs. Whether you need dental, emergency, or Medicare coverage, we can help you make an informed decision with confidence!

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

    Meet The Agents Of Phoenix Health Insurance Near South Tucson

    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 has over 10 years experience as an associate agent under Phoenix Health & Life Insurance and specializes in Medicare and Individual/Family insurance plans.

    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:

    “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.

    ★★★★★

    Services Of Our Health Insurance Agency

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Finding health coverage in the East Valley should not be complicated. Our agents at Phoenix Health & Life Insurance are licensed, experienced, and ready to help you make an educated decision about the best policy for your needs.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    Whether you are seeking health coverage for yourself, your family, or your employees, Phoenix Health & Life Insurance offers reliable education in a no-pressure environment so you can take time to ask questions and understand the coverage options available to you.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    When you need professional help finding effective, affordable health coverage in the West Valley, visit our agents at Phoenix Health & Life Insurance. We are highly knowledgeable about all the policies on the market and are an excellent resource for your questions.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    It should not be difficult to find comprehensive health coverage for your family in Tempe! Start browsing your options today at Phoenix Health & Life Insurance, whether you are facing gaps in coverage or want a fresh start.

    Read Our Blog & Learn More About Health Insurance

    Our Health Insurance Agency’s Office

    Phoenix Health And Life Insurance Front Office Photo Near South Tucson
    PHX Health Insurance Outside Office Photo Near South Tucson
    PHX Health Insurance Inside Office Front Desk Photo Near South Tucson
    Phoenix Health And Life Insurance Logo In Office Near South Tucson
    Phoenix Health Insurance Conference Room Near South Tucson

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    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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      PHX Health Insurance Contact Our Office Near South Tucson

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

      EMAIL

      View Map | Get Directions

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