Tempe Health Insurance

Qualified Health Insurance
Brokers Near Tempe

As the most qualified health insurance agents near Tempe, Phoenix Health & Life Insurance is equipped with the expertise and knowledge to help you navigate the confusing and critical nature of health insurance policies currently available on the market. Let our trusted insurance brokers help you get started today.

Exclusive Life Insurance
Plans Near Tempe

At Phoenix Health & Life Insurance, we have a strong commitment to ensuring that our clients have the best life insurance policies at their disposal, and that their financial goals are met. Consult with our life insurance brokers in Tempe today to learn about the wide range of exclusive life insurance plans we have to offer.

Tempe Medicare Policies

Medicare is a federal health insurance program that insures many citizens throughout the U.S., but it’s still far from perfect. It offers a wide range of coverage, but still falls short in some areas. At Phoenix Health & Life Insurance, we carry a variety of policies that are designed to provide care that Medicare fails to cover, filling the gaps and giving you the assurance you need.

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 Near Tempe

    UnitedHealthCare
    Humana
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    netwell

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

    Tempe Insurance Products & Services

    We specialize in the following
    Short Term Healthcare Plans Near Tempe

    Short-Term Health Insurance Plans

    Tempe Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Tempe

    Medicare Advantage Plans

    Tempe Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Tempe AZ Medical Supplement Plans

    Medicare Supplement Plans

    Car Accident Insurance Plans Near Tempe

    Tempe Accident Plans

    Annuities Tempe Insurance Brokers

    Tempe Retirement Annuity

    Dental Insurance Plans Near Tempe

    Dental Insurance Plans

    Life Insurance Plans Tempe, AZ

    Life Insurance Plans

    Long Term Health Insurance Options In Tempe AZ

    Long Term Care

    Critical Injury Health Insurance Coverage Near Tempe

    Critical Illness Plans

    Phoenix Health & Life Insurance is a top-rated health insurance company in Tempe that has a team of licensed health insurance brokers who can help you choose from a wide range of plans to give you the coverage you need. From individual and family plans to Medicare Advantage and group health insurance, we can guide you in the right direction.

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

    Meet The Agents Of Phoenix Health Insurance Near Tempe

    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 did a great job assisting me with my health insurance. I was a bit overwhelmed and she made it quick and easy!”

    Jamie D.

    ★★★★★

    “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.

    ★★★★★

    “Thank you Chris. He listened and delivered with the best option for health insurance for my family by a long shot. Appreciate you!”

    Keith E.

    ★★★★★

    Our Service Areas

    West Valley Health Insurance

    West Valley Health Insurance

    The team at Phoenix Health Insurance is dedicated to helping clients throughout the West Valley find the insurance plans they need to give them the ultimate peace of mind. Consult with our trusted, #1 West Valley health insurance brokers today to get started!

    Tempe Health Insurance

    Tempe Health Insurance

    As a leading Tempe health insurance agency, Phoenix Health & Life Insurance carries a number of health and life insurance plans, from group health and dental plans to individual, family, and Medicare plans. Get in touch with a licensed insurance agent today to learn more.

    East Valley Health Insurance

    East Valley Health Insurance

    Phoenix Health & Life Insurance is a leading East Valley health insurance broker with years of experience helping clients seek the proper health and life coverage they need. To learn more about the health and life insurance policies we offer, contact our trusted agents today.

    Scottsdale Health Insurance

    Scottsdale Health Insurance

    When shopping for health coverage and life insurance policies, it’s important to have a qualified Scottsdale health insurance broker on your side who can help you navigate this complex market. For the best policies and a friendly team of insurance agents to support you, contact us today!

    Our Health Insurance Blog

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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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      Contact our office Near Tempe

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

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