Most Arizona plans are managed care plans where you receive
higher benefits when you play by the rules of the plan. Some are
Preferred Provider plans where you receive the maximum benefit
if you stay within the plan's provider network, the physicians,
hospitals and other medical providers who have agreed to the
plan’s schedule of payments for services performed. These
plans usually allow you to receive healthcare services outside
their network of providers, but at an additional cost to you.
Some may require the selection of a Primary Care Physician (PCP), a personal physician who directs all your care and who's written referral you need prior to visiting a specialist.
Family insurance is simply an individual policy with more
than one insured member of the family included in the application
and coverage. Private and personal insurance are other names
for individual health insurance.
Applying for health insurance requires filling out an
application which includes questions about your past health
conditions and treatments, in most cases. The insurance
company uses this information to determine whether to approve
you for coverage. Do not try to hide information about your
health condition, as it can be reason to retroactively
terminate your coverage, leaving you responsible for all of
your expenses from that time forward, less any premiums paid.
If you have exhausted COBRA coverage, loose COBRA coverage
because your former employer went out of business and are
considered federally eligible, insurance companies are
usually required to offer you a choice of two different plans
regardless of your health condition. These can be more expensive
as can be any conversion policy available to you within 30 days
after you terminate employment.
If you have not previously had health insurance coverage, the
insurance company will usually impose a waiting period before
your coverage starts for anything you were treated for in the
past, and in some cases anything you should have been treated
for. Coverage for preexisting conditions may be limited in
coverage, limited in time, or excluded altogether. Please make
sure you understand where you stand with the insurance company
on preexisting conditions during the first 10–day free review
period after receiving the policy, if not before.
If you do not find the information you need here, please
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