Individual & Family Plans
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PPO
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HMO
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HSA
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Private & Marketplace
Which coverage is right for you?
The Most Comprehensive Coverage
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All Plans include the 10 Essential Benefits
If you are looking for the most comprehensive coverage to include: Pre-existing Conditions, Prescription Drugs, Maternity, Preventive Care and Mental/Nervous, this is it.
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Qualifying for Premium Subsidies may greatly reduce your monthly rates on the Market Place.
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Basic Nationwide PPO Plans
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Guaranteed Renewable up to 3 years!
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If you are generally healthy, and don't need or want the most comprehensive coverage, these plans can be a very good and much lower cost option to consider.
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These are "Private" medically underwritten insurance policies that are not offered on the government Market Place.
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Works well with Concierge & Naturopathic Dr.'s
Ambetter
Open Access HMO - No PCP/Referrals Required
Banner/Aetna
Open Access HMO - No PCP/Referrals Required
BCBSAZ
PCP/Referral HMO - (Health Choice HMO)
Open Access HMO (Focus & Neighborhood Network)
Statewide PPO
Cigna of
Arizona
Open Access HMO - No PCP/Referrals Required
Medica
Open Access HMO - No PCP/Referrals Required
OSCAR
Open Access HMO - No PCP/Referrals Required
United Healthcare
PCP/Referral HMO
Short Term Medical Plans
These Basic PPO plans are often less than 50% the full cost of ACA/Obamacare plans.
This is largely because:
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They do not cover Pre-existing Conditions*, Maternity, Preventive Care, or Retail Prescriptions. * Pre existing limitations expire once policy renews into second year
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These plans are medically underwritten (see Eligibility Questions to qualify)
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They offer more limited coverage than ACA compliant plans.
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A good option for generally healthy people looking for a more Basic PPO health plan.
(Please review Brochures for both Benefits and Limitations)
Allstate Health Solutions
Short Term Medical Plans
For coverage up to 3 years! *
*1 day less than a full 3 years
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Uses the Nationwide Aetna PPO network
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$50 Copay plus coinsurance for Urgent Care
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Free Unlimited Telemedicine Benefit
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Coverage period maximum of $1 Million on Enhanced PPO
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(Eligible Expenses for Pre-Existing conditions are covered
after 12 months on the plan)
Note - If Short Term Coverage makes sense for you now, but later you wish to switch to ACA/Obamacare, we can change your coverage during the next upcoming Open Enrollment, but not before.