Health And Life Insurance Quotes From Arizona Assurance Agency, Inc.

There are several different types of individual health insurance. You can get fee-for-service, HMO, or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.



Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you. He will make sure the policy protects you from high medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.

If your family includes just two adults, it is sometimes less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because situations change, it is essential to review your health insurance regularly with your agent.

Cost is not the only consideration when buying health insurance. It is difficult to determine precisely what you will spend per year on health care. You do not know whether you will be sick six months from now and need an operation. It would be best if you also considered the benefits of each policy - compare plans carefully for both cost and coverage with your agent.

Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by our agent.



Not all employers offer health insurance. You might find this the case with your job, primarily if you work part-time for a small business. If your employer does not offer health insurance, you can buy an individual policy. However, it would help if you utilized your agent to compare your options and shop carefully for the best coverage for you.