Arizona Health Insurance Information - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, Allied Insurance
Group can offer affordable HMO, PPO, POS, and Major Medical Health
Insurance policy coverages throughout Arizona,
including Phoenix and Tucson.
Health insurance plans that allow you the most choices
in doctors and hospitals also tend to cost more than
plans that limit choices. Individual and family health
insurance plans that help to manage the care you
receive, such as PPO and POS plans, usually cost you
less, but you must give up some freedom of choice.
Learn more about HMO, PPO, and POS managed health
care insurance policies we offer throughout Arizona by
clicking on a link below or click on the link for information
on Major Medical health insurance.
Click on the link below to fill out a secure quote request form for a
Arizona health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or speak with our Arizona
Health Insurance specialist at (520) 918-2886 to discuss the features.
* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
Arizona HMO Health Insurance Policy Overview
Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of
participating doctors from where you live in Arizona. That doctor is used for
typical circumstances such as annual exams and usual health issues. If you
need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor
will refer you to a provider or facility within the HMO system. Your doctor must
give authorization for those services to be covered by your HMO. In other words,
you must see HMO approved physicians and use HMO approved facilities or pay
the entire cost of the visit yourself.
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders
a financial incentive to stay within that network.
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services
cost. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Arizona HMO health
maintenance plan.
Click on the link below to fill out a secure quote request form for a Arizona HMO
health insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or speak with our Arizona Health Insurance
specialist at (520) 918-2886 to discuss the features.
Learn more about the other types of Individual or Family Health Insurance polices
we offer throughout Arizona by clicking on a link below!
We are your local Tucson, Arizona insurance agency, offering affordable family
and individual health insurance policy premiums to residents located in the
following cities and counties: Oro Valley, South Tucson, Cortaro, Vail, Sahuarita,
Benson, Sonoita, Elgin, Green Valley, Continental, San Xavier, Madera Canyon,
Patagonia, Nogales, Tubac, Amado, Carmen, Pan Tak, Rillito, Redington,
Marana, Red Rock, Picacho, Oracle, San Manuel, Mt. Lemmon, Catalina,
Mammoth, Eloy, Casa Grande, Arizona City, Gilbert, Peoria, Glendale, Sun City,
Maricopa, Sun Lakes, Chandler, Mesa, Scottsdale, Sun City West, Tempe,
Phoenix, Cochise County, Santa Cruz County, Graham County, Pinal County,
Maricopa County, Pima County, AZ.
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* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
Arizona PPO Health Insurance Policy Overview
You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or
other services as you do in an HMO. You can see doctors or specialists
outside your PPO network, however, your portion of the costs will be higher.
You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
Arizona PPO health insurance plan.
Click on the link below to fill out a secure quote request form for a Arizona
family or individual PPO health insurance policy that provides excellent
health insurance coverage and services at an affordable cost. Or speak with
our Arizona Health Insurance specialist at (520) 918-2886 to discuss the
features.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
Arizona POS Health Insurance Policy Overview
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance.
Care you receive from out-of-plan health care professionals is reimbursed, but
you must pay an often times much higher co-payment or deductible amount.
While you may choose to see a physician outside the network, if you don't
receive permission from your (PCP) primary care physician, you're likely to end
up submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which
you and the insurance company share the cost for services covered by the
policy.
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Arizona POS health
insurance plan.
Click on the link below to fill out a secure quote request form for a Arizona
family or individual POS health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or speak with our
Arizona Health Insurance specialist at (520) 918-2886 to discuss the features.
Major medical health insurance provides benefits up to a high limit for most types
of medical expenses incurred, subject to a deductible. Once you meet the
deductible, our Arizona Major Medical Insurance plans pay a percentage of what is
considered the "Usual and Customary" charge for covered services. The
insurance company generally pays 80% of the Usual and Customary costs and
you pay the other 20%, which is known as co-insurance. If the insurance
company charges more than the Usual and Customary rates, you will need to pay
both the co-insurance and the difference.
With Arizona Major Medical Insurance plans you can choose your doctor and any
hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible such as
$250 or more to pay each year before the insurer starts paying. The plan will pay
for charges such as medical tests and prescriptions as well as from doctors and
hospitals.
Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health care
providers than managed care plans, such as HMO, PPO, and POS. Major Medical
Insurance may not pay for some preventive care, such as check-ups, and is
usually a more expensive health insurance coverage than utilizing a Arizona HMO,
PPO, or POS plan.
Click on the link below to fill out a secure quote request form for a Arizona family or
individual Fee-for-Service / Major Medical health insurance policy that provides
excellent health insurance coverage and services at an affordable cost. Or speak
with our Arizona Health Insurance specialist at (520) 918-2886 to discuss the
features.
Learn more about the other types of Individual or Family Health Insurance
polices we offer in Arizona by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health Insurance
polices we offer in Arizona by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of Individual or Family Health Insurance
polices we offer in Arizona by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
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services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
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Allied Insurance Group
2424 E. Broadway Blvd.
Suite #114
Tucson, Arizona 85719
Pima County, AZ
(520) 918-2886
Fax: (520) 918-2800
520.918.2886
Allied Insurance Group
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"Metro Phoenix area clients
can call (602) 931-8689 or
(800) 366-5533 for local
quotes and services."