Affordable Family Medical and Dental Plans

List of Health Insurance Companies

Aetna Health Insurance
Aetna health insurance company is the top choice for Arizona health insurance.  Of course, there is no insurance company that provides a comprehensive coverage. Let’s take a closer look on the health insurance plans offered by Aetna and see if they are a good fit to your medical needs.

Aetna is the first insurance company that offer consumer directed health plans and it receives an A rating by A.M. Aetna is the best choice when comes to its health care insurance coverage. Aetna have over 793,000 healthcare professionals that are affiliated to them, 462,000 primary care doctors and doctors and 4,716 hospitals in the United States and they are growing. Aetna is one of the biggest established health insurance companies in Arizona. Aetna offer eight plans on health insurance coverage. The following is a review of each plan listed.

PPO1000: This plan gives you $1000 deductible per individual and $2000 per family. The members of this plan use PPO network and the maximum out of pocket is $2500 for an individual and $5000 for a family. You will be require to pay a $20 fee for office visits ($35 if the visit is an soecialist) and their prescription coverage can be divided according to whether the drug is generic, brand name or specialty.They are price at the rate of $15, $25 and $40 respectively. The benefit of this plan is that if you meet your deductible, you only have to pay for 20% for your hospitalization.

PPO1500: The premium for this plan is relatively high but they offer you $1500 deductible for individual and $3000 for family. The coverage of this plan is the same with PPO 1000 as the copayment for doctor visits, specialists and hospitalization is the same. The difference with this plan is the prescription coverage that range from $15 to $40 and their maximum out of pocket is higher, $3000 for individual and $6000 for family.

PPO 2500: As described in its name, the plan offer $2500 deductible per individual and $5000 per family. The co-payment for hospitalization is the same as two plans previously discussed, but the doctor co-payment varies with $25 for office visits, and $45 for specialist. The maximum out of pocket is $5000 for an individual and $10000 for a family and prescription drug coverage range from $15 to $40.

PPO 5000: The premium for this plan is much more lower than all the other insurance plan because it is highly deductible in using this services. This plan offers a $5000 deductible for individual and $10000 for family. The charge for office visits will be $25 and $49 for specialist. You only have to pay for 20% after deductible and its prescription coverage ranges from $15 to $40. The maximum out of pocket is much higher with $7500 for individual and $15000 per family.

PPO Value 2500: The plan offers high out of pocket expenses and copays with a moderate monthly premiums. The office visits charge differ for your 1st and 2nd visit and you will pay only $30 but on your 3rd visit you will be charged 30% after you pay your deductible. The plan offer $2500 deductible for individual and $5000 for family. The maximum out of pocket is $5000 for individual and $1000 for family. The prescription coverage is divided into three tiers with the copays of $15, $35, and $50 respectively.

First Dollar PPO 35: The plan is one of the famous in Arizona as it offers moderate monthly payment with excellent prescription coverage along with moderate premiums. The plan do not offer deductible and the maximum out of pocket is $3500 for individual and $7000 for family. The  office visits are $35 and $45 for specialist. The prescription drug coverage is divided into three tiers and cost $15, $25 and $40. This plan requires you to pay a 35% coinsurance for hospitalization.

Preventive and Hospital Care 1250: This plan allow you to go to any recognized health care professional to receive treatment. The premiums are low as the maximum out of pocket is a little bit higher. The plan offer $1250 deductible for individual and $2500 per family and the maximum out of pocket is $1250 for individual and $25000 for family. The plan does not provide coverage for doctor visits and prescription coverage as this is a preventive care plan. You will pay 20% for hospitalization after you meet your deductibles.

Preventive and Hospital Care 3000: The plan gives you the freedom to go to any recognized health care professionals just like the other plan discussed before. This plan is a Health Savings Account compatible coverage. This means that you pay for medical expenses on tax advantage basis. The plan offer a $3000 deductible for individual and $6000 for family. It has a maximum out of pocket of $5000 for individual and $10000 for family. The plan does not offer coverage for doctor visits and prescription coverage. You pay for 20% hospitalization insurance after you meet your deductible.

These health insurance plans is available in Arizona by Aetna Health Insurance. It is important to obtain quote before you decide on which plan. A plan that has low monthly premiums is not affordable if it don’t meet your specific budget.

Humana Health Insurance
Humana Health Insurance Company receives an A – rating with A.M. Best which is one of the leading insurance ratings companies. This rating shows that the company is financially stable.

Humana Health insurance ranked #194 in the nation with a score of 80.3 out of 100. The ratings they receives is based on the treatment and a little consumer assessment. Humana Health Insurance do better in preventive care. However, the #1 plan in the country only have 91.7.

Humana One is Humana’s individual insurance plan. Humana One offers a number of insurance policies. Humana One allows an individual or family to choose from four deductibles: $500, $1,000, $2,500 and $5,000. After the deductible expense is met, the Human Health Insurance policy pays 80% of the next $10,000 in covered expenses, the 100% up to $5,000,000. Humana One offers 80% coverage in doctor visit after you meet your deductible. The coverage for prescriptions is $500 deductible with a co-payment: $10 for generic drugs, $30 for brand name drugs, and $50 for drugs not listed on their formulary list.

AARP Health Insurance
AARP Medicare Advantage health plan is the only health plan which carries the name –  AARP Medicare Complete. AARP Medicare Advantage health plan is offered through Secure Horizons by United Healthcare. The plan offers all the health insurance coverage that is covered in Original Medicare.

AARP website has an information  page where you can  type in your zip code or state to know what they offer in the state. The plans provide you with a list of drugs that they covered so that you will know if the plan is for you. The current plants includes:

·    AARP Medicare Rx Saver -  The plan has low monthly premium and low co-pays.
·    AARP Medicare Rx Preferred – Protects unexpected changes in the prescription drugs cost and covers all of the drugs covered by Medicare Part D.
·    AARP Medicare Rx Enhanced – This plan gives you added coverage for “Tier 1″ generic drugs. This coverage includes an expanded list of frequently prescribed drugs that are not covered by Medicare Part D plans. AARP-Medicare RX Enhanced covers all drugs covered by Medicare Part D as well and some drugs not normally covered by Part D plans.

Cobra Health Insurance
Employer based health insurance that has provide coverage for millions of Americans. However, if the employee quit their job, retire of if their company goes bankrupt, the employees will be without coverage. An employee can choose COBRA upon losing their job. The Consolidated Omnibus Budget Reconciliation Act provide 18 months of additional coverage for the group that consisted 20 or more employees. If the group have not more than 20 employees, COBRA allows up to 6 months coverage.