best health insurance in Arizona
Group health insurance plan offers several valuable benefits for an employee. The main advantage of becoming a member of the group health insurance scheme is that the insured doesn’t have to pay large premiums for taking a private health insurance plan. The employee can work without being worried of their health as he/she will surely get quality medical help immediately if needed.
There are several health insurance companies offering group health insurance schemes. Most of the health insurance companies, as part of their Group Health Insurance Plan, provide the insured (the employees of the company) to take a ‘health check’ once in every year at any private hospital with which the company has tie-up. The health checks will cover a complete check up, which include height, levels of fitness, weight, blood tests, blood pressure. The health checks are done so as to check whether the insured employee is in a good health or to find out a so far undiagnosed condition. What ever be the purpose, the health check is considered to be beneficial for the employee and the employer.
For those individuals who are not a member of the group health insurance scheme has to pay about $150 upwards to perform a complete health check. Hence this is considered as an added advantage for those who are in the group health insurance scheme. Group health insurance also helps to boost the morale of the staffs as they will know that their employer is providing special care about his employees.
There are two health insurance companies on the Arizona state exchange: Blue Cross and Blue Shield of Arizona Inc. and Health Net of Arizona Inc. Unfortunately, if you want to compare health plans from multiple companies, you won’t be able to do so on the Arizona health exchange, as only one insurer is available in every county.
Health Net of Arizona (Ambetter) offers health insurance in Pima and Maricopa counties, while Blue Cross and Blue Shield is the only insurer available in the rest of the state.
Cheapest Health Insurance Plan by County
Only one insurer is available on Arizona’s health insurance marketplace in each county, but both Health Net and Blue Cross and Blue Shield offer multiple policies in each region. To help you find the best health insurance plan where you live, we identified the cheapest Silver policies in each county below
Group health insurance schemes will differ from one insurance provider to another. The insurance coverage will also change according to the schemes you select. But there are certain factors which all the group health insurance schemes will cover for:
Group health insurance policy differs from one insurance company to another. It is always advisable to compare different insurance companies before selecting a group insurance policy. Select the one which suits your company.
- Free Help lines such as a GP Helpline and Stress Counseling Helpline.
- In-patient and day-patient treatment
- Out patient treatments such as physiotherapy
- Specialist consultations after getting a referral from the employee’s GP