Arizona: Health Insurance Resources and Options

In Arizona, Pivot Health offers the insurance plans listed below, to help consumers with a variety of coverage level options. In the state of Arizona, individuals and families can select Pivot Health insurance coverage to meet their needs and the needs and budget of their family.

  • Short Term Health Insurance – This is a comprehensive medical insurance plan that includes benefits for physician visits, in-hospital care, urgent care facility visits and much more. Covered consumers have the freedom to choose and use any doctor or hospital; there are no medical network restrictions. Pivot Health makes it easy to apply online. After applying, it only takes minutes to find out if you are approved for the plan. Those who qualify can choose to begin their coverage on a specific date they select or within 24 hours of their online application.
  • Supplemental Insurance Coverage – If you need help to pay for high deductibles and other out-of-pocket expenses (many people do these days because deductibles have increased so much in recent years), this coverage provides you cash benefits. You can use these cash benefits to pay out-of-pocket medical expenses, such as your medical deductible or coinsurance, or you can use some or all of it to pay any other types of expenses. When you have a serious accident or illness, almost everyone has other additional expenses besides medical costs. This supplemental coverage becomes part of your total insurance protection package, providing you coverage even if you already have a health insurance plan through your employer’s group major medical plan or an individual major medical plan you have purchased.

Pivot Health plans in Arizona also provide you extra non-insurance benefits, including:

Unlimited telehealth doctor consultations.
Available 24/7, this service is a money-saver and time-saver for most people.
Savings on eye care and eyewear.
Discounts of 15 percent to 40 percent on purchases and services including eye exams, lenses, frames and contact lenses can help you save a significant amount of money on your vision care.
Savings of up to 75 percent on prescription drugs you need.
These savings on prescriptions are available at thousands of participating pharmacies all across the country.

Arizona—Nation’s Highest Premium Increase for Benchmark Plan in 2017: 116 Percent Hike

In Arizona, premium rates on the health insurance exchange skyrocketed, and the state had the highest increase of any place in the nation for its benchmark plan: 116 percent higher than in 2016.

That means a 27-year-old who buys a benchmark second-lowest cost Silver plan will pay $422 a month, compared to $196 a month in 2016, an increase of 116 percent.

On average, across the state of Arizona, premium rates for major medical health insurance plans increased over 50 percent.

An equally important shift in Arizona for 2017 is the low number of insurance companies that are offering health plans. Six companies exited the marketplace in 2017.

  • All counties in the state except one have only one marketplace health insurance company.
  • In Pima County, there is a choice of two insurance companies.

Blue Cross Blue Shield of Arizona is selling in all Arizona counties except Maricopa County. Centene/Ambetter is selling in Maricopa County. In Pima County, residents have a choice of Centene/Ambetter or a catastrophic plan from Blue Cross Blue Shield of Arizona.

At least three of the six health insurance companies that exited the marketplace for 2017 will continue to sell non-marketplace health insurance plans directly to consumers: Aetna, Cigna and Phoenix Health Plans. However, these plans, too, have high premium rate increases for 2017: 33 percent for Cigna and 160 percent for Phoenix Health Plans.

Good news for Arizona: It ranks 7th among all 50 states in the Gallup-Healthways State of American Well-Being performance. States were ranked in five categories.

  • Arizona’s highest rankings were Purpose (liking what you do each day ad being motivated to achieve your goals): ranked 2nd in the nation, and Social (having supportive relationships and love in your life): ranked 3rd in the nation.
  • Arizona’s lowest ranking—although still in the upper half of all states—was Financial (managing your economic life to reduce stress and increase security): 23rd in the nation.

In addition, another national scorecard that ranks health and health care across all 50 states and the District of Columbia shows that Arizona, like many other states, continues to have real challenges in access and affordability of health care and prevention and treatment.

Arizona ranked in the lower half of states for uninsured adults and children, overweight or obese children, children aged 19-35 months receiving the recommended vaccines and adults obtaining the recommended health screenings and preventive care.

On the positive side, Arizona had a lower rates of adults who smoke and lower total individual premium for enrolled employees at a private sector employer that offered health insurance.

With continued uncertainty about the future of health care reform in Washington, it is more important than ever that Arizona residents have a wide range of insurance choices. There may eventually be major changes made, but for now, it’s important to focus on the choices that are currently available.

In Arizona, Pivot Health offers choices to help you meet your needs and your budget.

  • Short term health insurance in Arizona offers residents comprehensive coverage at a cost that is a fraction of the cost of major medical insurance coverage.
  • Supplemental health insurance in Arizona offers consumers the choice of financial protection for gaps in coverage for high deductible major medical insurance plans. People who have individual major medical plans or employer-sponsored health plans generally have high deductibles and high out-of-pocket maximum amounts. Many consumers find these high out-of-pockets expenses are difficult to pay. Pivot Health’s Supplemental health insurance provides a choice of economical protection for many people.

The State of Health in Arizona

The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Arizona an overall ranking of 32 out of 51 (the 50 states plus the District of Columbia).  This is the most recent version of the organization’s scorecard of its comparison for states in the U.S.  The Commonwealth Fund’s Scorecard rated Arizona in several areas, including:

  • Uninsured adults aged 19 to 64: 35th ranking (15 percent in Arizona, compared to the U.S. average of 13 percent)
  • Uninsured children ages 0 to 18:  45th ranking (9 percent, compared to the U.S. average of 5 percent)
  • Adults who went without care because of cost in the previous year:  39th ranking (15 percent in Arizona, compared to the U.S. average of 13 percent)
  • Individuals under age 65 with high out-of-pocket costs relative to annual household income:  27th ranking (15 percent, compared to the U.S. average of 14 percent)
  • At-risk adults who did not have a routine doctor visit in the previous two years:  36th ranking (16 percent in Arizona, compared to U.S. average of 13 percent)
  • Adults that did not visit a dentist in the previous year:  41st ranking (18 percent, compared to U.S. average of 16 percent)
  • Adults with age- and gender-appropriate cancer screenings:  34th ranking (66 percent in Arizona, compared to the U.S. average of 68 percent)
  • Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects:  43rd ranking (66 percent, compared to the U.S. average of 68 percent)
  • Breast cancer deaths per 100,000 females: 13th ranking (19.1 in Arizona, compared to U.S. average of 20.6)
  • Colorectal cancer deaths per 100,000 people: 13th ranking (13.2 percent, compared to the U.S. average of 14.3 percent)
  • Suicide deaths per 100,000:  39th ranking (18 percent in Arizona, compared to U.S. average of 13 percent)
  • Adults who report fair or poor health or activity limitations: 38th ranking (28 percent, compared to the U.S. average of 26 percent)
  • Adults who smoke:  4th ranking (14 percent in Arizona, compared to the U.S. average of 17 percent)
  • Adults who are obese: 22nd ranking (30 percent, compared to the U.S. average of 29 percent)
  • Children (ages 10-17) who are overweight or obese: 47th ranking (37 percent in Arizona, compared to the U.S. average of 31 percent)
  • Percent of adults who have lost 6 or more teeth due to decay or disease:  17th ranking (9 percent, compared to the U.S. average of 10 percent)

Arizona scored positively in a few additional categories, including:

  • A lower-than-national-average rate of Medicare patients with certain medical conditions who received prescription medications contraindicated for their conditions
  • Hospitalized patients are given information about what to do during their recovery at home
  • A lower-than-national-average rate of hospital admissions for children with asthma

2017 Health Insurance Plans in Arizona

The following health insurance companies were offering individual major medical insurance in the state of Arizona as of October 19, 2016, as posted on the website of the Arizona Department of Insurance. Some of these companies only offer individual plans off exchange:

  • Aetna Health, Inc.
  • Blue Cross Blue Shield of AZ
  • Cigna Healthcare of AZ
  • Cigna Health & Life Ins. Co. [statewide]
  • Enterprise Life Ins. Co. [statewide]
  • Freedom Life Insurance Company of America [statewide]
  • Health Net of AZ
  • National Foundation Life Ins. Co. [statewide]
  • Phoenix Health Plan

Pivot Health offers in Arizona

  • Short term health insurance
  • Supplemental health insurance

Medicaid Enrollment in Arizona

More than 330,000 Arizonans have gained Medicaid coverage after the state restored and expanded its Arizona Health Care Cost Containment System coverage. This coverage is paid for largely with funds provided by the federal health law.

Nearly 1.74 million were enrolled in the Medicaid and CHIP (children’s health) program in Arizona as of November 2016. That is an 45 percent increase since before the Medicaid expansion in 2014.

The eligibility standards for Medicaid in Arizona are:

  • Children ages 0-1 year: up to 147 percent of federal poverty level (FPL) income. Children ages 1-5 years: up to 141 percent of FPL income. Children ages 6-18 years: up to 133 percent of FPL income. Separate CHIP program uses eligibility of 200 percent of FPL income.
  • Pregnant women: up to 156 percent of FPL income.
  • Adults: up to 133 percent of FPL, with the Arizona expansion.

Your Health Care Coverage Choices in Arizona

With continued high uninsured rates for adults and children in Arizona, compared to other states, the need for economical choices for health insurance coverage is essential for those who live in this state.

For those in Arizona who do not have health insurance, Pivot Health offers:

  • Short Term Health Insurance — This plan provides comprehensive coverage to meet your benefit and budget needs, at a much lower cost than a major medical policy.
  • Supplemental Insurance Coverage — This coverage helps protect you from the high expenses of deductibles, coinsurance and other out-of-pocket medical and miscellaneous expenses. Many consumers with high deductible plans find it increasingly difficult to pay out-of-pocket expenses.

Pivot Health gives you more choices. As your needs change, we provide you the ability to pivot your insurance coverage to meet your family needs and your budget.

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