Products and Services

Senior Health Insurance
People who are on Medicare have many options in choosing their healthcare in Arizona. Let George and his colleagues at Arizona Senior Health Insurance Solutions show you the many plans that are available to you. People seeking help ask why they should work with an agent instead of enrolling direct with the insurance company? A few of the many benefits of having an agency work with you are discussed below.

  1. As an Arizona licensed insurance agent whose agency specializes in Medicare Insurance products, my colleagues and I receive many hours of specialized training each year to become certified to speak with you about your Medicare-related health insurance plan options
  2. The monthly insurance premium you pay for your plan and the benefits you receive from that plan are exactly the same whether you use an independent agent or enroll direct with the insurance company. That’s right, there is NO COST TO YOU for our service.

Our goal is to help you maximize your benefits. We are available to our clients 7 days a week. you won’t have to call an insurance company and wait on hold to speak to someone that is unfamiliar with you or your policy. We are committed to answering your questions and solving your problems.

Enrolling directly with an insurance company means you are voluntarily
giving up your right to have an agent on the policy represent you and help you should problems arise in the future. With Arizona Senior Health Insurance Solutions, you will always have an advocate that will help you navigate your way through any situation.

We will stay in touch and keep you informed of any rate or benefit changes that may affect your policy in the future. Let us do the work for you. This is what we do.  And remember, we are available for a face to face appointment whenever you need one and there is no charge to you for our service.

Each year at your renewal, we can compare your renewal rates and benefits with those of other insurance companies, and let you know if any other carrier offers a similar plan with a better price.

Under 65 Health Insurance

When purchasing individual health insurance there are many terms used in these policies that you may not be familiar with.  These terms are:

Deductible – This is the portion of any health charges that you pay before the insurance company pays anything (many plans waive the deductible for physician office visits,
instead using an office visit co-pay). ALL plans have a deductible. It may vary
from $0 to $10,000, but it’s always included in the plan benefits.

Coinsurance – After the deductible is met, you enter into a period of coinsurance. It’s just what the name says. Two entities are paying the health costs during the
coinsurance period. When you see the term 80/60 it means that if you stay in
network, you pay 20% and the insurance company pays 80% of the charges. Out
of network, you pay 40% and the insurance company pays 60%. There is normally
a stop loss of $1000 or more that the insured has to pay. In other words, if your
plan reads 80/20 through $5000, you would be responsible for 20% of $5000.
Then the insured’s liability would stop and the insurance company would pay the rest. Not all plans have coinsurance. After the deductible and coinsurance have been met, the insurance company has the liability of any other covered health charges during the plan year.

Network – A group of providers, doctors, hospitals, labs, etc. that have a relationship with the insurance company and have established specific pricing for services. This is the way that insurance companies manage their costs. Knowing your network and using providers in that network is essential to keep your out of pocket costs down.

PPO Health Plans – A PPO almost always has a deductible, and coinsurance. If you stay within the network, there are also co-pays for certain services where the deductible
and coinsurance do not come into play. For example, an office visit might be a
$15-$40 co pay without regard to a deductible of coinsurance. For a hospital
stay, you would be responsible for the deductible and your portion of the
coinsurance. A word of caution, the co-pays are often not all inclusive. For
example, an office visit co pay may mean just covers the physician’s portion ofthe visit. Any lab or x-ray charges, might go towards your deductible and you
would have to pay the charges. There is always an indemnity plan included in the PPO which allows you to seeany doctor you wish, however the out of pocket charge to you will be greater.

Advantages – A PPO provides a great deal of choice of doctors and hospitals.
Because of this, the PPO’s are the most popular plans at this time.

Disadvantages – Coverage not as comprehensive as an HMO and you would
experience greater out of pocket expense.

Indemnity Health Plans – An indemnity plan was the first type of health insurance. There is no network of providers (you can go to any doctor or hospital) and there are no
co-pays. As an insured with a $500 deductible, you would pay the first $500
of any charges. Then you would go into the coinsurance period where both
you and the insurance company are paying, i.e. 80/20 for typically $5000 to
$10,000, costing you another $1000 to $2000.
After that, the insurance
company pays everything up to the limit of the policy. There is always an
indemnity plan attached to every POS and PPO plan.

Advantages – Coverage remains the same for any doctor seen. An indemnity plan
is ideal for rural areas where there are no PPO or HMO networks.

Disadvantages – The cost of an indemnity plan is usually much higher than a PPO 
plan because the insurance company does not negotiate cost savings with the
providers thereby costing them more money whenever a claim is paid out. Also,
there are no office visit co-pays. All charges are applied toward the deductible.

H S A Eligible Health Plans – The Health Savings Account, formerly M S A, was established by Congress in an effort to make people more responsible for their health care costs.
Normally, it is some type of indemnity plan with a high deductible. As an
incentive for a person to manage their health care costs, Congress allowed
an insured to pay into a special H S A account an amount equal to their chosen
deductible. This payment would be taken from the insured’s income on a
before tax basis. The insured would then be allowed to use this account to pay
for medical and related expenses. The money could even be used to cover
medical charges not covered by their health plan.

To further simplify, the H S A comes in two parts. One is a high deductible health plan for which you would pay a reduced premium. The second is a medical saving account, where you could pay into the account an amount
annually, up to the amount of your deductible. This account is your money. 
If you use the money to pay medical expenses, it is never taxed. If you do
not use the money in this account, it will remain your money and essentially
becomes like an IRA.

The difference is between an I R A and an H S A is
 the H S A funds can be withdrawn at any time to pay medical expenses
without penalty. Also, any excess funds must remain in the H S A account
until age 65 in order to be withdrawn without penalty. Any monies
withdrawn after age 65 will be subject to regular income tax at the time of
As you can see there are many parts to an individual health plan.

At AZSHIS let us help you understand the many options that you have in choosing the right individual health insurance plan.

Life Insurance

Life insurance plays a major part in taking care of our loved ones, retirement planning, and the resolution of our final expenses. We have great relationships with dozens of insurance carriers and we can do much more for you as a local member of your community than those 1-800 services that advertise so frequently.

How life insurance can take care of your family:
Insurance can replace lost income after a death or disability, create a wealth legacy for your children or grandchildren, provide retirement savings, provide a funding mechanism for the costs of your loved ones higher education, cover estate taxes, minimize health insurance costs, protect seniors from the high costs of long term care and much more. Life, disability, or long term care insurance, when combined in response to your specific needs can offer security by preserving the assets you have worked for. The right insurance policy constructed with proper consultation can protect the ones you care for.

How life insurance can take care of your business:
Insurance can help your business survive that thrive after an unexpected event. You’ve worked hard to build your business and nothing can bring your business down faster than an owner, key person or partner passing away or worse, becoming disabled. Life and disability insurance will give your business the necessary funds to hire a replacement or provide an instant financial boost to pay on-going salaries and bills. Perhaps you want to reward your employees or attract good talent? Life, health insurance and employee benefits can fill that need.

Life insurance also offers many living benefits in these tumultuous times that you may not be aware of.
Call us today to schedule an appointment to discuss the many facets of Life Insurance.