Freed Insurance Agency Releases Five Tips to Finding Affordable, Quality Arizona Health Insurance
There is such a thing as affordable Arizona health insurance. Here’s how to shop for it.
Phoenix, Ariz. (Vocus/PRWEB ) November 12, 2007 -- It is possible to find fair deals on health insurance in Arizona but the key is knowing where to shop, according to the Freed Insurance Agency, a leading independent broker specializing in Arizona health insurance.
Just like mortgage brokers who search lenders to find the best rates, independent insurance brokers like Freed Insurance Agency find the lowest rates among insurance companies who are competing for your business.
“We look out for the clients’ best interest and work for the client,” says Steve Freed of the Freed Insurance Agency. “We don’t work for insurance companies.”
Here are 5 tips to finding affordable Arizona health insurance from the Freed Insurance Agency:
1. Shop an Independent Broker.
Independent brokers work for the consumer. They represent a variety of Arizona insurance carriers and can provide health care options. Brokers represent leading insurance carriers in the industry.
2. Go with Quality.
The trend in Arizona is to offer jobs that are full-time, but offer no benefits. Some companies will deny benefits to employees who have pre-existing health conditions. So when shopping, get the best coverage you can.
3. Keep Insurance Coverage for Life.
The good part about getting your own health insurance in Arizona is once you have it, it can’t be taken away from you—even if you fall ill.
4. Get Health Insurance Before Developing a Problem.
It’s less expensive when you lock in before you develop a health related issue. Some people who want to start their own small business simply can’t because of the cost of health insurance. So, if you’re thinking about doing that, do so before developing a health problem.
5. Have Reasonable Expectations.
A 40 year old with a family of four with no preexisting health conditions should expect to pay $600-$700 a month on a low deductible PPO plan with a doctor co-pay. However by raising the deductible to $2500 or $5000 it’s possible to cut that monthly premium in half and still maintain a $20 or $30 doctor co-pay, along with a first dollar Rx card.
“The deductible only comes into play when entering a hospital or need outpatient surgery or outpatient testing,” says Freed. “If you want affordable health insurance you may need to assume some of the risk.”
About Freed Insurance Agency: The Freed Insurance Agency is a leading health insurance broker in Arizona. The company works with customers to search for affordable Arizona health insurance. As a broker, the company works for the customer and not the Arizona health insurance companies.
Contact: Carol or Steve Freed
Email: fiainsure @ aol.com
Phone: (480) 671-5434/Valley wide: (800) 422-0500
Web site: www.FreedInsuranceAgency.com
This press release was issued through PRNewsChannel.com. For more information, please visit http://www.PRNewschannel.com
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