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Phoenix Health Insurance

Health
Insurance

Obtaining health insurance can be very confusing and stressful. From Obamacare requirements to gaps in coverage, there is a lot for patients to be concerned about. Fortunately, the health insurance agents at Phoenix Health Insurance can assist in finding a policy which works for you and your family.

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Life
Insurance

Life Insurance is not always the first thing many people think of when they insure against risk. But, as families grow and the number of people depending upon us increases, having a life insurance policy in place is vital. Whole Life, Term and other options can be explained by your life insurance agent.

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Medicare Policies

Medicare is an imperfect programs, providing some insurance and coverage. Fortunately, there are health insurance plans designed to work with Medicare, covering the gaps and the areas where the Medicare program falls short. Call your broker to discuss options.

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Locations

Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024
623-516-8300
Mesa Health Insurance
4455 E Broadway Rd #104,
Mesa, AZ 85206
480-300-5420
Phoenix Health Insurance Contact Info

20823 N CAVE CREEK RD,
BUILDING B SUITE 101
PHOENIX, AZ 85024

EMAIL

View Map | Get Directions

(623) 516-8300
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LEVEL FUNDED / RETURN OF PREMIUM HEALTH INSURANCE

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United Health Care
Humana
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Cigna
BlueCross BlueShield
Bright Health

Why Altrua Health Sharing Ministry?

  • Unlimited Telamedicine
  • Part Of One OF The Largest Health Care Networks In The Nation
  • Large PPO Multiplan Nationwide Network

  • Low Monthly Contribution Amounts from $105 for Single to $520 for a Family
  • Stable Rates due to Healthy participants

  • Up to $2,000,000.00 of Lifetime limit per member

  • $35 Doctor, Urgent Care, And Specialist Visits

  • Maternity Sharing available

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Insurance Products & Services

We specialize in the following

Scottsdale Individual and Family Health Insurance Plans

Individual and Family Insurance Plans

Scottsdale Group Health Insurance Plans

Group Health Insurance Plans

Scottsdale AZ Medical Supplement Plans

Medical Supplement
Plans

Medicare Advantage Plans Scottsdale AZ

Medicare Advantage Plans

Short Term Healthcare Plans Scottsdale AZ

Short-Term Health Insurance Plans

Dental Insurance Plans Scottsdale AZ

Dental Insurance Plans

Car Accident Insurance Plans Scottsdale

Accident Plans

Critical Injury Health Insurance Coverage Scottsdale AZ

Critical Illness Plans

Life Insurance Plans Scottsdale Arizona

Life Insurance Plans

Long Term Health Insurance Options In Scottsdale AZ

Long Term Care

Annuities Scottsdale Insurance Brokers

Annuities

We offer a free evaluation for all products and services. If for some reason the coverage you have is better than what we can provide we will be the first to let you know.

“When you do what’s right you can’t go wrong!”

Meet The Agents of Phoenix Life Insurance

Agent Lynn Marble

Lynn Marble

Master General Agent and specializes in Medicare, Individual Family Plans.

Agent Stacy Petro

Stacy Petro

Health insurance agent, Medicare agent, office manager and customer support specialist.

Agent Chris Gabbard

Chris Gabbard

Licensed agent specializing in Commercial Group Health, Individual Health, Medicare Plans.

Agent Stacie Howard

Stacie Howard

Stacie specializes in Group Health, Individual Health, Life Insurance and Medicare.

Frank Stevens

Frank is licensed and specializes in Life Insurance, Health Insurance and Annuities.

Agent Troy Chevalier

Troy Chevalier

Troy specializes in Group Health, Individual Health, Life Insurance and Medicare.

Steve Arey

Steve Arey

Steve’s knowledge of Life Insurance, Annuities, Health Insurance, Employee Enhanced Benefits for Individuals and Groups including Medicare for Seniors.

Jennifer Clawson

Jennifer Clawson

She is a licensed Health and Life agent who strives to provide exceptional customer service and information to every client and employee she interacts with.

Angela Gabbard

Group Account Coordinator and better half of Team Gabbard

Hayden Swann

Hayden Swann

Licensed agent specializing in Individual and Family Health Plans

Whatever your personal healthcare situation may be, Hayden will be able to help.

Our Client Reviews

“Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”

STEVIE KING

★★★★★

“When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”

BRUCE D KLIPP

★★★★★
Leave Us A Review

“Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”

SCOTT RICHARDS

★★★★★

Our Service Areas

Scottsdale Health Insurance Service Area

Scottsdale Health Insurance

To obtain the proper health insurance in Scottsdale, you might think there are a lot of holes to jump through. Making sure that you have the proper health coverage and making sure that everything is taken care of is essential to successfully finding the right coverage. The agents at Phoenix Health Insurance can help find the right plan for you.

Tempe Health Insurance

Getting the right coverage in Tempe can really be a burden if you don’t have the proper help and assistance. Make sure that you have all the help you need and come to Phoenix Health Insurance. Our agents are expertly trained to help you find the right policy that fits your needs and is affordable and doable for your future. Phoenix Health Insurance can help you!

East Valley Health Insurance service areas

East Valley Health Insurance

Shopping around for health insurance can be tricky and exhausting. Making sure you get the right policy and being able to afford it is probably at the top of your requirements. Luckily, Phoenix Health Insurance has plenty of coverage for East Valley areas like Mesa, Gilbert, and Chandler. Get the coverage and policy you need with Phoenix Health Insurance.

West Valley Health Insurance

If you are looking for the right health insurance policy, Phoenix Health Insurance can help you find the one with the right coverage and at an affordable price. With coverage spanning the West Valley such as Goodyear, Buckeye, Glendale, Peoria, Avondale, and Surprise, the agents at Phoenix Health Insurance will find you the exact policy you need.

Our Health Insurance Blog

Office Tour

Phoenix

New IRS Rules For Employers Regarding Health Insurance

Within the past year, the IRS posed a question to themselves to consider imposing more specific rules and guidelines to employers. These rules were in regard to the effect of employers’ decisions to contribute to employees choosing alternate healthcare coverage.

What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the marketplace or outside the marketplace)?

Employer Payment Plans

In order to be set apart from health reimbursement accounts (HRA’s) and healthcare flexible spending accounts (FSA’s), the IRA designated the new arrangement of specific guidelines to be known as “employer payment plans”.

Because employer payment plans are considered to be group health plans, as such they are subject to the provisions and rules of the Affordable Care Act (ACA). This includes the prohibition of an annual limit for essential health benefits, along with the requirement for full coverage on preventive health services. Unfortunately, these provisions also mean that employees cannot purchase separate coverage for these particular benefits, because according to the IRS, employer payment plans “cannot be integrated with individual policies to satisfy the market reforms”.

The IRS has mandated that because employer payment plans do not satisfy the market reforms, employers would be required to pay an excise tax of up to $100 per day per employee. That totals up to $36,500 per year for just one single employee, let alone 50 or 100 or more employees.

While the IRS and Department of Labor have decided that HRAs and healthcare FSAs are acceptable plans for helping employees pay for certain benefits including vision, dental, accidents, long-term care, and automobile medical payment coverage, it has been determined that employer payment plans cannot be integrated with either one.

Wraparound Coverage

Fortunately, there is an alternate form of health coverage available that is not actually subject to ACA requirements. Called “wraparound coverage”, it was established in 2015 and determines that employers can help employees buy basic health insurance without being penalized. This insurance must be supplementary to a standard health plan that does meet ACA requirements, and coverage cannot cost more than 15% of the standard health plan cost offered to the rest of the employees.

For employers still pursuing other healthcare options, the penalties for an employer payment plan can be avoided by giving employees a pay raise that will sufficiently cover their health benefits.

However, if this is the route you choose as an employer, remember that pay raises equal increased payroll taxes. Ultimately, because all income is taxed, the amount your employees will have left available to cover the cost of health premiums will be less than intended. Additionally, employees may soon forget why they actually received the raise, and can quickly become resentful that a standard health plan is not offered to them as valued employees.

Lastly, it is important to note that even if you provide a salary raise to your employees to avoid employer payment plan penalties, you will still be subject to the penalty required for not providing a health coverage plan to your employees.

Sincerely,
Your Team at Phoenix Health Insurance

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20823 N CAVE CREEK RD,
BUILDING B SUITE 101
PHOENIX, AZ 85024

EMAIL

View Map | Get Directions

(623) 516-8300