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Top-Rated Health Insurance Agents Serving Ahwatukee Residents

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    Most Reliable Ahwatukee Health Insurance Plans

    No matter what type of insurance coverage you are seeking, our five-star Ahwatukee insurance company is dedicated to helping clients find the best policy for their needs. From dental and emergency coverage to Medicare and accident coverage, there is something for everyone at Phoenix Health & Life Insurance.

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

    Ahwatukee's Most Trusted Health Insurance Plans

    Trusted Health Insurance Near Ahwatukee

    Though health insurance is a necessary part of life, finding the right coverage can be confusing and complicated. At Phoenix Health & Life Insurance, our licensed Ahwatukee health insurance agents offer expert guidance and reliable education as you consider various policies to find the best one for your needs and wallet.

    Qualified Life And Health Insurance Policies Agents In Ahwatukee

    Qualified Life Insurance Agents Near Ahwatukee

    We know that life insurance is not typically at the top of the priority list, but it is a crucial aspect of ensuring the financial security of your loved ones and family members after your death. Contact our knowledgeable Ahwatukee life insurance agents at Phoenix Health & Life Insurance to learn more!

    Affordable Medicare Policies And Supplement Plans For Ahwatukee Residents

    Affordable Medicare Policies Near Ahwatukee

    While Medicare is an excellent healthcare solution for many people nationwide, it is not comprehensive and requires a secondary health insurance plan to cover the gaps. If you need expert help finding supplemental coverage, or you are interested in enrolling in Medicare, contact our Ahwatukee Medicare agents at Phoenix Health & Life Insurance.

    Best-Rated Individual & Family Health Insurance Agency Near You


    More Coverage And Lower Rates For Ahwatukee Residents

    More Coverage & Lower Rates


    We are committed to delivering comprehensive coverage options at competitive rates making us a top-rated Ahwatukee individual and family health insurance agency. We take pride in offering the best insurance solutions that ensure your family’s well-being without breaking the bank.

    Personalized Insurance Plans And Services Near Ahwatukee, AZ

    Personalized Plans & Service


    Our insurance agency is dedicated to delivering personalized insurance plans and exceptional customer service tailored to your unique needs. We take the time to understand your specific requirements, ensuring that you receive the best insurance solutions that provide peace of mind and financial security.

    Apply For Your Insurance 100% Online

    Complete 100% Online


    You can conveniently and securely complete your insurance paperwork entirely online, eliminating the need for paper forms and in-person visits. Our digital application process streamlines the experience, making it efficient and accessible from the comfort of your own home.

    Health Insurance Plan With No Paperwork Required

    No Paperwork Required


    At our insurance agency, we’ve eliminated the need for paperwork, offering a streamlined and paperless process. Our commitment to a digital approach ensures a hassle-free experience and a quicker response, saving you time and simplifying your insurance needs.

    Our Client Reviews

    5-Star Rated Health Insurance Near Ahwatukee

    Stacie Howard was great to work with. She knew what I needed as was very knowledgeable of my options and my needs. Stacie has been my agent for a few years now and I would highly recommend her insurance services to anyone!!!

    John S. ★★★★★

    Why Buy Health Insurance For Your Family In Ahwatukee

    Benefits Of Buying Health Insurance For You & Your Family


    • Financial Protection

      Accessible Insurance Options To Assist With Unexpected Healthcare Costs

    • Quality Healthcare

      Provide Quality Healthcare Coverage

    • Detect Health Issues

      Early Detection & Management Of Diseases

    • Financial Security In Case Of Health Problems

      Financial Security In Case Of Health Problems

    • Having Insurance Is Required By Law

      Legally Required In A Large Number Of Jurisdictions

    • Mental Health Coverage

      Mental Health Coverage That Includes Therapy, Counseling, & Medication

    Ahwatukee Level Funded/ Return Of Premium Health Insurance

    • Employer Pays Premium Health Insurance

      Employer Pays Monthly Amount to Cover Estimated Costs

    • Quality Healthcare Coverage

      Provide Quality Healthcare Coverage

    • Employer Pays Premium and Plan Administration Costs

      Employer Pays Premium and Plan Administration Costs

    • You Pay The Claims

      You Are Required to Pay the Claims

    • Plan Is Available to Companies With a Minimum of Employees

      Plan Is Available to Companies With a Certain Number of Employees

    • Benefit From a Favorable Claims Year

      Provides the Opportunity to Benefit From a Favorable Claims Year

    We Offer Coverage From A Variety Of Health Insurance Providers

    We take pride in offering a diverse range of health insurance options by partnering with multiple reputable providers. This variety allows us to present you with a selection of plans that cater to different budgets, coverage needs, and preferences. Our access to multiple providers also means we can help you find the most suitable policy by comparing various offerings, ensuring you receive a comprehensive and cost-effective solution tailored to your unique circumstances. Our goal is to provide you with a wealth of choices and expert guidance to make an informed decision regarding your health insurance coverage.

    United Healthcare
    aetna
    Cigna
    BlueCross BlueShield of Arizona
    Humana
    netWell

    A Healthcare Sharing Ministry That Cares For Its Members As A Family

    Health Insurance Plans For Families & Businesses In Ahwatukee

    Protect Your Employees’ Health With Insurance
    Health Insurance Plans For Ahwatukee Families And Business Owners

    We specialize in offering health insurance plans that cater to both families and businesses located in Ahwatukee, ensuring comprehensive coverage and peace of mind. For businesses, providing health insurance for your employees is not only a valuable benefit but also crucial for retaining and attracting top talent. We can help you navigate the intricacies of group health insurance, offering custom solutions that protect your employees’ health and financial well-being. With our expertise, you can prioritize the health and security of your workforce while meeting your family or business insurance needs in Ahwatukee.

    Contact Us & Let’s Get Started Today

    Ahwatukee’s Preferred Insurance Products & Services

    We Specialize In The Following

    Individual & Family Insurance Plans

    Our dedicated team of insurance agents is committed to assisting you in finding the ideal individual and family insurance plan that suits your unique requirements.

    Medicare Advantage Plans

    Allow us to assist you in navigating the complex landscape of Medicare Advantage plans. Our knowledgeable team is here to provide guidance and answer your questions.

    Group Health Insurance Plans

    We are dedicated to understanding your specific requirements and helping you choose a group insurance plan that offers comprehensive coverage and benefits for your employees.

    Short-Term Health Insurance Plans

    Our expertise ensures that you make an informed choice, providing you with the right short-term health insurance plan for your health and financial security.

    Ahwatukee Accident Plans

    Our team possesses extensive expertise in Ahwatukee Accident Plans, and we are dedicated to helping you navigate the intricacies of these specific insurance options.

    Life Insurance Plans

    Experience the assurance of finding the right life insurance plan with our expert guidance at Phoenix Health and Life Insurance.

    Critical Illness Plans

    If you’re seeking a critical illness plan, our expertise ensures that you can find a suitable policy to safeguard your financial well-being in the face of serious health conditions.

    Dental Insurance Plans

    When you require dental insurance, Phoenix Health and Life Insurance is here to assist you in finding the right coverage with our dedicated team of insurance agents.

    Long Term Care

    We specialize in helping you plan for and find long-term care coverage that ensures your well-being and financial security during extended periods of care.

    Annuities

    Along with health insurance, let us help you in navigating the world of annuities. Our expertise ensures that you make informed decisions, helping you secure financial stability and peace of mind for your future.

    Medicare Supplement Plans

    Our health and life insurance agency is dedicated to assisting you with Medicare supplement plans, providing expert guidance and tailored solutions to meet your specific healthcare needs.

    Frequently Asked Questions About Life Insurance

    You should consider buying a health insurance policy for several important reasons. Firstly, health insurance provides financial protection in case of unexpected medical expenses, ensuring you don’t face substantial out-of-pocket costs for necessary healthcare. It also grants you access to a network of healthcare providers, giving you a broader range of choices for medical services. Moreover, health insurance promotes preventive care and regular check-ups, helping you catch and address health issues early, potentially saving you from more significant medical problems down the line.
    Yes, our Ahwatukee insurance agents can help you obtain insurance if your employer doesn’t offer it. Our agents are experienced professionals who can guide you through the process of finding the right insurance coverage; whether it’s health, life, dental, or other types of insurance, they can assess your needs, recommend suitable policies, and provide you with options from various insurance providers. They can also assist in understanding policy terms, coverage limits, and premiums to help you make an informed decision. Contact Phoenix Health and Life Insurance to hire an agent to help you!
    If you get your insurance “on exchange”, you may be eligible for tax benefits through the Affordable Care Act. These benefits include the Premium Tax Credit, which helps lower-income individuals and families afford health insurance by reducing their premium costs. Additionally, contributions to Health Savings Accounts (HSAs) are generally tax-deductible, regardless of whether you purchase insurance through an exchange or off-exchange. You may also be able to itemize deductions for qualified medical expenses if they exceed a certain threshold of your income.
    Yes, you can obtain health insurance even if you have a pre-existing condition. In the United States, the Affordable Care Act prohibits insurance companies from denying coverage or charging higher premiums based on pre-existing conditions. Ensure you get the right plan for your situation by working with our skilled health insurance agents who will help you connect with health insurance regardless of your medical history. Contact us today to start the journey towards better healthcare coverage!
    Yes, there can be waiting periods before your insurance policy takes effect. Typically, after enrolling in your policy, coverage begins on the 1st of the month following enrollment. This means that if you enroll at any point in a given month, you may need to wait until the start of the next month for your coverage to become active. Our insurance agents at Phoenix Health and Life Insurance will walk you through how this works and ensure you have the coverage you need when you need it.
    Phoenix Health And Life Insurance
    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)?

    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 of 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.
    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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      Suite 101, Phoenix, AZ 85024

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    Meet The Agents Of Phoenix Health Insurance Near Ahwatukee

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    Stacie Howard Insurance Agent
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    Roman Stolcis
    Roman Stolcis
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      20823 N Cave Creek Rd Building B Suite 101,
      Phoenix, AZ 85024