Avondale Health Insurance2021-02-26T14:05:30-07:00

Avondale Health Insurance

Trusted Health Insurance In Avondale, AZ

Trying to navigate health insurance can make many people’s heads spin. There are so many options to choose from and deciding which premiums to pay may freeze one’s brain. Don’t panic, though. If you live in the area, you can find trusted health insurance in Avondale, AZ at Phoenix. Contact us today!

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Qualified Life Insurance Agents In Avondale

People tend to think of life insurance as something you get when you’re older. Things can happen at any time, though and it’s always best to prepare. You don’t have to look far to find qualified life insurance agents in Avondale. We will walk you through the best choices for you and your family.

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Medicaid/Medicare Policies

It can seem like a hard task to figure out exactly how Medicare/Medicaid policies can be used. Some insurance companies work with them and others don’t. We have agents that can help you learn how to navigate these plans and have them work for you. Give us a call today to learn more!

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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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    AVONDALE LEVEL FUNDED / RETURN OF PREMIUM HEALTH INSURANCE

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    United Health Care
    Humana
    aetna
    Cigna
    BlueCross Blueshield of Arizona
    Bright Health
    Healthshare Altrua Avondale

    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

    Learn More

    Avondale’s Preferred Insurance Products & Services

    We specialize in the following

    Medicare Advantage Plans Avondale AZ

    Medicare Advantage Plans

    Avondale AZ Medical Supplement Plans

    Medical Supplement
    Plans

    Avondale Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Avondale Group Health Insurance Plans

    Group Health Insurance Plans

    Critical Injury Health Insurance Coverage Avondale AZ

    Critical Illness Plans

    Car Accident Insurance Plans Avondale

    Accident Plans

    Dental Insurance Plans Scottsdale AZ

    Dental Insurance Plans

    Short Term Healthcare Plans Avondale AZ

    Short-Term Health Insurance Plans

    Long Term Health Insurance Options In Avondale AZ

    Long Term Care

    Annuities Avondale Insurance Brokers

    Annuities

    Life Insurance Plans Avondale Arizona

    Life Insurance Plans

    Proud Sponsors Of:

    Save The Family logo

    While we offer free evaluations of all our products and services, it’s our goal to help all Avondale residents. We will let you know if your existing policy is best.

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

    Meet The Agents of Phoenix Life Insurance

    Lynn Marble

    Lynn Marble

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

    Stacy Petro

    Stacy Petro

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

    Chris Gabbard

    Chris Gabbard

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

    Stacie Howard

    Stacie Howard

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

    Frank Stevens

    Frank Stevens

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

    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.

    Angela Gabbard

    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.

    Joshua Bahr

    Joshua Bahr

    Licensed Health & Life Insurance Agent.
    Joshua, brings his experience as an educator and local high school football coach to his clients to share life and health insurance strategies for families and small business owners.

    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

    Tempe Health Insurance

    Tempe Health Insurance

    It can feel frustrating trying to get health insurance in Tempe that works for you. Don’t fret. Contact a friendly agent at Phoenix Health Insurance. We will find the policy that will suit you and your family. After that, you can go back to enjoying your life.

    Scottsdale Health Insurance

    Scottsdale Health Insurance

    Trying to find health insurance in Scottsdale can be very frustrating. Our friendly agents at Phoenix Health Insurance can make it decidedly less so. They will work with you to find a policy that both you and your family will love. Be sure to contact us today!

    East Valley Health Insurance

    East Valley Health Insurance

    Does the mere thought of trying to find health insurance in East Valley make your stomach hurt? Phoenix wants to make that pain go away. Our friendly agents will be reassuring as they find the best policy that will make you and your family feel happy and safe.

    West Valley Health Insurance

    West Valley Health Insurance

    Do you live in West Valley? Are you in need of health insurance that will help your family and not hurt your wallet at the same time? Our agents at Phoenix are amazing at being able to locate the policy that will cover all of your needs.

    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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      Phoenix Health Insurance logo

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

      EMAIL

      View Map | Get Directions

      (623) 516-8300
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