Gilbert Health Insurance2020-11-05T15:36:17-07:00

Gilbert Health Insurance

Health
Insurance

The complexities of health insurance can be extremely overwhelming and confusing. From the many options available, to premiums, to gaps in coverage, and more, there is certainly plenty to consider. That is why the agents at Phoenix Health Insurance are ready to help you find a policy that works best for you.

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Life
Insurance

While life insurance is typically not at the forefront of people’s minds, it is an important step to take to insure against risk, especially as families grow. The agents at Phoenix Health Insurance can break down the details of life insurance so you can choose the best policy for you.

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Medicare Policies

Medicare offers some insurance coverage to many people across the state, but unfortunately, is not a holistic program. While there are many insurance programs designed to work with Medicare and cover the gaps, the complexities can quickly become confusing. Contact an agent at Phoenix Health Insurance 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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    LEVEL FUNDED / RETURN OF PREMIUM HEALTH INSURANCE

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    United Health Care
    Humana
    Aetna
    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

    Learn More

    Gilbert 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.

    Karyn Ellsworth

    Karyn Ellsworth

    Karyn is a licensed Arizona Health and Life agent that brings her award winning smile and customer service to her clients every time.

    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

    Obtaining appropriate health insurance in Scottsdale can be a confusing and difficult process. With the knowledgeable, friendly agents at Phoenix Health Insurance, you will be able to find a policy that works best for the needs of you and your family, to ensure you have proper coverage for your lifestyle.

    Tempe Health Insurance

    Attempting to find appropriate healthcare coverage in Tempe on your own is challenging and downright stressful. When you work with the experienced agents at Phoenix Healthcare, the process will be much smoother, and we will make sure you find the best policy to fit your needs and cover you for life.

    East Valley Health Insurance service areas

    East Valley Health Insurance

    Shopping around for comprehensive health insurance in East Valley causes much stress and frustration, especially when trying to find something that is both affordable and functional. Phoenix Healthcare has your best interest in mind and offers a variety of insurance policies for all of the areas in the East Valley.

    West Valley Health Insurance

    When looking for the best insurance policy for your family at an affordable rate, Phoenix Health Insurance can help. Our knowledgeable agents have valuable experience with all types of insurance policies, and can provide appropriate coverage all over the West Valley area. Contact us today to learn more!

    Our Health Insurance Blog

    Office Tour

    Phoenix Health and Life Insurance Entrance
    Phoenix Health and Life Insurance Office outdoor
    Phoenix Health and Life Insurance Office

    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

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      (623) 516-8300
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