Peoria Health Insurance Agents Providing Services Near You

Top Choice Health Insurance Plans For Peoria Residents

At Phoenix Life and Health Insurance, we understand that obtaining insurance can be stressful and confusing. That’s why we work closely with our clients to learn about their goals and needs, then find affordable options that will work for you. Our experienced team of professionals is ready to come alongside you to help you find the best insurance policies to protect you and your family.

Affordable Health Insurance Policies

Our Phoenix health insurance agents have access to a variety of affordable, comprehensive health insurance options and can find a plan that will fit your budget. Our goal is to make sure you have the coverage you need at a price that you can afford.

Comprehensive Life Insurance Plans

Protect your family in case of unexpected events with one of our comprehensive life insurance plans. No matter what amount you need, we can find a life insurance plan that can ensure financial stability for your family and provide for their future, at an affordable price.

Medicare Policies & Supplement Plans

Let our experienced Peoria health insurance agents take the confusion out of Medicare plans. We can help you understand your existing coverage and find an affordable supplement plan if you need additional coverage to pay for all of your healthcare needs. Give us a call today to get started.

Peoria’s Leading Individual & Family Health Insurance Agency

More Coverage And Lower Rates For Peoria Residents

More Coverage & Lower Rates

Our experienced professionals work with major insurance carriers recognized across the country to help you get more coverage and lower rates that fit your needs. Don’t spend excessive amounts each month on a policy that doesn’t fit your lifestyle; we are ready to help!

Personalized Insurance Plans And Services Near Peoria

Personalized Plans & Service

Our agents will take the time to build a relationship with you so that our Peoria health insurance agency can understand your family’s needs and help you find the healthcare plans that will serve you best. Our business model runs on a deep belief in personalized plans and service for each of our clients.

Complete 100% Online

If you prefer, the entire process of applying and finalizing your health or life insurance coverage can be done completely online. We are excited to provide our outstanding services at your convenience with an online process that can be completed any time of the day or night.

No Paperwork Required

We don’t force our clients to handle loads of paperwork and documentation in order to apply for insurance at our top rated Peoria health insurance agency. Our agents are ready to talk with you and will handle all of the details with accuracy and professionalism.

Our Clients’ Reviews

5-Star Rated Health Insurance Agency Near Peoria

Lynn Marble took the time to sit down and explain every detail of our insurance plan. Saved our family a ton of money and bettered our coverage. I would not hesitate to recommend Lynn to everyone I know.

Sean Bell ★★★★★

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Why Buy Health Insurance For Your Family In Peoria

Why Buy Health Insurance For You & Your Family?

Financial Protection For Unexpected Medical Expenses
Access To Quality Healthcare Services
Prevent & Detect Health Issues Early
Offers Reassurance For Unexpected Health Problems
Required By Law In Many Countries
Cover Mental Health Services Including Therapy & Counseling

Level Funded & Return Of Premium Insurance For Peoria Employers

Save money, increase coverage, and improve convenience when you choose a level funded insurance plan for your business. Our Peoria health insurance agency works with local employers to provide comprehensive, affordable health insurance plans for employees. Ask one of our agents about the advantages of a level funded or return of premium policy and how it can benefit your business and your employees!

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What Is Level Funded/Return Of Premium Health Insurance For Businesses

We Work With A Wide Variety Of Health Insurance Carriers

Our agency may have a small town, friendly feel, but we work with multiple nationwide health insurance carriers to ensure that our clients have access to the best health and life insurance plans on the market. Whether you’re looking for comprehensive health insurance to ensure your family has access to the care you need or wanting to protect your future with a life insurance policy, we can help you find competitive coverage from major health insurance carriers.

A HEALTHCARE SHARING MINISTRY THAT CARES FOR ITS MEMBERS AS A FAMILY

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Health Insurance Plans For Individuals & Families

Buy Insurance Policies For Your Company’s Employees

Health Insurance Plans for Individuals And Families Living In Peoria

In today’s job market, it can be a challenge for employers to attract and retain good employees. With a comprehensive insurance plan for your employees, you can boost your competitive edge and encourage qualified applicants to work for your company. We offer multiple health insurance options at our Peoria health insurance agency, which means you’ll be sure to find a plan that fits the needs of your employees while meeting your budget requirements. We work with nationwide insurance carriers to give you health insurance plans that will be accepted at local hospitals and clinics. Call Phoenix Health and Life Insurance today to learn more about our insurance options for your employees.

Call Now & Get Started Today

480-680-8195

Professional Health Insurance Agency Serving Peoria

Types Of Health Insurance Policies We Specialize In

Short-Term Health Insurance Plans

Cover temporary gaps or needs with our short term health insurance plans that are affordable and provide the coverage you need.

Group Health Insurance Plans

Enhance your benefits package with a group health insurance plan for your employees and their families.

Medicare Advantage & Supplement

Ensure that you’ll have access to the healthcare you need with a Medicare plan or supplemental coverage.

Individual & Family Insurance Plans

Our top rated Peoria health insurance agents can find a plan that will provide the coverage you need.

Car Accident Health Insurance Plans

Fill gaps in auto insurance policies and protect your future with a healthcare plan designed for car accidents.

Long-Term Annuity Contracts

Invest in your future when our Peoria health insurance agency guides you through establishing a long term annuity.

Dental Insurance Plans

We can help you find the dental coverage you need to give your family a healthy smile at an affordable cost. Reach to one of our friendly agents today!

Life Insurance Policies

Ensure the financial stability of your family with one of our comprehensive life insurance policies with a variety of plans and values.

Long-Term Care Insurance Policies

When a loved one needs long term care, reach out to our agents to learn more about what insurance options are available.

Critical Illness Insurance Plans

Get coverage for treatments and healthcare services when you or a loved one is facing a critical illness. Call us now!

Frequently Asked Questions About Life Insurance

Why Should I Buy A Health Insurance Policy?

The cost of healthcare continues to rise, and medical bills are the leading cause of bankruptcy. Families who choose to risk living without a health insurance policy could face crushing medical bills when they least expect it. When you purchase a health insurance policy, you are protecting yourself financially in the event of an unexpected illness or accident. Don’t face the future without the security of coverage for all of your healthcare needs, including surgery, imaging, medication, medical supplies, ambulance or helicopter transportation, and more.

Can You Help Me Get Insurance If My Employer Doesn't Offer It?

We work with clients facing all kinds of situations. When your employer doesn’t offer a health insurance policy, our Peoria health insurance agency would be happy to help you find a comprehensive health insurance policy that will provide the coverage you need for any healthcare conditions or incidents you may be facing, at an affordable price that will fit in your budget. Give us a call today to get started.

Will I Get Tax Benefits If I Buy A Health Insurance Policy?

In many cases, yes, you may be eligible to deduct the cost of your medical expenses and supplemental health insurance premiums if you meet specific requirements outlined by the IRS. Our trusted Peoria health insurance agents can provide details based on your situation. We may also recommend consulting with a tax professional for personalized information based on your individual circumstances.

Can I Buy Health Insurance If I've Been Recently Diagnosed With An Illness?

Pre-existing conditions must be covered by healthcare insurance policies. If you’re facing a new diagnosis for an illness and looking for better coverage, get in touch with our trusted Peoria health insurance agency to talk with one of our agents, who can help you discover your options. We specialize in helping individuals and families find the right health insurance policy to meet their needs and looking forward to serving you.

Are There Any Waiting Periods Before My Insurance Policy Starts Covering Me?

This will depend on the type of policy that you choose. In most cases, your new healthcare insurance policy will begin as soon as your first premium is received. Life insurance policies may outline specific requirements or time frames before you can take advantage of specific benefits. We know that insurance policies can be confusing or overwhelming, but our friendly insurance agents at our Peoria health insurance agency are ready to explain all of the details so you fully understand your new insurance policy.

New IRS rules for employers regarding health insurance

Healthcare regulations change frequently, but our trusted Peoria health insurance agents stay up to date on all new IRS rules and are ready to help you understand how new regulations may apply to your business or family. Employers are now required to demonstrate that an affordable healthcare plan is available to at least 95% of full time employees. If your business is looking for a group health plan option that meets IRS rules, contact Phoenix Health and Life Insurance today to discuss your options.

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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Visit Our Health Insurance Agency Near You

Visit Our Health Insurance Agency’s Office

4738 W Rancho Dr. Glendale, AZ 85301

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480-680-8195

Neighborhoods Served By Our Health Insurance Company In Peoria, AZ

Find Health Insurance In Dove Valley Ranch

Need Help Signing Up For Health Insurance In Dove Valley Ranch? Our Agents Are Here For You

Our top rated health insurance agency in Peoria is ready to help you explore your policy options and take the mystery out of signing up so that you can quickly and easily find the right plan!

Affordable Health Insurance Plans Near Vistancia, Peoria

Looking For An Affordable Health Insurance Plan In Vistancia? Contact Our Agency Today!

At Phoenix Health and Life Insurance, we specialize in helping individuals, employers, and families find comprehensive health insurance plans that they can afford. Let our agency help you find the affordable healthcare plan you need.

Health Insurance Plans For Your Company And Employees Near Fletcher Heights

Searching For A Health Insurance Plan For Your Company Near Fletcher Heights? Give Us A Call!

We provide many affordable group health insurance options for local businesses in the Peoria area. Call one of our friendly agents today to learn more about what options are available for your company and employees.

Find More Information About Medicare Plans Near Treasure Canyon Estates

Need Counseling To Access A Medicare Plan In Treasure Canyon Estates? Get In Touch With Our Agents!

Medicare plans can be confusing, but our expert agents can explain details in simple terms so you understand exactly how your plan works. Let us guide you through the process!

Quality Healthcare Services And Treatments In Varney, Peoria

Looking For Access To Quality Healthcare Services & Treatments In Varney! Call Our Insurance Agency

If you’re ready to find a comprehensive health insurance plan that provides coverage for qualified doctors and facilities near you, reach out to us today.

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4738 W Rancho Dr,
Glendale, AZ 85301

(480) 680-8195

info@phxhealthinsurance.com

Peoria Health Insurance

Top-Rated Health Insurance Agents Serving Peoria

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