Sedona Health Insurance

Convenient Health Insurance Plans

Health insurance is a necessary part of life, but the process of choosing a comprehensive, affordable policy can feel frustrating and complicated. At Phoenix Health & Life Insurance, our licensed Sedona health insurance agents are very knowledgeable and provide reliable education as you consider various health policies.

5-Star Life Insurance Agents

We know that life insurance is not very well understood by many individuals, but it is a crucial aspect of ensuring the financial security of your loved ones after your death. Contact our experienced Sedona life insurance agents to learn more about life insurance options for you.

Professional Advice For Medicare Policies

While Medicare is an excellent health coverage option for many people, it is not comprehensive and requires a supplementary plan to ensure the gaps are covered. If you are curious about enrolling in Medicare or need help finding additional coverage, contact our Sedona Medicare agents at Phoenix Health Insurance.

Visit Our Sedona Health Insurance Agency

Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024
Mesa Health Insurance
4455 E Broadway Rd #104,
Mesa, AZ 85206
PhX Health Insurance logo on Contact Info

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

EMAIL

View Map | Get Directions

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    Sedona Level Funded / Return Of Premium Health Insurance

    • Employer pays monthly amount to cover estimated costs
    • Employer pays premium and plan administration costs
    • You are required to pay the claims
    • Plan is available to companies with a certain number of employees
    • Provides the opportunity to benefit from a favorable claims year
    Sedona Health Insurance With United HealthCare
    Sedona Health Insurance With Humana
    Sedona Health Insurance With Aetna
    Sedona Health Insurance With Cigna
    Sedona Health Insurance With Bluecross Blueshield
    Sedona Health Insurance With Bright Health
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    A HEALTHCARE SHARING MINISTRY THAT CARES FOR ITS MEMBERS AS A FAMILY

    Sedona’s Favorite Insurance Products & Services

    Sedona Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near Sedona

    Medicare Advantage Plans

    Sedona Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Sedona

    Medicare Supplement Plans

    Short-Term Health Insurance Plans Near Sedona

    Short-Term Health Insurance Plans

    Sedona Accident Plans

    Accident Plans

    Life Insurance Plans Near Sedona

    Life Insurance Plans

    Critical Illness Plans Near Sedona

    Critical Illness Plans

    Dental Insurance Plans In Sedona

    Dental Insurance Plans

    Long Term Care In Sedona

    Long Term Care

    Annuities In Sedona

    Annuities

    Whether you are seeking dental or emergency coverage, Medicare supplementation, or accident coverage, our five-star Sedona insurance company is dedicated to helping each client find the best policy for their needs. There is something for everyone at Phoenix Health & Life Insurance, so call today to discuss your options with our team!

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

    Meet The Agents Of Phoenix Health Insurance Near Sedona

    Lynn Marble Insurance Agent

    Lynn Marble

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

    Interview: https://gosolo.subkit.com/lynn-marble/

    Stacie Howard Insurance Agent

    Stacie Howard

    Director
    Individual Family Plans

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Director
    Group Benefits

    Frank Stevens Insurance Agent

    Frank Stevens

    Director
    Financial Services

    Stacy Petro Insurance Agent

    Stacy Petro

    Director
    Customer Service / Operations Director

    Troy Chevalier Insurance Agent

    Troy Chevalier

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

    Angela Gabbard Insurance Agent

    Angela Gabbard

    Group Account Coordinator and better half of Team Gabbard

    Hayden Swann Insurance Agent

    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 Insurance Agent

    Joe Beehler

    Licensed Health and Life Insurance Account Specialist
    Joe is an experienced agent that specializes in Life Insurance, Individual health Insurance, Group Health, Long Term Care, and Dental plans.

    Joshua Bahr Insurance Agent

    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.

    Karyn Ellsworth Insurance Agent

    Karyn Ellsworth

    Karyn is a Licensed Health Insurance Agent who specializes in Medicare Planning, & Individual Family Plans. Karyn loves helping others and brings with her over 15 years of customer service expertise.

    Karyn Ellsworth Insurance Agent

    Lucy Swagerty

    Lucy brings over 25 years of experience in Customer Service, Sales and Marketing. Lucy has spent the last 14 year specializing in Medicare, Life Insurance, and Property and Casualty Insurance

    Karyn Ellsworth Insurance Agent

    Roman Stolcis

    Roman brings over 15 years of experience in Insurance and Financial Services. Specializing in Medicare, Life and Annuity, and Individual Family Plans.

    Our Client Reviews

    “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.

    ★★★★★

    “My visit with Mr Lynn Marble over Health insurance was a great experience. Mr Marble was very knowledgeable about health insurance and helped me with making the right choice for my needs.”

    STAN U.

    ★★★★★

    “Phoenix Health Insurance was referred to me by my business partner. From day one that I contacted them through all the registration process and after, I had a great experience with their knowledge and costumer service.”

    NANCY M.

    ★★★★★

    Services Of Our Health Insurance Agency

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Finding comprehensive, affordable health coverage in the East Valley should not be complicated. If you are facing gaps in coverage and need a supplementary policy, or you want to start fresh with a brand new policy, we are here for you.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    When you need expert help finding a Scottsdale health insurance policy, Phoenix Health & Life Insurance is an excellent resource. We know the details of every policy on the market and can help you make an informed decision.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    Whether you are seeking health coverage for yourself, your family, or your employees in the West Valley, our licensed agents are ready to provide reliable, through education so that you can fully understand the coverage options available to you.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    As an experienced health insurance agency, Phoenix Health & Life Insurance specializes in helping clients discover the coverage options available to them in a no-pressure environment, so they can feel comfortable to take time making their decision.

    Read Our Blog & Learn More About Health Insurance

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    Our Health Insurance Agency’s Office

    Phoenix Health Insurance logo in white

    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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      PHX Health Insurance Contact Our Office Near Sedona

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

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