Waddell Health Insurance

Trusted Health Insurance Near Waddell

Health insurance is an important component of being prepared for anything life may throw at you, but navigating the intricacies and fine print to get the finest coverage might be daunting. Let our insurance experts near Waddell, Arizona, guide you through the maze of options!

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Qualified Life Insurance Agents Near Waddell

Although life insurance is typically not at the top of a person’s concerns, it is an important element in safeguarding their loved ones and family members after they are gone. To discover more about the policies and coverage accessible to you, contact our life insurance representatives near Waddell.

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Best Rated Medicare Policies Near Waddell

Medicare is a fantastic opportunity for many individuals across the country to gain medical insurance. However, it isn’t perfect, and in many cases, you’ll need to buy a supplementary Waddell health coverage plan to cover the gaps. Our agents at Phoenix Health & Life Insurance are ready to assist you in selecting the best coverage for your requirements!

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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
PhX Health Insurance logo on 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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    Waddell Health Insurance With United Health Care
    Waddell Health Insurance With Humana
    Waddell Health Insurance With aetna
    Waddell Health Insurance With Cigna
    Waddell Health Insurance With Bluecross Blueshield
    Waddell Health Insurance With Bright Health
    HealthShare Altrua logo

    Why Altrua Health Sharing Ministry?

    • Unlimited Telemedicine

    • No Obamacare Tax Penalties

    • 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 Doctors office visits 6 per year per person

    • Maternity coverage available

    Find A Provider

    Waddell’s Preferred Insurance Products & Services

    We specialize in the following

    Waddell Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Medicare Advantage Plans Near Waddell

    Medicare Advantage Plans

    Waddell Group Health Insurance Plans

    Group Health Insurance Plans

    Waddell Medical Supplement Plans

    Medical Supplement
    Plans

    Short Term Healthcare Plans Near Waddell

    Short-Term Health Insurance Plans

    Car Accident Insurance Plans Near Waddell

    Accident Plans

    Waddell Life Insurance Plans

    Life Insurance Plans

    Critical Injury Health Insurance Coverage Near Waddell

    Critical Illness Plans

    Dental Insurance Plans Near Waddell

    Dental Insurance Plans

    Long Term Health Insurance Care In Waddell

    Long Term Care

    Waddell Annuities Insurance Brokers

    Annuities

    Phoenix Health & Life Insurance is a well-known insurance provider near Waddell. Our agents are experienced and knowledgeable about a wide range of insurance plans, whether you want Medicare, life insurance, employee or accident coverage, or another plan, our agents will guide you and let you know which coverage is best for you.

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

    Meet The Agents Of Phoenix Health Insurance Near Waddell

    Lynn Marble Insurance Agent

    Lynn Marble

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

    Stacy Petro Insurance Agent

    Stacy Petro

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

    Chris Gabbard Insurance Agent

    Chris Gabbard

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

    Stacie Howard Insurance Agent

    Stacie Howard

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

    Frank Stevens Insurance Agent

    Frank Stevens

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

    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.

    Joshua Bahr Insurance Agent

    Sue Lee

    Sue Lee is a licensed health and life agent since 2016 who brings a wealth of experience as a former director of Human Resources. Sue’s private sector experience allows her to help our clients with Group Benefits, and Individual and Family plans.

    Joshua Bahr Insurance Agent

    Steve Brauer

    Steve brings his wealth of life experience as a retired police Sergeant from his first career and his vast Insurance experience to the Phoenix Health Insurance family. After retiring from the police department Steve began his insurance career in 2003 and is a seasoned benefits broker and agency owner. As a previous agency owner in the California Bay area market, Steve ran his family owned agency specializing in Employer Group Benefits, Individual Family plans and Medicare Supplements.

    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.

    ★★★★★
    Leave Us A Review

    “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.

    ★★★★★

    Our Service Areas

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    It doesn’t have to be difficult to get comprehensive health coverage in the East Valley! Phoenix Health & Life Insurance will assess your medical demands and goals, and assist you in selecting the best policy for your budget and needs.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    Phoenix Health & Life Insurance has years of expertise assisting clients in finding the best coverage as a top supplier of insurance plans in Scottsdale, Arizona. We assist you in obtaining the ideal policy through straightforward information and comprehensive education.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    Phoenix Health & Life Insurance is a great resource for finding broad, cost-effective coverage for your family, staff, or company in the West Valley. We’ll go through the options and match you with the best fit.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    Finding the right coverage can be difficult, especially when you have a variety of insurance options in Tempe. Whether you have gaps in your current policy or need to start from scratch, we’re here to assist!

    Our Health Insurance Blog

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    Office Tour

    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 Waddell

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

      EMAIL

      View Map | Get Directions

      (623) 516-8300
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