A Guide to Health Insurance in Arizona (AZ)

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There has been a big rise in the costs of health care over the last twenty years, and having access to good Arizona Health Insurance is becoming more important than ever. Without access to medical insurance that can help you to cover the expenses associated with falling ill or having an unexpected injury, you can find yourself with fairly catastrophic financial problems that may even end up with you needing to declare bankruptcy.

Medical procedures are one of the few areas where it is actually possible to have treatment within a couple of days that costs hundreds of thousands of dollars.

For example, a 2008 Millman Report offered this list of five medical procedures that all cost in excess of $500,000 to perform:

1/ Intestine Transplant - $1.21 Million
2/ Heart Transplant - $787,000
3/ Allogeneic Bone Marrow Transplant - $676,800
4/ Double Lung Transplant - $657,800
5/ Liver Transplant - $523,400

And in reality there are literally hundreds of others that will cost you in the tens of thousands of dollars range; leaving you with the prospect of financial ruin if you haven’t sorted out any Arizona Health Insurance to cover those expenses.

If you look into the various options that are available for getting health insurance in Arizona then you will find that there are a great many available, and that you really do need to dig down into the details of the policies before taking the plunge.

It may be tempting to choose Individual Arizona Health Insurance mostly on the basis of price, because in reality health insurance is expensive in comparison to rates of pay, even if it may be cheap in comparison to what the potential medical procedures would otherwise cost.  But the problem with this approach is that there are big differences between policies, with some paying out on the vast majority of health bills on most treatments, whilst others can offer only very narrow scope and only pay out on a very limited number.

To a large extent of course you are going to have to make decisions about your Arizona Health Insurance Cover on the basis of price, because most of us have limited budgets and the sky really is the limit in terms of how much you could end up paying out for medical insurance. But once you have got some quotes for cover then you will very quickly start to form a clearer idea about the amounts of premium that you can realistically afford, and within a narrow band around that price you will find that there will still be considerable differences between the policies that are available.

The ideal scenario is to choose a policy that pays all of your medical bills with a low excess and covers virtually all treatments.  But you are most likely going to have to compromise and suffer a higher excess, and a range of treatments that are not available to you.

This will especially be the case if you have pre-existing conditions, because typically you will be expected to have a medical before cover commences and to tell the Arizona Health Insurance company of any pre-existing conditions that you have.

These may possibly be covered if you choose a higher level of cover, but all too often they won’t be.

The best way to get started is to get a range of Arizona Health Insurance Quotes so that you can start to see exactly what cover is available, and at what price, and then make your decisions based on the real facts.


 

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