What's a good health insurance company for a family of 4 in AZ that allows preexisting conditions?

Question

What's a good health insurance company for a family of 4 in AZ that allows preexisting conditions, has a low annual out of pocket, allows mail order perscriptions, and has a high lifetime cap?

Answer 1

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Answer 2

The key to finding the best Arizona health insurance plan (and really the best plan in any state) is to shop around and to enlist the help of any independent health insurance agent or broker.

An independent agent can work with many different companies and plans so they usually are the best way to find the best company for your specific needs.

Be sure and shop around and compare quotes from at least 3 different reputable Arizona companies. Here is some more information on pre-existing conditions and also some info specifically on health insurance in Arizona:

Answer 3

It depends on what the conditions are. Some companies may decline any particular condition while others may accept. Those that will accept may rider the condition. This means they'll accept you but not cover the condition for a period of time which could be from 1 year to permanent. However, even permanent riders may be removed over time. Other companies will accept you and the condition but will increase the premium up to 50%.  

All companies in AZ have a 6 month pre-existing condition clause but if the condition is minor and you've had previous insurance it may be waived.

Not everyone needs to be on the same policy. Companies that may accept the pre-existing condition may not have the low annual out of pocket and high lifetime cap that you want. In that case that person can get on the policy that accepts them while everyone else can get a "better" plan.

You'll need to visit a local agent that works with all the major companies in AZ. The agent can do a prescreen with all the companies to find your best options. There is no extra charge using an agent.