health insurance

A Insurance Shoppe/Individual Health Insurance Home

QUICK QUOTE Only required info is zip, date of birth & first name.

Includes... Aetna, American Community, Cigna, HealthNet, Humana and LifeWise

ANY Questions???.... PLEASE call me, Sam Schoppenhorst 520-318-4800 or Secure e-mail, been declined? please complete email questionaire.

Please read... Considerations when applying for individual health insurance….

Provider Directory Printable Application Brochures Compare Plans Blue Preferred (PPO) Blue Preferred BasicSaver Blue Saver Plan (HSA) Blue Select Plan (HMO) Blue Classic Blue Classic Saver (HSA) Medigap/Medicare Supplements

LifeWise Brochure Coverage for Acupuncture & Naturopathic Services, Unlimited Preventive Care, Unlimited Chiropractic, Covered Child Add-On Rates, Routine Physicals Sports and Employment Physicals, Women's & Men's Annual Exams, Well-Baby Exams, Preventive Immunizations Preventive Screenings, Mammography

PPO + rates HSA + rates HMO + rates Optional Dental Printable Application When applying online please e-mail us your name so we can track your application. General plan Information (large file)

We do not recommend the Autograph plans "Share 80/HSA" & "Total/HSA" plans because they do not cover outpatient prescriptions. Use Microsoft Internet Explorer

Plan Brochures Accident Benefit waives the co pay and deductible for accidents including the HSA plan!!!, $1000 coverage for preventive care, Vision Coverage, $5 million lifetime maximum, optional dental! Choose your county & "Individual Health & Networks" Fill-able Application Options.. Open file, complete application, save file and attach to a secure e-mail back to us.. Or print complete and fax back to us at 888-301-4329 or 520-318-9400

PPO, HSA Comprehensive to basic plans

Premiums for Saver Plans are significantly less because coverage is not provided for most outpatient services. Outpatient expenses not specifically listed in the policy are not covered. Please review the Saver Plans’ inpatient and outpatient expense benefits, exclusions, and limitations for details. They do not cover outpatient prescriptions!

Plan information (Brochure) Rates Provider List. Use Microsoft Internet Explorer

Please call or email for quotes. Providers Protector Plus PPO Plan Application This plan offers stable rates and comprehensive coverage. There are many fine options to choose from, including a $25 doctor-office Co-pay and full maternity (as any other illness) coverage! Great rates for children under 2 years old! Advantage Care HSA Qualified Plan: Application Pay for out of pocket, qualified medical expenses with pre-tax dollars! This plan offers 100% coinsurance after the deductible, and first dollar dental coverage...no deductible...no waiting period! APEX Major Medical Plan Application Traditional any doc/any hospital health insurance plan. No pre-certification! This plan has deductibles as low as $250!

Cigna HMO of Arizona Plan Information (Brochure) Rates Application Providers The CIGNA Individual Product is available in Maricopa Counties, Apache Junction, Pima, Pinal, Graham, Greenlee, Cochise and Santa Cruz Counties.

THIS GUARANTEED ISSUE HEALTH INSURANCE PLAN IS FOR THOSE WHO CANNOT QUALIFY FOR ANY OTHER HEALTH INSURANCE PLANS DUE TO PRE-EXISTING CONDITIONS....

Additional Products EZ Life Final Expense Life Insurance Application No physical exam or medical records required! Income Security - Disability Insurance Application This plan offers short waiting periods and benefits up to 5 years. Coverage available for many hard to place cases!

Individual or group policies for accidents, cancer, dental, hospitalization, intensive care and sickness. Please call or email for more information.

First Benefit Cancer Insurance Application Cash benefits are paid in a lump sum and range from $10,000 to $50,000. Monies are paid upon first diagnosis...medical treatment is not required! Benefits are yours to use on anything of your choice!

Other Health Care Options Helpful Links F A Q Page Glossary of Terms from...

Rates using a broker are the same as enrolling direct with the company. We offer the convenience of the Internet with Your personal local agent to Service your business after you enroll!.

ANY Questions???.... PLEASE call me, Sam Schoppenhorst 520-318-4800 or Secure e-mail Request quotes by email form or print & fax form Sample Quotes Plan Comparison Sheet Before you apply... Individual Health Insurance is applied for... we recommend you call or email first to discuss health conditions, medications and to check the height and weight charts.

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Considerations when applying for individual health insurance policies….

In my opinion, basic things to look for…

· Since 1989 I’ve seen so many companies withdraw from the market or go out of business my personal # 1 consideration in a company is it's stability. i.e... How long have they been in business and how long in Arizona... in the past have they been in business and then withdrawn (canceled all policies) in Arizona (and or other states) only to return again???

Before a company issues an individual policy they evaluate their risk. So initially new enrollees in the policy/group are in good health. As the years go on a certain percentage of the policyholders will develop health conditions that will incur large claims. When an insurance company looks and a block of business in a particular state that is paying out more in claims that it is receiving in premiums they may withdraw from that state. this may be done in the form of premiums getting so high that the only policyholders left are unable to find new coverage, or the insurance company may notify the state they are going to stop doing business in the state and cancel all policyholders. Policyholders who are now being treated for major conditions will find themselves unable to purchase new coverage with other companies. Arizona does not have a state plan for individuals unable to find individual coverage.

· All policies have exclusions and limitations, read them before you apply. Examples… * organ transplants covered, what are the limits? * Durable medical equipment covered/limits? * Mental health & Substance abuse covered, inpatient & outpatient? What is the lifetime maximum benefit? * Well care coverage, what is the benefit limit, is there a waiting period, is coverage before or after the deductible?

· Prescriptions should not have annual or lifetime limits. The only limit should be the maximum policy benefit for all conditions.

· Coinsurance an 80/20 plan means after you meet (pay) your deductible the insurance company pays 80% and you pay 20%. Is there a family maximum or does each family member have to pay?

· Out of Pocket maximum (OOP) is the annual dollar amount limit of the 20% you pay. This is when the plan starts paying 100%. Is there a family maximum or does each family member have to pay their own out of pocket maximum?

· Pre-existing conditions, what is the waiting period. Can range from none to never.

· Total dollar benefits, should not have annual limits i.e. $5,000 yearly limit for prescriptions or a $100,000 annual limit for benefits. If the policy maximum is three million dollars, then you should be able to receive those benefits in one year.

· Understand out of network benefits and the penalties when using non-network providers. Out of network penalties are severe.

· Rehabilitative services / Skilled Nursing / Home care / Hospice

· Maternity, covered? what is the waiting period for benefits, and how is it covered?

This is just a brief list of items to look for in individual policies. . I encourage you to not only in read the policy brochures but to read the actual policy after you have enrolled.

By Samuel C. Schoppenhorst- Questions???.... PLEASE call me, Sam Schoppenhorst 520-318-4800 or Secure e-mail