Arizona Group Health Insurance Plans For Arizona Employers

May 6th, 2013 | Arizona Group Health Insurance

There are lots of changes getting ready to happen to the large and small group health insurance marketplace in Arizona due to the Affordable Care Act – also known as ObamaCare. As an employer, are you aware of the requirements that are going to be put on your company and how it will affect your bottom line? There are several points that you should be aware of that could end up costing you expensive fines if you are not in compliance.

For a no-obligation consultation with an experienced group health insurance specialist, contact Lehrman Group’s Ken Whitley. Ken has been marketing and servicing group health insurance plans here in Arizona for over 40 years. He works with groups as small as two employees, and also groups of more than 150 employees.

Whether or not you currently offer health insurance to your employees, give Ken a call at (800) 600-9663. His extension is 19. He will bring you and your team up to date so that you can make the smart choices and be in compliance to avoid expensive penalties.

If you are an Arizona employer and you want to see how Lehrman Group might be able to lower the monthly premium costs for your employees, or to request rate quotes for a new employer group health insurance plan, click here to begin the process.

Employer Group Health Insurance Arizona

April 29th, 2013 | Arizona Health Insurance

Lehrman Group, Arizona health insurance brokers, will be conducting another Lifehacker “Ask an Expert” Question and Answer session on Monday, April 29 at 3PM Eastern, 12 noon Pacific time.

This session will be entirely devoted to employer group health insurance plans, and how ObamaCare will affect you and your employees. Join in and ask us whatever questions you may have regarding employer/employee group health insurance plans.

To view a recent webcast please Click Here

Arizona Long Term Care Insurance

Health insurance is a hot topic right now and it’s important to choose the best plan for you or your family. We offer everything from a basic co-pay plan, Arizona nursing home insurance, an Arizona home health care insurance policy, or an Arizona long term care insurance plan. All of your health insurance needs are available right here at Lehrman Group.

When it comes to a long term care plan, also known as nursing home plans, we offer plans from many companies including John Hancock, Mutual of Omaha, Genworth and more.

IF you are trying to decide which health insurance policy would work best for you and your family, call us now! Our experience speaks for itself; we have been selling individual and family health insurance plans throughout Arizona since 1988. We represent the Blue Cross Blue Shield of Arizona Health Insurance plans, United HealthCare’s Golden Rule plans, Aetna and Humana’s plans, and many more.

We specialize in Arizona health insurance plans, and we offer the largest selection with the best policy inclusions and most attractive pricing for both individuals and families in Arizona. To begin the quote process for your company or family for a major medical health insurance plan, call us at (520) 760-0392 from Tucson, (623) 455-6997 from Phoenix, or (800) 600-9663 from Yuma, Flagstaff, Bullhead City, Sierra Vista or any other outlying Arizona community. You can also complete the quick and easy form located here to request rates. We’ll provide you with no-obligation quotes from many of the available health insurance companies offering insurance in Arizona.

To get rates for long term care plans, go here instead.

Usually the most expensive health insurance plan is absolutely the wrong plan for you or your family. If you are quite young and never go to the doctor, why purchase a plan that gives you unlimited doctor visits? That small detail may add hundreds, if not thousands, of dollars to your annual premium. If you don’t require maternity benefits, why pay for that? At Lehrman Group, we discuss with you your lifestyle and needs, and taylor fit the best plans for your individual needs.

Give us a call and let us show you how easy buying an Arizona health insurance policy can be.

Arizona long term care insurance

Small Group Health Insurance Arizona for Employers

March 24th, 2013 | Arizona Health Insurance, Blue Cross Blue Shield of Arizona

Small Group Health Insurance Arizona for Employers

IF your company has employees in Arizona and you are trying to decide which health insurance policy would work best for your firm, give Lehrman Group a call. We have been selling large and small group health insurance Arizona plans throughout Arizona since 1988.

We represent the Blue Cross Blue Shield of Arizona employer group health insurance plans, United HealthCare’s plans, Aetna and Starmark plans, and many more.

We specialize in group Arizona health insurance plans, and we offer the largest selection of group health insurance plans with the most attractive policy designs and pricing to employers in Arizona. To begin the quote process for your company, call us at (623) 455-6997 from Phoenix, (520) 760-0392 from Tucson, or (800) 600-9663 from Yuma, Flagstaff, Bullhead City, Sierra Vista or any other Arizona community. You can also complete the small form located here to request Arizona health insurance rates for your employees. We’ll provide you with no-obligation quotes from many of the available health insurance companies offering group health insurance plans in Arizona.

Give us a try and let us show you how easy buying a group health insurance policy for your Arizona-based employees can be.

Arizona Health Insurance Plans from Lehrman Group

March 24th, 2013 | Arizona Health Insurance, Blue Cross Blue Shield of Arizona

IF you live in Arizona are trying to decide which health insurance policy would work best for you and your family, give Lehrman Group a call. We have been selling individual and family health insurance plans throughout Arizona since 1988.

We represent the Blue Cross Blue Shield of Arizona health insurance plans, United HealthCare’s Golden Rule plans, Aetna and Humana’s plans, and many more.

We specialize in Arizona health insurance plans, and we offer the largest selection of health insurance plans with the most attractive policy designs and pricing to both individuals and families in Arizona. To begin the quote process for your company, call us at (520) 760-0392 from Tucson, (623) 455-6997 from Phoenix, or (800) 600-9663 from Yuma, Flagstaff, Bullhead City, Sierra Vista or any other Arizona community. You can also complete the small form located here to request Arizona health insurance rates. We’ll provide you with no-obligation quotes from many of the available health insurance companies offering health insurance plans in Arizona.

Give us a call and let us show you how easy buying an Arizona health insurance policy can be.

Arizona Health Insurance Plans from Lehrman Group

Everything you need to know about Health Care Reform (or ObamaCare) beginning in 2014

March 15th, 2013 | Arizona Health Insurance

This blog post about obamacare arizona is courtesy of our friend and colleague Todd P. Page, Vice President of JLBG Health. The opinions expressed in this post are those of the author. See Todd’s bio at the end of the post…

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How will the new Health Insurance Exchanges work and what will my options be in 2014?

Starting January 1, 2014, the newest and largest phase of the Affordable Care Act (ACA) will emerge. We have put together the most common elements of this new law and also what we feel are the issues that the self employed might be the most concerned with.

The following is a guide of how the Exchanges will work and what you can expect.

Health Insurance Exchanges are expected to go online in the 4^th Quarter of 2013. A Health Insurance Exchange is a way for all people to shop for the most competitive prices on health insurance through one source.

What are my options going to be in 2014?

Medicaid:

If you are at or below approximately $15,000 of annual income as an individual or $31,000 per year as a family of four, you will be eligible for Medicaid and you would not be required to pay a premium.

State or Federal Exchange (Public Exchange):

Depending on which State you live in, you will have access to an Exchange administered by your State. If your State does not offer an Exchange, you will fall back on the Federal Exchange option. Four different options, called “Metal Plans” (Bronze, Silver, Gold, and Platinum) will be offered through these Exchanges. Subsidies will be available based on you age, your income, and your geographic Read the rest of this entry »

I have a Blue Cross Blue Shield of Arizona Policy, So Why Can’t I Go To The Mayo Clinic In Arizona?

March 12th, 2013 | Arizona Health Insurance, Blue Cross Blue Shield of Arizona

Some employees of the Mayo Clinic in Scottsdale have their group health insurance with Blue Cross Blue Shield of Arizona. They can use the Mayo Clinic and its doctors and have their medical bill paid by Blue Cross. Some Arizona employer groups insured by Arizona Blue Cross - our information puts the list at less than 100 – may also visit Mayo providers.

But I, the possessor of an extremely high quality Arizona Blue Cross policy, can only see Mayo providers on the “out of network” side of my Blue Cross health insurance plan. The Mayo providers are not available, in network, to people who live in Arizona and are “individual” policyholders of Arizona Blue Cross, like me. At least we can still go there if we choose – we just have to pay more.

But if you live in New Jersey, or Michigan, or any other state and have an individual health insurance policy from your local Blue Cross company and your insurance ID card has a picture of a little suitcase with the letters PPO in the suitcase (as does MY card), you CAN go to the Mayo providers in Arizona and get medical care – your Blue Cross company will pay those medical bills and consider the Mayo providers “in network” for you. But not for me. Why?

This is not a practice confined to Arizona. In Pennsylvania, Highmark Blue Cross, located in Pittsburgh, has just stopped allowing its policyholders to access one of the highest ranked hospitals in the state, the University of Pittsburgh Medical Center and its affiliated doctors. See this newspaper article, published March 5, 2013: http://bit.ly/Wt6NDO – this is a new development, and it is creating hardship and nightmares for scores of Highmark Blue Cross policyholders who just found out that they could no longer see the people they THOUGHT were their doctors. It appears they can’t even pay cash to continue seeing the doctor of their choice. According to UPMC’s spokesman, Paul Wood, “We have decided that a Community Blue subscriber’s willingness to self-pay or ability to self-pay is not one of the approved exceptions” that would allow them access to UPMC’s provider network.

When we find out why we, as Arizona residents with a health insurance policy from Blue Cross Blue Shield of Arizona, don’t have in-network access the Mayo Clinic or its providers, we’ll let you know. If you have any ideas why this is happening, please feel free to comment.

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Announcing the New Lehrman Group Gazette

March 7th, 2013 | Arizona Health Insurance

Lehrman Group now has its own newspaper. It changes every afternoon and you can subscribe for free. You can find it here. You can ask us to include the news you’d like to see. You can even have it delivered to your email once each day.

Leave your suggestions for inclusions below and we’ll do our best to add your request.

PCIP No Longer Accepting New Enrollees

February 20th, 2013 | Arizona Health Insurance

PCIP – the Pre-existing Condition Insurance Plan that was one of the first implementations of ObamaCare (PPACA) – has closed the door for any new enrollees.

PCIP was a wonderful opportunity for those people that had pre-existing conditions to be able to get a good health insurance policy. If you had cancer or diabetes or were otherwise too sick for a commercial health insurance company to offer a policy to you, PCIP would offer you a policy at a very competitive monthly rate and cover your pre-existing conditions. Who knows how many people’s lives, and bank accounts, were saved because they enrolled for a PCIP plan.

The government plan was expected to enroll about 400,000 people into the plan, but only about 100,000 people actually signed up. Yet the money allocated to pay for the medical bills of the enrollees has dwindled to the point that PCIP is no longer available. If you have a PCIP policy in force, you’ll be fine, but if your doctor told you today that you have cancer, you are out of luck as far as getting covered at PCIP is concerned.

Over the past couple of years, we at Lehrman Group have recommended the PCIP plans to hundreds of people who have enrolled into the plan. But now we no longer have an option to recommend to those who contact us, looking for a health insurance policy that will cover them and pay the bills for their pre-existing condition.

The lesson to be learned here is this: only 25% of the people the government expected to enroll in PCIP actually did so, BUT AT A COST FAR FAR GREATER THAN WHAT WAS EXPECTED, AND THE MONEY IS ALREADY RUNNING OUT. What will happen, come January 2014, when ObamaCare goes into full swing? How long will it take until America discovers the TRUE financial cost of ObamaCare?

Paying For Long Term Health Care is a Problem

January 21st, 2013 | Arizona Long Term Care

The well-known financial advisor, Sylvia Porter, once said, “if you have a retirement plan and it does not include a long term care insurance policy, you do NOT have a retirement plan.”

Many people think that Medicare and Medicare supplements cover the cost of long term care. The reality is that they do not, and by the time you find you have no coverage, it will be too late for you to purchase one of these policies.

Without a well thoughtout plan, the need for extended care due to sickness or injury can wipe out your retirement plans. The cost for long term care in Arizona averages over $200 a day, over $6,000 per month — over $72,000 per year. How would you fund this expense for yourself or your spouse?

A long term care policy can pay for these expenses, and these plans are quite affordable if you purchase one while in your 50s or early 60s. If you wait longer, you may find the cost for a long term care policy to be prohibitive. And once you have any condition that may put you into a long term care facility, no insurance company will give you a policy – it will be too late for you.

Call us at (800) 600-9663 or visit our long term care webpage and ask us for a no-obligation free quote for a long term care insurance plan by clicking here. We represent all major carriers that offer long term care insurance policies here in Arizona – Genworth, Mutual of Omaha, John Hancock and more.

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