No matter what age you are, if you are searching for
Arizona Health Insurance, it’s important for
you to know as much as possible about your rights and
obligations as a consumer. As a state, Arizona has
created a comprehensive list of policy requirements and
provisions to protect both consumers and insurance companies
selling health insurance to residents.
One of the most important rights is Arizona’s guaranteed
renewal policy, which states that as long as premiums are paid
on time, insurance cannot be changed, canceled or refused to be
renewed. Companies issuing health insurance policies may
not change premium rates on existing policies, but they are
permitted to have schedule rate increases as you get older.
Arizona Health Insurance
PoliciesHere are other important features
required in every Arizona health insurance policy:
- Emergency Room initial medical screening and
stabilization, plus emergency ambulance services, without
- Policies that cover prescription drugs must cover
FDA-approved prescribed contraceptive drugs or
- If inpatient services are covered, then prescribed home
health services must be covered too.
- Newborn or newly adopted children are automatically
covered for 31 days, and must be added to a health
insurance policy if their addition is requested and paid
for within 31 days.
- Consumers have a right to appeal denial of services or
claim payments for up to 2 years following the denial.
- In case of divorce or death, dependents have the right
to convert to their own policy
If you do have a pre-existing health condition, Arizona
health insurance providers do have the right to temporarily or
permanently exclude those conditions from coverage. unless you
are an “eligible individual” which means you were previously
covered by a group policy. In that instance, state law
requires that insurance coverage must be continued through
More information on health insurance is available on the
Arizona Department of Insurance website or by
calling their offices at 800-325- 2548. For ideas to
save on health insurance, check out our Health Insurance Shopping Tips Guide.
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