When you're looking for cheap Arizona group health insurance, you should choose a plan that either has the perfect mix of health coverage options you need or lets you choose the mix of health coverage options you need. The most affordable Arizona group health insurance policy for you is the one that gives you the amount of coverage you need at a price you can afford. In Arizona, there are nine basic kinds of group health insurance coverage: major medical expense, accident-only coverage, specified disease or specified accident, disability income protection, long term care, and Medicare supplement, as well as health maintenance organizations (HMO), preferred provider organizations (PPO), and point-of-service (POS).
When you buy cheap Arizona group health insurance that covers "major" medical expenses, like surgeries, you get exactly that: coverage for "major" medical procedures like surgeries. Similarly, accident-only coverage provides coverage for health-related accidents, as well as those that relate in death, loss of a limb or limbs, and loss of your eyesight, while coverage for specified diseases and specified accidents only provide coverage for those diseases and accidents listed in your group health insurance policy. Disability income protection makes sure that you get a portion of your pay if you get sick or hurt and can't work for a certain amount of time. Long-term care coverage and Medicare supplements aren't usually included in Arizona employer-sponsored group health insurance plans, but they can be bought separately from the health insurance company or another private health insurance company.
HMO, PPO, and POS are not the types of coverage you get with your Arizona group health insurance policy. Instead, they are the ways you will get that coverage. PPO usually lets you see a doctor outside of the network, but you have to pay a higher deductible to do so. POS is a mix of HMO and PPO.
