Updated June 08, 2015.
Arizona Department of Insurance
The Arizona Department of Insurance is responsible for regulating all types of insurance sold in the state of Arizona - including health insurance policies. They have two offices - one located in Phoenix and one located in Tucson. Either one can help, so choose the office closest to you.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Arizona.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Department of Insurance. They have a Health Care Appeals Request form available for download.
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job.
The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.
Healthcare Group of Arizona
The Healthcare Group of Arizona offers coverage to small business owners with 50 or fewer employees. This is also an option for self-employed individuals who are unable to obtain an individual policy due to preexisting conditions. In order to qualify, you must have been in business for at least 60 days and have been uninsured for at least 6 months - or have creditable coverage from a group plan.
Buying Individual Policies in Arizona
Unfortunately, Arizona law allows insurers to reject applicants for having preexisting medical conditions - UNLESS they are "HIPAA-eligible" individuals. "HIPAA eligible" individuals are people who have left job-based group coverage AND have elected and fully exhausted any COBRA or state-operated continuation coverage they were offered. HIPAA eligibility only lasts for 63 days after the date COBRA coverage expired. If you are "HIPAA eligible", insurers must offer you at least 2 different individual policies to choose from. For more information about HIPAA policies, contact the Arizona Department of Insurance.
KidsCare - the state Children's Health Insurance Program
KidsCare provides health insurance coverage for children age 18 or younger whose family meets certain income guidelines. KidsCare is very inexpensive - no more than $25 per month for one child, and no more than $35 per month no matter how many children you have.
Arizona Department of Insurance
The Arizona Department of Insurance is responsible for regulating all types of insurance sold in the state of Arizona - including health insurance policies. They have two offices - one located in Phoenix and one located in Tucson. Either one can help, so choose the office closest to you.
If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Arizona.
If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Department of Insurance. They have a Health Care Appeals Request form available for download.
Arizona Department of Insurance - Phoenix Office
2910 North 44th Street
Suite 210
Phoenix, AZ 85018
Phone:(602)364-2499 or (800) 325-2548
http://www.id.state.az.us/
Arizona Division of Insurance - Tucson Office
400 West Congress
Suite 152
Tucson, AZ 85701
Phone: (520) 628-6370 or (800) 325-2548
http://www.id.state.az.us/
U.S. Department of Labor
If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job.
The EBSA works to make sure that all of this happens and your rights are protected.
If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.
U.S. Department of Labor Employee Benefits Security Administration
Los Angeles Regional Office
1055 East Colorado Blvd., Suite 200
Pasadena, CA 91106-2341
Billy Beaver - Director
Phone 626.229.1000
Fax 626.229.1098
http://www.dol.gov/ebsa/
Healthcare Group of Arizona
The Healthcare Group of Arizona offers coverage to small business owners with 50 or fewer employees. This is also an option for self-employed individuals who are unable to obtain an individual policy due to preexisting conditions. In order to qualify, you must have been in business for at least 60 days and have been uninsured for at least 6 months - or have creditable coverage from a group plan.
Healthcare Group of Arizona
700 E. Jefferson St., #200
Phoenix, AZ 85034
Phone: (602) 417-6755 or (800) 247-2289
http://www.healthcaregroupaz.com/Default.aspx
Buying Individual Policies in Arizona
Unfortunately, Arizona law allows insurers to reject applicants for having preexisting medical conditions - UNLESS they are "HIPAA-eligible" individuals. "HIPAA eligible" individuals are people who have left job-based group coverage AND have elected and fully exhausted any COBRA or state-operated continuation coverage they were offered. HIPAA eligibility only lasts for 63 days after the date COBRA coverage expired. If you are "HIPAA eligible", insurers must offer you at least 2 different individual policies to choose from. For more information about HIPAA policies, contact the Arizona Department of Insurance.
KidsCare - the state Children's Health Insurance Program
KidsCare provides health insurance coverage for children age 18 or younger whose family meets certain income guidelines. KidsCare is very inexpensive - no more than $25 per month for one child, and no more than $35 per month no matter how many children you have.
KidsCare
920 E. Madison
MD 500
Phoenix, Arizona 85034
http://www.kidscare.state.az.us/
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