Insurance

Choosing The Right Health Coverage
People are pretty comfortable buying auto or home insurance, often comparison shopping or relying on an agent or friend for advice. But health insurance? What good health coverage means to one person could mean something completely different to another. The decision can be over-simplified by basing plan choice on price alone or over-complicated by trying to predict sometimes unpredictable health care needs. One step toward making a good health coverage decision is knowing what to look for.

Here are four keys to finding the right health plan:

Reliability
It’s important to consider the reputation and longevity of the health insurance you rely on to protect you.

Service
When you need your coverage most, aren’t forms, paperwork and red tape the last things you want to deal with? Some insurers are better than others. Know the difference.

Options
Understand your plan and price options. A good insurance agent will help you find a plan that fits your health care needs and most any budget.

Simplicity
Enrollment should be a snap, whether you want to enroll online or work with an expert who can help get things done.

And don’t forget: The breadth of an insurer’s network of doctors, hospitals and other health professionals varies from company to company. Plus, some carriers now offer value-added services such as health and wellness programs that include 24-hour nurse lines, online health resources, and personalized health assessments that can help identify possible health issues early
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So keep the four keys in mind to choose what’s right for you and your family. And ask for help from an expert agent.

AAA CAN HELP
AAA members are eligible for a five percent discount on individual health plans from Blue Cross Blue Shield of Arizona. BCBSAZ boasts the reliability of a company serving Arizona for more than 68 years, a track record of satisfied members, an array of plans for all kinds of customers and instant information through the Web and toll-free service lines. Learn more and apply for a quote online.

*Discounts may vary and may not apply to all plans. Applicants must meet all eligibility requirements for BCBSAZ individual coverage including qualifying for coverage under BCBSAZ medical underwriting guidelines. Pre-existing condition waiting periods and waivers may also apply.