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Health Insurance Exchange Arizona Question & Answers

2015 August 10
by Sarah Fields

Joseph asks…

Best health insurance for 22 yr old?

Okay so right now I have insurance through my job and the insurance really blows (for lack of a better term). Every time I go to the doctor I end up paying a couple hundred dollars for the tests they have to run (I’m a girl so I go once a year). Plus they don’t cover hospital visits (had to go the emergency room and me insurance didn’t pay a dime so I had to pay $500 out of pocket for the visit). So I was looking into getting my own insurance but I am not sure which one I should get.

I live in Arizona and I am a 22 year old female. The only time I go to the doctor is for my yearly gyno visit and if something is really wrong (which is very rare). I would also like a vision and dental with it too since I go to the dentist once a year along with going to the eye doctor. So any suggestions would be nice :) Thank you in advance.

Sarah Fields answers:

Only you can determine what is the best health insurance plan. I say that because you are the one that has to make the decision of what the right balance is between affordability and policy benefits.

For example, if you choose a plan that covers everything i.e. Doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant. Is the most comprehensive policy coverage the best health insurance in spite of the cost? You have to decide.

On the other hand because you are young, reasonably healthy and use the health care system sparingly you could consider a Health Savings Account plan in conjunction with a high deductible health plan. In exchange for a lower monthly premium, you agree to pay for your health care costs unless there is a major health expenditure. Is this approach the best health insurance policy for a 22 year old? You have to decide.

Maybe you’d rather have more comprehensive individual health insurance coverage, with features such as preventive care coverage. To keep a lid on the cost consider a PPO or HMO plan with an in-hospital deductible. Consider higher co-pays for doctor’s office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead. Is this approach the best health insurance policy? You have to decide.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. Armed with knowledge of the coverage available and the associated costs you can decide what is the “best” policy. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some are going to suggest you go to their web site so that they earn a few pennies on a “click through”. Some may suggest going on line to get a quote but you probably already know that there is more to a good health insurance policy than price. Use the Internet to educate yourself but use an agent to purchase the coverage.

Linda asks…

Did you see, Obama is now open to taxing employer provided health care benefits?

He brutally attacked McCain during the campaign for making the same suggestion. Before the election Obama called this “the largest tax increase in history on the middle class.” What a difference a few months makes.

Administration Is Open to Taxing Health Benefits

“…The proposal is politically problematic for President Obama, however, since it is similar to one he denounced in the presidential campaign as “the largest middle-class tax increase in history.” Most Americans with insurance get it from their employers, and taxing workers for the benefit is opposed by union leaders and some businesses.

“In television advertisements last fall, Mr. Obama criticized his Republican rival for the presidency, Senator John McCain of Arizona, for proposing to tax all employer-provided health benefits. The benefits have long been tax-free, regardless of how generous they are or how much an employee earns. The advertisements did not point out that Mr. McCain, in exchange, wanted to give all families a tax credit to subsidize the purchase of coverage…”
Make no mistake, this is a trial balloon. Team Obama needs trillions to create their welfare state and the only place you can find that kind of money is with the middle class.

Sarah Fields answers:

This is just an example of being a hypocrite~~is there no end to this
tax madness?

Richard asks…

Things to pack for London?

I’m leaving for London at the end of June, and I’ll be there for a week. What exactly should i be wearing? (Shorts, Pants?) What kind of shoes do I wear? I should convert my money before going, but where? How much money should I bring if I’m just going as a tourist? Thanks a bunch!

Sarah Fields answers:

Maybe take a look at this atricle:

I live in the Uk, not London, but don’t just pack for rainy weather, we do gfet quite a bit of sun, normally in June but not always ganrrentied.

Make sure you pack a Uk plug adapter, not one for europe, An American exchange student made this mistake. We have different plugs.

Don’t worry if you forget things, you can buy anything in London, it’s probably more expensive than America because we pay tax and get free health insurance, (think that’s the reason.)

Just wear what you normally wear, unless you come from alaska or Arizona. Britain is a lot like Forks, (yes twilight, but I don’t know your countries geography so I’m hoping you understand)

How much you bring is up to you but I would say £500 in case you get stuck with no food and a palce to stay or something. You don’t have to spend it all and London is pretty expensive compared to other places, better safe than sorry.

Anyway good luck with your trip, hope you enjoy it. =]

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