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Individual Health Insurance Plans Arizona Question & Answers

2015 November 28
by Sarah Fields

Paul asks…

Will the GOP lose without an alternative health care plan?

he McCain campaign’s senior economist said on Monday that the Republican Party will lose the health care debate unless it presents one, comprehensive alternative plan to compare with Democratic-led effort.

Douglas Holtz-Eakin, who was the main spokesperson on health care matters for the Arizona Republican during the 2008 presidential election, applauded individual Republicans for putting forth “good policies” that would promote individual markets for coverage. He even noted that there is a political benefit to simply opposing Democratic legislation.

But, he added, “I do think that it is beneficial for Republicans as a whole to have a consensus alternative… Collectively we lose if we don’t provide an alternative.”

Holtz-Eakin’s comments came during a telephone briefing with reporters on Monday, just one day after House Minority Leader John Boehner pledged that the Republican Party would produce an actual piece of legislation that would be scored by the Congressional Budget Office.

Sarah Fields answers:

Having actually read the “Reforms” that the Republicans have presented so far I can tell you they have NO real “Reform” only options to maximize the profits while throwing more people off of their Insurance.

Michael asks…

How do you feel about McCain’s Health Care Plan?

While still having the option of employer-based coverage, every family will receive a direct refundable tax credit – effectively cash – of $2,500 for individuals and $5,000 for families to offset the cost of insurance. Families will be able to choose the insurance provider that suits them best and the money would be sent directly to the insurance provider.

Do it bother you that the money will go directly to the insurance company’s..

I do not trust insurance company’s to begin with and this just makes me nervous..

Sarah Fields answers:

For starters, McCain has been, for a very long time, dead wrong on immigration and border policy. He is still dead wrong.

In 2004, voters in his own state passed Proposition 200, requiring proof of citizenship before someone can vote or participate in state giveaway programs. Despite opposition led by McCain, the measure was approved by 56 percent of the vote, with close to 50 percent of Hispanics approving it.

(Column continues below)

He’s not only out of step with Americans on this issue, he’s out of step even with his own constituency in Arizona.

He has been a leader in the amnesty cause in the Senate, partnering with Ted Kennedy on the bill’s language and sponsorship.

He also led opposition to building the border fence.

Do you really think McCain is going to be any better than George W. Bush on this critical national priority? Chances are he will be even worse.

But what about judges, you ask? Won’t a McCain presidency give Americans a chance to reclaim the Supreme Court in the name of the Constitution and original intent?

The evidence is far from conclusive, given that McCain voted to confirm Ruth Bader Ginsburg and Steven Breyer to the Supreme Court. He also, as is his nature, conspired with Democrats in the Senate to block approval of Bush’s most conservative jurists.

He gave us McCain-Feingold – the worst legislative attack on the First Amendment in decades. This law actually restricts political speech prior to elections – a clearly unconstitutional approach to so-called “campaign finance reform.”

He’s a globalist – standing strong even today behind agreements like NAFTA that are ravaging Third World economies, eliminating jobs in the U.S. And chipping away at U.S. Sovereignty and the power of the people.

I could go on and on. McCain is wrong on so many issues of the day. But there is one more I feel compelled to share. Some people suggest we should forget all our beefs with McCain and support him because he’s right on the war against terrorism. I disagree.

I disagree not only that the issue supersedes all others, but also with the assumption that McCain is right about the conduct of the war.

Need I remind everyone it was John McCain who nearly single-handedly stripped our troops of the interrogation tools they needed to defeat the enemy and prevent attacks on innocent Iraqis and our own soldiers? More than anyone else in American politics, McCain led the fight to stop coercive interrogations, an absolutely essential weapon in our arsenal in the conduct of this war and future wars.

McCain calls it torture. But it is not. Coercive interrogations are a necessity of any successful war campaign. When he stopped them with his legislative campaign, his actions not only prolonged the war and led to higher casualties for American troops and innocent Iraqis, he also ensured any future war will be far most costly in U.S. Lives.

How bad would McCain be?

I’ll put it this way: Worse than Bush.

Are you ready for that?

I’m not.

Donna asks…

MTF hormone therapy in arizona…….help?

Ok my little brother is transitioning into a female. His friends keep trying to push hormones off the streets on him. Im scared he might kill himself by overdosing. Ive been researching and exhausting the phone book looking for doctors that speacialize in transgendered individuals in arizona but i cant find anyone! somebody please give me a refferal to someone reputable whos transgender savvy in the city of phoenix arizona!! also he doesnt have any insurance (omg) how much is all of this going to cost??????he is what he is dont lecture on about the whole “god made you” subject we’ve been through this .
He “doesnt have a docotor” nor insurance. That is what Im looking for. I need to know if anyone knows of a doctor in arizona who speacializes or is familiar with transgendered folk. ive tried googlling and im tired of getting porno sites…..thanks
He “doesnt have a doctor” nor insurance. That is what Im looking for. I need to know if anyone knows of a doctor in arizona who speacializes or is familiar with transgendered folk. ive tried googlling and im tired of getting porno sites…..thanks

Sarah Fields answers:


First for you, it will help you to realize that your little “brother” is actually your sister (the labels are always confusing for people who are not transgendered).

Second, I agree with a previous answer… is a wonderful resource for finding health care providers versed in the area of transgendered health care. My recommendation is that you seek medical assistance in either the Phoenix or Tuscan areas as medical professionals in larger metropolitan areas are far more understanding of what it is to be transgendered.

At the same time that you are looking for a physician you will also want to find a psychologist. Your sister may be certain of her gender identity, as most transgendered people are, but there will be things she will go through during her transition such as resolving issues from her past, dealing with other family members, and so on…that will require the counseling of a therapist.

As far as costs are concerned, the typical out-of-pocket physician fees are usually around $150 for the first visit and then anywhere from $80 to $110 for each additional visit with the physician usually requiring your sister to return every two to six months.

In regards to medication you really have two choices as far as hormones are concerned- Premarin and Estradiol. Premarin is the more expensive form and is usually dispensed in lower dosages. In addition, there is a much higher risk of contracting cancer while taking Premarin. My recommendation is to have your sister’s doctor prescribe Estradiol. It is usually prescribed in higher dosages, it’s safer in regards to cancer risks, and is usually really inexpensive. If your local Walmart pharmacy has a $4 prescription plan as they do in a good number of states, Estradiol will cost you about $8 per month during the first stages of HRT(Hormone Replacement Therapy) and up to $32 per month during the latter stages of HRT.

Your sister will also need to be prescribed an Anti-Androgren, also known as a Testosterone blocker. This type of medication works to block the masculinization effects normally associated with Testosterone. Spironolactone is probably the most common anti-androgen. It is also a Dieuretic which means that, if prescribed, your sister will be urinating quite often but that is a small price to pay in return for the positive effects of the medication. Out-of-pocket costs for Spironolactone, even on Walmart’s $4 prescription plan, range anywhere from $60 per month during the early stages to $120 during the latter stages.

The most expensive medical costs besides the SRS (Sexual Reassignment Surgery) itself, is Electrolysis and/or Laser treatments for permanent facial hair removal. These treatments costs in the thousands of dollars per year but, depending on your sister’s age, thickness of facial hair, and the rate of growth of her facial hair, she may not need these treatments.

As I am self-employed I have had to pay for my health care out-of-pocket and am very familiar with this process. If you have ANY questions feel free to drop me e-mail :-)

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