HELP

HELP! - I was just diagnosed with (insert your medical problem here) and I need to get some insurance quick. What do I do?

ANSWER - The short answer is - "Sorry!" - The insurance company is not going to cover what you need done and may not even accept you. They will exclude you under the "pre-existing conditions" clauses. Do not believe any insurance sales person who tells "My policy will cover your impending operation". It just isn't going to happen. They are not going to collect a $250 premium from you and then pay $20,000 for your operation. The only exception is a "guaranteed issue" policy.

Here are your options:

You might be able to get on a company group program which doesn't have a pre-existing conditions waiting period, if you can find someone that will hire you because then the premium for the group will increase. Employers know this and this makes it very difficult to find such a job.
You can get on a discount plan. Be very wary of these, most are SCAMS.
You can give us a call and we can help.

HELP! - I just found out I'm pregnant and need to get insurance quick to pay for my maternity bills!

ANSWER - Exactly the same answer - "Sorry!" - no insurance company is going to cover your maternity. In Arizona no insurance company will write a policy on anyone (including the father) pregnant. In addition, because of the health care reform act which there is only one company that has one plan with maternity coverage. Do NOT believe anyone telling you otherwise, it just isn't going to happen.

There are some very unique circumstances which might help. If you recently (less than 63 days ago) left a job which had maternity coverage you may be able to get on COBRA even when pregnant.

You may be tempted on purchasing one of the "Maternity Discount" cards that are available that will give you "UP TO 80% DISCOUNT" on your maternity and delivery charges. SAVE YOUR MONEY! The "discounts" that you may receive, if you can find someone that will accept the card, is about the same as you'd get by paying cash anyway. If you are currently pregnant and don't have any insurance coverage at all we do have a product that will give you some relief, give us a call and we can help.

Your only other option would be to get on AHCCCS, which is the Arizona Medicaid Department. Of course, if you are from another state you can look up their Medicaid websites.

HELP! - I just lost my job and my group medical - I need to know what to do!

On your calendar mark 63 days from the time you lost your group coverage, this is how much time you have to do something. Check out our COBRA page or give us a call.

HELP! - I just got a divorce and lost my ex-spouse's coverage - what do I do?

You and your kids are proteced under the COBRA laws, Give us a call.