ARIZONA LIFE LINES
Insurance Services
IIIIIIII
Local Phone: 623-435-5511        Fax 623-435-5522
Outside Maricopa County:    888-543-5637    Fax 877-543-5637
e-mail june@arizonalifelines.com

___________________________________________________________________________________________________

Arizona Life Lines has been in business since 1992, serving customers throughout the state. We work with numerous carriers and provider groups, and utilize various specialists to assist with specific needs (disability, long term care, group, etc).   In 1999, we were named "Agent of the Year" by the Foundation for Medical Care (aka Maricopa Foundation). We provide services in the following areas:
___________________________________________________________________________________________________
 
 
*
Health (individual, family and small group) - specializing in the frustrated and hard-to-place, including high risk and those with preexisting conditions
*
Alien and Non-Resident Health (inside and outside the US)
*
HSAs (Health Savings Accounts - formerly Medical Savings Accounts)
*
Life Insurance (term, universal, whole life and variable)
*
Disability (short and long term)
*
Supplemental Accidental Injury
*
Travel Plans (15 days to three years, US and abroad)
*
Vision Services
*
Short Term Health (individual and family - one to twelve months)
*
Dental (referral plans and true insurance; individual, family and group)
*
Long Term Care 
*
Medicare Supplements
*
Prescription Discount Services 
*
Portability (HIPAA): health plans as well as information on legal rights related to COBRA and preexisting conditions

 

HIGH RISK, HARD TO PLACE OR FRUSTRATED?

While we enjoy the challenge of assisting individuals, families and small  groups with determining their needs for the right health plan (HMO, PPO, doctor-co-pay or more traditional indemnity plans),  we specialize in high risk and hard-to-place health and life. (While not everyone may be insurable, we have a higher-than-average success rate for placement.)
_____________________________________________________________________________

COBRA AND PORTABILITY (HIPAA)

We also offer assistance to consumers in understanding COBRA and HIPAA (Health Insurance Portability & Accountability Act).  This is a confusing area for consumers to understand, and many agencies are not up on the legalities and restrictions of this recently-passed federal mandate.  We are happy to assist both customers and non-customers alike to understand their rights associated with HIPAA. The best way to reach us with questions in these areas is through on our e-mail:

june@arizonalifelines.com.
____________________________________________________________________________

NEWSLETTERS AND ARTICLES

On a regular basis, we issue newsletters to the agents associated with AZ Life Lines, updating them on products we work with, as well as recently passed laws. In addition, we have published news columns and trade magazine articles related to the basics of health insurance.

Recent copies of these can be accessed at the end of this page.
______________________________________________________________________________

HOURS OF OPERATION

We are open from 9:00 till 5:30pm, Monday through Friday.  Unless we are attending an off-site function, the office is staffed at all times.  If you call and get voice mail, do  leave a message; it will be returned same day. We have several in-coming lines and try not to put callers on hold any more than necessary. Our voice mail is checked on a frequent basis and again after hours and on weekends.
__________________________________________________________________________

MISSION STATEMENT

While we make every effort, we are not able to help everyone to their satisfaction; unfortunately, there are individuals who will not find the coverage they're looking for, given their income, work or health-related circumstances.  It is our goal to help every caller, make calls in their behalf when possible and assist in whatever way possible, with all means available, to find them the coverage they're seeking or to provide an understanding of why the system cannot work for them at this time and what any other options might be.
______________________________________________________________________________

RESPONSIBILITY

Your  agent, whether us or someone else, is your first line of defense whenever you have a problem with an existing health policy. He/she earns a small commission on your business, and should be consulted whenever you have a problem with a claim or with understanding your policy.

Never buy a plan you do not understand or whose representative cannot adequately explain. Don't let an agent tell you he or she cannot leave materials with you so that you may think more about your purchase, if you wish. Any agent can leave material behind; those who don't are using high pressure tactics to make you buy on the spot. Likewise, there is no reason information cannot be mailed to you.

Agents cannot provide references as to who else has purchased a policy; that would be a breach of confidence. But feel free to ask about the carrier, how long they  have been in business, how long the agent has sold that particular plan, plus any other questions about the plan and the carrier.

_____________________________________________________________________________________

HELPFUL CONSUMER INFORMATION
(simply click on title of appropriate area of interest)

SELF-HELP & SUPPORT GROUPS

LIST OF PROVIDER NETWORKS FOR MOST PPOs AND HMOs IN ARIZONA

OUR TEAM OF SPECIALISTS FOR OTHER INSURANCE NEEDS
____________________________________________________________________________

The following articles were written by June Shaffer and are reprinted with permission: (click on title to view article)

1. Insurance: Risk and Responsibility

Overview of what you should expect from a policy and what it should do
2. COBRA, Portability, HIPAA???
The differences in these terms, what they really mean and who is and is not eligible for plans under these terms
3. Upset with High Premiums? Take Responsibility!
Take responsibility for lowering your rates by changing your perspective on what different types of health insurance do. Example: why pay more for co-pay plans if the savings with an indemnity is greater than the deductible for a co-pay plan?
4. Self-Employed? Not Necessarily a Problem
Being self-employed is not a deterrent to obtaining good medical coverage. Read why being self-employed is not the problem and what the laws are which govern this area.
5. HSAs Made Easy
Health Savings Accounts provide positive tax ramifications, in that they are treated as an IRA. Now available to everyone, whether self-employed or not, the HSA offers a high deductible plan at competitive rates, with a family deductible as opposed to a "per person" deductible.
6. Short Term Insurance: Is It Real?
Occasionally, an applicant may not qualify for a regular health plan:  between jobs, newly graduated, a medical condition making them uninsurable on a "regular" plan, waiting for group coverage to start, recently relocated... short term coverage meets these needs at very reasonable prices. Covers anything new in the way of illness or injury, offers a variety of deductibles and $1,000,000 protection.

7. Lost Your Group Coverage? Now What?
If you've just lost your group coverage and COBRA isn't available, you need to know immediately what your options are - waiting can cost you your insurability if you are high risk, and cost money if the unexpected should occur.
8. MSA for the NOT Self-Employed
This article no longer available as MSA's are now called HSA's and are available to anyone who can qualify (qualification is based on health history - underwriting for an HSA is just like any other medical plan). See Article #5, HSA'S MADE EASY for updated information.
9. How Does Insurance Really Work?
Insurance and health coverage are two different entities - insurance is about protecting against future risk, not established risk. Coverage is just that - coverage - and may be obtained in various fashion through non-insurance entitites.
10. What Good is Insurance if it Doesn't Cover Preexisting Conditions?
Reference Article 9, and also understand that just as you don't plan on currently having asthma, you won't "plan" on later developing diabetes. Insurance covers risks - things that you don't plan on and that haven't yet occurred.
11. Why Some People Can't Get Insurance
Insurance is a business - like any product sold through a business, no one is "entitled" to it. Money can't buy it if health has become seriously impaired. Why and why not.
12. Medicare Made Easy
Medicare is not as complicated as it seems! You have several options for your supplements, in varying premium ranges. These two to three pages summarize Medicare in just a few minutes!

Part D and Which Supplement Should I Get?

This is our personal overview of what to get and what to avoid, except in specific circumstances. Also a brief overview on the new Part D for prescription coverage.

13. Provider Network Groups
Website addresses that allow you to access the provider groups of various HMO and PPOs working with the various carriers in Arizona
14. Referral and Support Groups
Alcohol, bulimia, MS, diabetes... a list of various support groups in the area as well as the resources by which you can access even more.
15. Team of Specialists
Most brokers utilize a team of specialists to assist them and the people who call their office. No one agent can or should try to "do it all." This is our list of specialists, from group to disability, immigrant to naturo- pathic physician, along with their phone numbers and e-mail addresses