When looking for affordable Arizona group health insurance, you need to choose a group health insurance plan that already offers either the perfect combination of health coverage you need, or allows you to choose the combination of health coverage options you need. The Arizona group's most expensive health insurance policy will be the one that offers exactly how much health coverage you need, at the price you can afford. In Arizona, there are nine basic types of group health insurance coverage: major medical expenses, accident-only coverage, specific illnesses or accidents, disability income protection, long-term care, medical care supplement, as well as health maintenance organizations (HMO) and provider organizations Preferred (PPO) and Point of Service (POS).
When you purchase affordable health insurance for the Arizona group that provides coverage for large medical expenses, you get that – coverage for medical procedures that are considered "big", such as surgeries. Similarly, accident coverage only provides coverage for health-related accidents, as well as those related to death, loss of limbs or limbs, and loss of your sight, while coverage of specific diseases and accidents only provides coverage for those diseases and accidents listed in your group's health insurance policy. Disability Income Protection ensures that you get a percentage of your salary if you are disabled and unable to work for a specified period of time. Long-term care coverage and complementary medical care are typically not provided with Arizona group-sponsored health insurance packages, but can also be purchased from a health insurer or other private health insurer.
HMO, PPO, and POS are not the specific coverage you get with your Arizona Group health insurance policy; they are the ways you will get that coverage. Both HMO and PPO cover doctors within the network – PPO usually allows you to see an off-grid doctor at a higher discount – and POS is a combination of HMO and PPO.