Health Insurance Agency in Scottsdale
At Pangea Insurance, we provide expert, personalized guidance to individuals and families seeking health insurance in Scottsdale. As an independent health insurance agency, we work with over 50 top carriers to find plans that fit your budget, lifestyle, and medical needs. Our services are always free of charge, and our goal is to save you money while ensuring you're well-covered.
Health Insurance Options for Individuals & Families
We specialize in a variety of health insurance solutions in Scottsdale. Here are the three primary types of health plans we offer:
- Major Medical or Affordable Care Act (ACA) Plans
- Short-Term Health Insurance Plans
- Medical Indemnity / Fee-for-Service Plans
1. Major Medical or Affordable Care Act (ACA) Plans
Also known as “Obamacare,” ACA-compliant health insurance plans offer the most comprehensive coverage available. These plans meet all federal requirements and provide essential health benefits such as:
- Preventative care
- Doctor visits (inpatient & outpatient)
- Hospitalization
- Prescription drugs
ACA plans are ideal for individuals with preexisting conditions or chronic illnesses. You cannot be denied coverage, and depending on your income, you may qualify for Premium Tax Credits or low-cost options through Medicaid or CHIP.
These plans can be purchased on or off the Health Insurance Marketplace. If you choose the Marketplace, you can:
- Check for tax credits
- Apply for financial assistance
- Compare plan options
Enrollment Periods: Open Enrollment runs from November 1st – February 15th. You may also qualify for a Special Enrollment Period based on life events like job loss, relocation, or marriage.
Click here to view Marketplace health plans and check your eligibility.
2. Short-Term Health Insurance Plans
Short-term health insurance offers flexible, affordable coverage for healthy adults, freelancers, and those in between jobs or waiting for Medicare eligibility. These plans provide temporary coverage for up to 12 months, renewable for up to 3 years.
While not as comprehensive as ACA plans, short-term plans are generally less expensive and can serve as an effective stopgap solution. They're a popular choice for:
- Self-employed individuals
- Healthy adults without preexisting conditions
- Students and recent graduates
Learn more about short-term health insurance options in Scottsdale.
3. Medical Indemnity / Fee-for-Service Plans
Medical indemnity plans pay a fixed benefit amount for covered services, such as $50 for a doctor visit, regardless of the actual bill. This structure provides excellent flexibility and can be used with any provider, without needing referrals or primary care designations.
These plans are a great fit for:
- Individuals who want maximum provider freedom
- People looking to supplement their primary insurance
- Those seeking help with deductibles and out-of-pocket costs
You can purchase a medical indemnity plan alone or use it to enhance another insurance policy.
Explore medical indemnity plan options here.
Why Choose Pangea Insurance?
- Over 50 top-rated insurance carriers
- No fees—our guidance is always free
- Customized coverage to fit your needs and budget
- Local expertise in the Scottsdale health insurance market
Looking for reliable and affordable health insurance in Scottsdale, AZ? Let Pangea Insurance be your trusted partner in navigating the insurance marketplace. Contact us today for a free consultation and let us help you secure the right coverage for your needs.
Contact Pangea Insurance in Scottsdale today to get started!
Frequently Asked Questions About Health Insurance in Scottsdale
What is the best type of health insurance in Scottsdale?
The best type of health insurance depends on your needs. For comprehensive coverage, ACA plans are ideal. If you're between jobs or need temporary coverage, a short-term plan may be right for you. We help you compare all options to find your best fit.
Can I get health insurance in Scottsdale outside of open enrollment?
Yes, if you qualify for a Special Enrollment Period due to a life event (like losing coverage, marriage, or relocation). We can help you determine your eligibility and enroll in a plan year-round.
How do I know if I qualify for a subsidy or Premium Tax Credit?
Your eligibility depends on income and household size. Use our Marketplace tool or speak to one of our licensed agents to check your subsidy eligibility and potential savings.
Are there free health insurance options available in Scottsdale?
Yes. Depending on your income, you may qualify for Medicaid or CHIP. We help you apply for these programs at no cost and find the right plan for your situation.
Can I keep my doctor with these health insurance plans?
Each plan has its own network of providers. We’ll help you choose a plan that includes your preferred doctors and specialists whenever possible.
Why should I work with an independent health insurance agency like Pangea Insurance?
Unlike captive agents, we’re not tied to a single company. We compare multiple plans from over 50 carriers, and our advice is unbiased, personalized, and completely free to you.