Michael Porter, Harvard Business School Professor on Health Care Reform

Get quotes for individual/family health insurance in Arizona here. Contact us today at 602-510-7507 to find out how an HSA can benefit you.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona. We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona. We offer the best in Arizona Health Insurance.
© IQ Financial Group, llc.

Toby Cosgrove, Cleveland Clinic President & CEO – Reform Model

Get quotes for individual/family health insurance in Arizona here. Contact us today at 602-510-7507 to find out how an HSA can benefit you.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona. We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona. We offer the best in Arizona Health Insurance.
© IQ Financial Group, llc.

My Health Reform

Humana has put together My Health Reform to provide information and a place for you to make your voice heard.  There are some great easy to understand videos and other information on the topic. Check it out!

Get quotes for individual/family health insurance in Arizona here. Contact us today at 602-510-7507 to find out how an HSA can benefit you.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona.  We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona.  We offer the best in Arizona Health Insurance.

© IQ Financial Group, llc.

Healthcare Blue Book

The Healthcare Blue Book offers a number of free resources to help you learn how to be an informed consumer, and enable you to make good decisions for your health and pocketbook. You may choose to learn more about how to understand and document your medical needs, how to use the Healthcare Blue Book to find a fair price, how to ask your healthcare provider about getting the best possible price or how to understand and use your insurance benefits.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona.  We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona.  We offer the best in Arizona Health Insurance. © IQ Financial Group, llc.

When Visiting the doctor

When you do have to visit a doctor or other health care professional, make sure you talk with him or her about how to make the most of your HSA and keep these tips in mind:

• Always present your medical plan identification card.
• Be sure to notify the provider’s office that you do not have a co-payment.
• Discuss your plan with your doctor so he or she knows you are making health-wise and cost-conscious choices for your health care.
• If your plan covers preventive care at 100% or a copay, remind the office so they code your visit correctly when submitting the claim.

Health Savings Accounts Win Over Owners

Health savings account (HSA) owners are overwhelmingly satisfied with their accounts, and 91% believe such accounts should remain an option for Americans, according to a nationwide survey released by OptumHealth Inc. More than 80% of respondents cite their ability to save for future health-care expenses as the primary reason for opening and depositing money into their HSAs.

“HSAs have very strong support across a broad range of income levels and are helping people be better health-care consumers,” said Chad Wilkins, chief executive officer for OptumHealth Financial Services.

OptumHealth’s survey found:

• 82% of HSA owners are satisfied with their accounts.
• 78% believe the continued availability of HSAs should be part of any health-care
  reform that may occur.
• 74% agreed they would recommend an HSA to a friend or family member.
• 30% or respondents said that they wouldn’t have health insurance if it were not for
  their HSAs.
• 70% of HSA participants make $75,000 a year or less in income.

The study also showed that HSA owners are engaged in their financial and physical well-being. For example, 64% of the respondents said they inquired about generic options for medication and 47% indicated they asked their care providers about charges.

HSA owners also agree that people need to become more engaged in their health care. The survey found that 83% of respondents agreed people should research health-care options and try to get the best price – just like they do for other major consumer purchases. 72% of respondents said that individuals should be responsible for helping to manage their own health-care costs.

Get quotes for individual/family health insurance in Arizona here. Contact us today at 602-510-7507 to find out how an HSA can benefit you.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona.  We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona.  We offer the best in Arizona Health Insurance.
© IQ Financial Group, llc.

We Work With Top-Rated Insurers

At IQHSA we only work with top-rated insurers, you will not find sub-standard companies on our quote list.

Here’s why:

·         Financial strength – these days it is more important than ever before to make sure your insurance company/financial institution is financially stable.

·         Smaller companies can either go out of business or decide to no longer operate in a certain state (Lifewise in 2009 decided to no longer operate in AZ).  This can leave policyholders suddenly without coverage or forced to make a change they weren’t prepared for.

·         Smaller companies have a tendency to have wider rate fluctuations.  “Buying business” is a tactic smaller companies use to attract new policyholders only to raise rates substantially at renewal.

Insurance Carriers we work with:

Aetna
Assurant
Blue Cross Blue Shield of Arizona
Cigna
Golden Rule
Healthnet of Arizona
Humana
United Healthcare

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