Arizona Health Insurance
Consumer Rights under AZ State Law
Arizona Policy Restrictions
Arizona insurance policies are required to automatically
cover all newborns and adopted children for 31 days, if
the policy already covers dependents. It is important
to know that the insured is responsible for adjusting
the insurance policy to continue coverage of the dependant.
Arizona insurance policies are guaranteed renewable.
No insurance company can deny a renewal request if the
individual has not violated specified contract terms.
Arizona Insurance Company Restrictions
Insurance companies in Arizona do no have policies that
are set by the state. This means they can tailor their
policies how they want. Insurance companies can choose
to cover or not cover certain pre-existing medical conditions.
This is called Elimination riders, and can be added to
any policy. They can also set higher premiums based on
current and past health conditions and age.
Arizona does not require an insurance company to cover
all pre-existing conditions. The insurance company can
permanently exclude pre-existing conditions. Arizona insurance
companies also have the choice to have a grace period
before they pay for pre-existing conditions.
Another option is that they can offer coverage of pre-existing
conditions for a higher premium.
Arizona Health insurance companies do offer temporary
health insurance policies. This coverage is not guaranteed
renewable.
Always check with your
health insurance company on latest policies. These types
of policies rarely ever change (but can), and they are
very similar from state to state. So, we have tried to
highlight the differences, where applicable.
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