Blue Cross Blue Shield of Arizona,
Blue Cross Blue Shield of Arizona,
www.arizonaplans.com
APPLICATION
CENTER
Click below to download applications and forms for all major Arizona health insurance carriers including Blue Cross Blue Shield of Arizona, Life Wise, Health Net and Pacificare. You will need acrobat reader...it's free. These are large files so please wait a few minutes for the file to appear.
APPLICATIONS
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Click below for full form download listing
Arizona health applications
APPLY
ONLINE
cuts processing time in half
Blue Cross® Blue Shield® of Arizona
Health Net of Arizona
LifeWise of Arizona
Humana of Arizona
Golden Rule of Arizona
WHY
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TO EXPEDITE PROCESSING
We just need the completed health application and first payment by check or credit card (when available) to start the process. You can expedite processing by faxing copies of this information to us at 866/394.8320. Make sure to give yourself enough time to go through the process for your ideal effective date. Questions on enrollment here
WHERE TO SEND APPLICATIONS
Walter Jarvis Insurance Services
PO Box 32268
Los Angeles, Ca 90032
Arizona License - 178890
Nationwide: 866/344.8061
Fax#: 866/394.8320
E-mail:help@ARIZONAPLANS.COM
ARIZONAPLANS.COM provides rates, applications, and information to better help Arizonians understand their health insurance options. Walter Jarvis Insurance Services, the registered owner of the web site, does not recommend, endorse or provide advice on which insurer to select or which products to buy.
Do not cancel any existing health insurance until you receive written confirmation from the insurance company to which you are applying
Enrolling in a Individual Family Health Plan
1. What is needed to start the process
2. How long does it take
3. Do I submit payment with the application
4. Is there a fee to apply
5. Do I need a physical
6. How can I expedite this
7. Am I locked in for a period of time
8. How is payment handled
9. Can I change my plan later
10. Why should I go with you
What is needed to start the process
We basically need the completed health insurance application (download here or have a hard copy sent to you), and the first payment to the carriers for at least one month's worth of premium (with the exception of LifeWise, which has no premium requirement; Blue Cross has a $20 application fee, as does Health Net for paper applications) . If there are medical records needed, the carrier will send them to you and request that you secure the information from the doctor. The application process can be expedited by faxing (866/394.8320) us a copy of the app and check, and then sending the original in the mail to:
Walter Jarvis Insurance Services
PO Box 32268
Los Angeles, Ca 90032
Blue Cross Blue Shield of Arizona, Health Net of Arizona and LifeWise of Arizona have an online application and credit card option as well. More information on applying for health insurance. back to top
How long does it take ?
There are two different scenarios. If the applicant is in good health and there isn't much the carrier wants to check into, we usually hear back in one to three weeks. If the volume of applications is running high in underwriting, the time frame can be longer. If the carrier wants further information on something listed in the application, they will request records and this can delay the processing time. It usually adds another 2-4 weeks depending on how quickly the doctor responds back to the request. back to top
Do I submit payment with the application ?
The first month's premium must be submitted with the application (with the exception of LifeWise) . This can be done with a check made out to the carrier or via credit card (for Blue Cross Blue Shield of Arizona, Golden Rule, CIGNA of Arizona, Humana or Health Net of Arizona). If the application is not approved, this initial payment will be fully refunded. back to top
Is there a fee to apply ?
Blue Cross Blue Shield charges a $20 non-refundable application fee.
Is a physical required ?
A physical is not required...only the completed application and first months premium. Some carriers require a physical for applicants over the age of 55 who have not had one in the last two years. back to top
How can I expedite the processing ?
Blue Cross Blue Shield , Health Net, Golden Rule, Humana, and LifeWise have an online application which tends to process very quickly. Otherwise, you can fax your completed application and copy of check (or the completed credit card section) to 866/394.8320 to start the process immediately. You would then mail the original if paying by check. The credit card option just requires the faxed copy. back to top
Am I locked in for a period of time ?
No. The policy can be cancelled or renewed (by payment) month to month.
back to top
How is payment handled ?
There are a few options for payment with the carriers .
Billing -
Blue Cross Blue Shield bills monthly electronic bank draft; or monthly or quarterly paper bill
Health Net of Arizona bills monthly either by bank draft, credit card charge or paper bill
Golden Rule bills either a monthly bank draft or a quarterly paper bill.
LifeWise has either a monthly bank draft or a quarterly direct bill.
We concentrate on health insurance for Arizona
Consumers: Individual Health Insurance Underwriting/AB 356
Individual Arizona health insurance is insurance you buy on your own, rather than having it provided by your employer. Please examine your options carefully before declining group coverage or continuation coverage, such as COBRA, that may be available to you. You should be aware that companies selling individual health insurance in Arizona typically require a review of your medical history that could result in a higher premium or you could be denied coverage entirely.
If you are in the market for Arizona individual health insurance, most insurance companies have online tools to help you find out how much individual health insurance will cost. If you have a chronic illness or other health condition, it can be hard to buy individual health insurance. If you have applied for individual health insurance and been denied, the information below may help you determine why you may have been denied and if that denial was appropriate.
Underwriting
When you apply for individual health insurance, the health insurance company uses a process called underwriting to look at your age, sex, and health history to decide whether it will cover you and how much it will cost to provide you coverage.
Do all health insurance companies have the same underwriting guidelines for offering insurance?
No. Each insurance company has its own underwriting guidelines, which are usually not made public. However, insurance companies marketing and selling individual health insurance policies in Arizona must file information with the Department of Insurance pertaining to their policies, procedures and underwriting guidelines for offering such insurance . We have summarized the information that companies have filed in the questions and answers and chart below.
Health conditions that would automatically not be approved;
Health conditions that may not be approved;
Height and weight standards;
Health history, health care service utilization, and lifestyle or behavior that may cause the insurance company to deny insurance, limit the products they offer, or charge more for the coverage.
What health conditions will cause a health insurance company to automatically refuse or deny my application for insurance?
There are many medical conditions that may cause an insurance company to automatically deny or not approve your application. These may include the following:
Health problems for which you have not seen a doctor;
Health problems that a doctor cannot explain;
Health problems for which you have not completed treatment.
An insurance company may also automatically deny your application for the health conditions below. There may be other health conditions that are not on this list.
AIDS;
Pregnancy, pregnancy of your spouse or significant other, planned surrogacy or adoption in process;
Cancer, under treatment;
Sleep Apnea;
Severe mental disorders, such as major depression, bipolar disorder, schizophrenia or psychopathic personalities;
Heart disease;
Renal failure or Kidney Dialysis;
Diabetes with complications;
Cirrhosis;
Multiple Sclerosis;
Muscular Dystrophy;
Systemic Lupus Erythematous;
History of transplant;
Lymphedema;
Current infertility treatment;
Hepatitis;
Hemochromatosis.
What will cause an insurance company to offer me insurance at a higher premium rate or limit the products or benefits I can get?
Insurance companies may offer you insurance at a higher premium and/or limit the products or benefits you can purchase if you had a health problem in the past but you have recovered or you have been without symptoms for some time. Insurance companies will also do this for minor health problems that you had in the past or may currently have. Insurance companies argue that these conditions pose a risk that it will cost more for your health claims than if you were completely healthy. Each application and insurance company is different. An insurance company may charge a higher premium or limit the products offered for the health conditions below. There may be other health conditions and time frames that are not on this list.
Stroke, after 10 years with no reoccurring problems;
Allergies, while testing is in process;
Ear infections, controlled with medications;
Lyme’s disease, without symptoms after one year;
Breast Implants (non-silicone);
Ringworm;
Joint sprain or strain, recovered and no restrictions;
Migraine headache, mild and infrequent with no emergency room visits;
Mild depression.
Will a health insurance company look at my height and weight when I apply for insurance?
Yes. Insurance companies usually look at your height and weight when they decide to offer insurance. They may offer you insurance at a higher premium rate or refuse to insure you if you are overweight or obese. Some insurance companies use a measurement called the Body Mass Index (BMI) to decide. If your BMI is above 39, most insurance companies will not offer you insurance. If your BMI is 30-39, an insurance company may offer you insurance at a higher premium. If you have health problems because of your weight, such as diabetes or heart disease, an insurance company may refuse to insure you, even if your BMI is under 30.
Can a Arizona health insurance company look at my smoking and drinking history when I apply for insurance?
Yes. Insurance companies may look at smoking and drinking history when they decide whether to offer insurance.
Copyright 2006 by Walter Jarvis Insurance Services, Authorized Agents All Rights Reserved
