Most all Arizona health insurance plans severely limit you to which doctors and hospitals you can use. Lehrman Group represents a high quality health care sharing ministry plan that lets you see just about any medical provider anywhere in America. The plan is almost always less expensive than the ObamaCare Marketplace plans. This plan, while considered an ObamaCare plan, is not subject to ObamaCare Open Enrollment dates, so you could purchase one of these plans any time during the year. The plan uses America’s largest medical provider network, the PHCS Multiplan PPO network. The network provider search tool can be found at www.multiplan.com.

A downside to this plan is that the carrier won’t pay medical bills you incur WHEN INSIDE A HOSPITAL for a PRE-EXISTING condition until you’ve been on the plan for two years. However, they WILL pay for pre-existing conditions seen in a doctor’s office from day one of your plan. Another downside is that you don’t get maternity benefits until you’ve been on the plan for nine months. You also get free annual exams after you’ve been on the plan for nine months.

If you don’t have pre-existing conditions, or you have a pre-existing condition that won’t hospitalize you for two years, you may find one of these plans to be perfect for you — you’ll get access to the doctors and hospitals of your choice nationwide, and you may cut your monthly premium cost considerably. If you have high blood pressure or controlled diabetes, don’t let those conditions keep you from looking into this plan. The carrier offers three different plans.

Feel free to call us from anywhere in Arizona at (800) 600-9663, ext 11. These plans, while considered ObamaCare plans, are not subject to ObamaCare Open Enrollment dates, so you could purchase one of their plans any time during the year.