Benefits Arizona LLC​

Medicare, Life Insurance, & Supplemental Health benefits

Need help?  -  Please call:  (602) 971-5799

Short-term health insurance: 

Private Market - Fixed Benefit Health Plan 

SHORT TERM MEDICAL, ACCIDENT & SICKNESS FIXED BENEFIT AND SUPPLEMENTAL ACCIDENT AND CRITICAL ILLNESS PLANS PROVIDE LIMITED BENEFITS AND ARE NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENTS OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES. 

Short-term health insurance plans are designed to provide temporary coverage for a short period of time, like someone between jobs or while waiting for employer benefits to start. Recent changes have made one of our Short-term medical plan attractive to those needing up to 360 coverage days. While short-term plans are considered limited-benefit, limited-duration plans, their plan design is more similar to traditional health insurance plans with a broad umbrella of covered services. One of our Short-term plan allows for up to two (180-day) policies to be issued consecutively. Each policy requires a separate deductible and cost-sharing, however, new medical conditions that occur after the first short-term policy coverage effective date will be eligible for coverage until the end of the 2nd policy. Medical conditions that exist before the first policy start date are will not be covered. Due to plan design and coverage limitations of short-term coverage, recommend supplemental accident and critical illness coverage as a package.  Please call for quotes or CLICK HERE to do your own quotes and apply for coverage. 

Our fixed benefit plans are affordable, simple and allow the use of any doctor or hospital you choose. Enroll anytime of year!


Our goal is to offer healthy individuals high value, quality health coverage at affordable prices. Using our Fixed Benefit Health plan as a base, build a plan to include coverage for care received from doctors, hospitals, surgeons, urgent care, and emergency room. dividuals Because these limited benefit plans do not meet the coverage requirements of the Affordable Care Act (healthcare law), they are available at a lower cost.  


Advantages of Fixed Benefit Plans are:  

  • Plan pays a fixed, predetermined benefit amount for covered health care expenses.
  • Use plan providers for maximum savings or use any provider. No referrals required. YOU control your care.
  • Good coverage for hospital / surgical benefits, doctor's visits, urgent care and other outpatient medical expenses at an affordable rate. 
  • Add Coverage for Critical Illness and Accidental Injuries to enhance base plan benefits.
  • Optional dental coverage is available for low cost.  
  • By removing benefits like maternity and children's dental/vision, covered benefits are more affordable.   
  • A benefit package that may offer more value than regular health insurance plans. 
  • Telemedicine and prescription discount programs included. 
  • Large, national PPO provider network to receive insurance company pricing, maximizing coverage under this plan.  
  • The fixed benefit plan is guaranteed renewable so you won't have to sign-up for new coverage every year.
  • It is possible that a Fixed Benefit Plan may pay more or less than the allowed in-network charge, so after claims are paid, there could be money left over or additional amounts may be owed. 


You should know that Fixed Benefit Plans:   

  • Are NOT the same as comprehensive major medical insurance coverage.
  • Do  NOT provide coverage for all medical services that one might need. Pregnancy/maternity/existing medical needs are not covered.
  • Prescription coverage may be limited or excluded.     
  • Like any insurance plan, you may have to pay for non-covered services and medical costs above coverage limits.   
  • Applicants answer some basic health questions. Coverage will not be offered to every applicant. Certain occupations are ineligible. 
  • If accepted, a 12-month waiting period applies before existing (current) medical conditions can be covered.



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THIS IS NOT QUALIFYING HEALTH COVERAGE (“MINIMUM ESSENTIAL COVERAGE”) THAT SATISFIES THE HEALTH COVERAGE REQUIREMENT OF THE AFFORDABLE CARE ACT. IF YOU DON’T HAVE MINIMUM ESSENTIAL COVERAGE, YOU MAY OWE AN ADDITIONAL PAYMENT WITH YOUR TAXES.

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Losing health coverage? The plans below may be right for you. Please call for quotes.

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