Pioneers in Good Service • Ronstadt Insurance • Tucson, AZ • 520-721-4848

Let us help you find the most affordable insurance in Arizona!

Ronstadt Insurance guarantees to help you find the most affordable health insurance in Arizona to fit your needs. We guarantee that whichever insurance you buy with our assistance, health, life, disability, dental, long term care or Medicare Supplement, will satisfy your needs at the best price possible.

Sole Proprietor Groups with No Common Law Employees Enrolled Must Move to an Individual Plans

Blue Cross Blue Shield of Arizona Dental plansBeginning in plan year 2015, Blue Cross Blue Shield of Arizona (BCBSAZ) will no longer be able to renew groups that do not have at least 1 enrolled common law employee when the business is wholly owned by an Individual or by the Individual and his or her spouse; in order for a Sole Proprietor group to renew their group health plan with BCBSAZ they must enroll at least 1 common law employee.

Prior to the group’s renewal the group will be asked the question listed below on their Group Size Questionnaire. If the answer to this question is “No”, BCBSAZ will not able to renew the small group health plan.

As of the start of your upcoming plan year, will you employ and enroll at least one common law employee?  Yes ______ or No _____.   

Please Note:  If you or you and your spouse are the only owners of the business and the only enrollees, do not count yourselves as employees for purposes of responding to this question.

If you have any questions, please contact us at (520) 721-4848


ATTENTION Health Net Ruby 1 & Jade members

Health Net of ArizonaIf your Medicare Advantage Plan or Medicare Part D plan is not renewing in 2015, you should have received a notice from your plan by October 2, 2014 stating this change, your rights and options for other health coverage.

One of your rights is a Special Election Period (SEP) to join a new Medicare Advantage Plan. The SEP began December 8, 2014 and closes February 28, 2014.  Your new coverage will become effective the first day of the following month.

Please contact us if you have questions and if you would like to enroll in a new plan for February 2015.   (520) 721-4848


2015 Medicare Solutions – Come out and see us at one of our Medicare Seminars

2015 Medicare Solutions Seminars Blue Cross Blue Shield of Arizona


Individual Medical Plan Can Incur Excise Tax

ThAlert !e Employers Council on Flexible Compensation (ECFC) recently reiterated and clarified the IRS stance on individual medical plans for employees:

Employers that pay for or reimburse the premiums of individual medical plans for its employees on a pre-tax basis are in violation of IRS regulation.  Any benefit administrator who claims otherwise is subjecting their clients to an excise tax of $100 a day per covered employee, or $36,500 a year. The ECFC issued this release so as to warn employers not to violate regulation, and to dissuade any benefit administrators from marketing any such arrangements that violate IRS regulation.

If you know anyone that is still reimbursing their employees’ individual medical plans on a pre-tax basis, notifying them about this penalty.  It could save them a great deal of trouble.  Or have them call us at (520) 721-4848 and we can help.


Health Net of Arizona Update: Termination of Northwest Medical Center and Oro Valley Hospital

health Net of ArizonaImpacting Arizona commercial plans (excluding CommunityCare plans) Effective September 1, 2014

As we continue to meet the challenges of our evolving health care industry, Health Net is committed to providing timely and relevant plan information affecting our members.

Health Net of Arizona, Inc. and Health Net Life Insurance Company (Health Net) have been in negotiations with Community Health Systems.  Unfortunately, we have been unable to reach an agreement, and therefore Northwest Medical Center and Oro Valley Hospital will terminate from our commercial line of business (excluding CommunityCare plans), effective September 1, 2014. This termination does not impact Medicare.

Click here to review the chart displaying the facility and alternative hospitals and facilities.

Impacted physician groups In addition, the termination also affects Northwest Allied Physicians and Northwest Cardiology (aka Desert Cardiology of Tucson) physician groups,  effective December 15, 2014. Impacted commercial members will be required to change from their current PCP, effective December 15, 2014. Members with specialists who only have admitting privileges to Northwest or Oro Valley Hospitals may also need to change their specialist. Impacted members will receive instructions on how to request consideration for continued care under the transition of care (TOC) benefit. PPO members may consider using their PPO out-of-network benefit; pre-certification may apply.

Health Net is committed to providing our members with access to quality medical care at a price that remains affordable. Our provider network continues to offer over 500 PCPs, 1,700 specialists and 5 other acute facilities in Pima county to serve the needs of our members and their employees.

Please go to and use our Provider Search tool.

If you have any questions in how this will impact you and your family, call us at (520) 721-4848.