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.

What can I do if I lose coverage?

Have a question?  Give us a call at (520) 721-4848If you don’t have health coverage and you are outside the open enrollment period, you may be able to take advantage of a Special Enrollment Period (SEP) for qualified health plans. Special enrollment periods are available only if you meet certain requirements. However, if you qualify for Medicaid or the Children’s Health Insurance Program (CHIP), you can enroll in those programs at any time of the year—you can begin an application by calling us at (520) 721-4848 and we will let you know whether you qualify and what you need to do to enroll.  Click here to download more on Special Enrollment Periods.


Lose Weight Fast, but Safely – From our Friends at United Healthcare


Penalty Steep for Employer Reimbursing of Individual Health Insurance Plans

In their May 19, 2014 article, EBC reported that the IRS had reiterated its position that its September 13, 2013 guidance prohibits an employer from paying for or reimbursing the cost of individual health insurance plans purchased by their employees on a pre-tax basis.

What is worth noting is that in addition to the guidance that such a practice fails to comply with the no annual limit on essential health benefits and preventive care without cost sharing provisions of the Affordable Care Act (ACA), the IRS took the time to specify the potential penalty for failing to comply; namely, that the employer is subject to a $100 per day per employee per provision penalty, which could be as much as $36,500 per year per employee per provision.

Clearly, the IRS is aware that some employers and brokers have continued to question whether the IRS’ September guidance applied to arrangements to solely reimburse or pay the premiums pre-tax for individual health insurance plans. Through the most recent guidance, the IRS made it clear that these arrangements do not comply with the ACA and subject the employer to severe potential penalties for continuing the arrangement.

For more information on this and other Employer issues, give us a call at (520) 721-4848.


Good News for Blue Cross Blue Shield of Arizona Customers

Blue Cross Blue Shield of Arizona

Today the Arizona Department of Insurance (DOI) announced that insurers may renew grandmothered plans – affecting members who purchased plans between March 24, 2010, and December 31, 2013, for up to two years.

We are very pleased to announce this decision.  It provides Blue Cross Blue Shield of Arizona customers choice, as well as peace of mind if they want to keep their existing plans, until the end of 2015.

Blue Cross Blue Shield of Arizona will extend grandmothered plans for at least one year and assess the impact for subsequent years. As always, we will provide updates as decisions are made.

If you are a Blue Cross Blue Shield non-group customer, you will continue to follow their standard renewal process. You can expect to receive a renewal notice and information about any changes to benefits or rates. Blue Cross Blue Shield of Arizona’s goal is to make sure you understand their options.

Blue Cross Blue Shield of Arizona issued the following media statement. (more…)


Can I Buy a Health Insurance Policy After the Annual Election Period?

BrainstormAs you know, open enrollment ended on March 31, 2014. However, individuals may still be able to apply for coverage before the next annual open enrollment if they, or someone in their family, has a qualifying life event.

Qualifying life events, which create a special enrollment period (SEP), are defined in federal law. Certain events may require certification from the Federally Facilitated Marketplace (the Exchange).

The following are some examples of common qualifying life events. This is not a complete list. There may be other events that apply.  Federal law determines whether an event is a “qualifying” event. (more…)