Pioneers in 5 Star Service • Ronstadt Insurance • Tucson, AZ • 520-721-4848

Buying Individual Health Insurance between 2/1/2016 – 12/31/2016

If you are looking to change your existing policy or to buy a new one you have to have a Special Enrollment Period (SEP) between February 1, – December 31, 2016.

What is a Special Enrollment Period (SEP)?

1. Your personal circumstances change, including:
• Marriage
• Birth of a child
• Adoption or placement of child for adoption or foster care
• Gaining citizenship
• Moving residence outside your insurance plan’s service area
• Leaving incarceration

2. You experience an involuntary coverage change, which may include:
• Losing health coverage due to situations such as job-based coverage ending, aging off a parent’s plan at 26, losing coverage through divorce or similar events. However, voluntarily (more…)


Health Net Individual and Family PPO Insurance Update

healthnetHealth Net of Arizona will require proof of Arizona permanent residency and payment of first month’s premium prior to considering an Individual & Family Plan (IFP) PPO enrollment application. 
All IFP PPO applications are currently pended and will require the Proof of Permanent Residency form. This form has been filed with the Department of Insurance and is awaiting approval. As soon as we have approval, we will be reaching out to these applicants and will notify you once the form is implemented.
At this time, their online enrollment tool is only available for the quoting of plans and rates and not for enrollment in PPO policies. To enroll in Health Net PPO products, paper applications must be submitted. Call us at (520) 721-4848 for a paper application. 
A summary of Health Net residency requirements are as follows. 



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Health Insurance Open Enrollment 3.0 – Tips to solving your options

3.0November 1st was the first day of Health Insurance Open Enrollment for 2016.  The tax for not having a Qualifyed Health Plan (QHP) in 2016 has increased to 2.5% of your household income and a family of 4 can expect to pay up to 7.5% of their income for NOT buying a QHP.  Open enrollment ends December 15th for a January 1, 2016 start, but will continue to the end of January for a March 1st start.

Here are some healpful tips to navigate your options:

  • 1. If you are taking any kind of prescription medication, check to see if it is covered under the health plan’s formulary.