Knight Insurance has partnered with highly specialized life and health insurance agents that offer coverage from many of the leaders in the life and health insurance industry, listed below are just a few:
Feel free to contact us directly with any questions you may have at (602)715-0333.
Life Insurance
Life insurance provides a financial resource for your loved ones in the event of your death. Life insurance is a complex tool that is designed to provide an amount of cash for your family or others when you can no longer provide for them. When choosing the type of life insurance to purchase, you are faced with a number of decisions. It is important to ensure that the protection you purchase will fulfill your needs and objectives. The right policy must be adapted to your individual circumstances.
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Health Insurance
What are the major types of health insurance policies in Arizona?
There are basically three major types of health insurance policies for Arizona residents to choose from–consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.
Consumer-directed
A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.
Fee for Service
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.
Managed Care
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.
