Does your Arizona health insurance policy have a maximum lifetime benefit level of ONLY one million dollars?

If so, you could be in for a rude shock. In today's high-tech medical industry, you could spend a million dollars in just three weeks. See this story, published in Phoenix's East Valley Tribune, by clicking here: Low Health Insurance Caps Strand Patients. Here are a few excerpts from that story:
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1. Kelly and Tom used to think the $1 million individual cap that came with the insurance they had for seven years offered plenty of protection.

Then doctors diagnosed their teenage son, Michael, with an aggressive form of leukemia in May 2007. His treatment called for 10 doses of a chemotherapy drug that cost $10,000 per dose. A 56-day stay in an intensive care unit cost about $400,000.

Michael reached his $1 million lifetime maximum in less than a year.

2. Mary thought her toddler was struggling with an ear infection when she seemed sluggish. Instead, a virus had attacked the little girl’s heart, damaging it beyond repair. Brea needed a transplant.

Within three weeks of a 2007 doctor visit, the 20-month-old had exhausted the $1 million lifetime maximum on her health insurance. Her parents have scrambled ever since for ways to cover thousands of dollars in monthly medical costs.
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If your health insurance policy has a maximum lifetime benefit limit of just $1,000,000, it's definitely time for you to think about increasing that benefit, before it's too late.

Could YOU be losing your doctor?

Some primary-care doctors here in Arizona are changing the way they run their medical practices. Seems there's a new way of doing business for these doctors, and it's called "concierge medicine." Some doctors are no longer going to accept your health insurance, or YOU as one of their patients, unless you pay them a fee each year in order to access the doctor's time. There is already a doctor in Tucson that is charging an annual fee of $6,000 if you want him to be your doctor! (Does that mean his fee is $12,000 per year for you and your wife, and $24,000 for you, your wife, and two children!?!) If this trend continues, we're all in for a bit of a shock. Here is a link that will take you to a story that ran in the Phoenix newspaper, the Arizona Republic, on July 23, 2008: Growing number of primary-care doctors adopt concierge medicine.

Avoid buying phony health insurance!

The Arizona Department of Insurance has produced an insurance publication called Ways To Avoid Being A Victim of Phony Insurance and they have made it available for download. Don't be a victim. Be sure you deal with a reputable health insurance broker. Make sure the broker is licensed by the Arizona Department of Insurance, too. You can check on Arizona licensees here.

View Lehrman Group's Arizona Health Insurance Commercials

You can see Lehrman Group's "Arizona Individual and Family Market" health insurance commercial by clicking this link: Lehrman Group's Arizona health insurance commercial for individuals.

Lehrman Group's "Arizona Small Group Market" health insurance commercial may be viewed by clicking the following link: Lehrman Group's Arizona health insurance commercial for employers.