Answers to common questions about our services and how we can help
We’re a team of independent insurance advisors who help individuals, families, and businesses find health and supplemental coverage that fits their needs and budget. Because we’re independent, we compare plans from a range of top carriers and give honest, unbiased recommendations, then guide you through enrollment and stay available year-round for questions, claims, and renewals.
No. Our guidance is completely free to you. We’re compensated by the insurance carriers when you enroll in a plan, so you pay the same premium whether you sign up on your own or work with us. You just get an expert in your corner at no extra cost.
We specialize in health insurance for individuals, families, the self-employed, and small-business groups, and we also help with dental, vision, life, and supplemental coverage. Whatever stage of life or business you’re in, we can build a package that works together.
Being independent means we don’t work for a single insurance company. Instead, we partner with many of the nation’s leading carriers, which lets us compare options side by side and recommend what’s genuinely best for you, not what one company needs to sell.
While we’re based in Arizona, we’re licensed to serve clients in multiple states across the country. If you’re shopping for coverage outside Arizona, reach out. There’s a good chance we can help, and we’ll let you know right away if we can’t.
The right plan depends on your budget, the doctors and prescriptions you want covered, and how often you use care. We’ll walk through your priorities, compare the options that fit, and explain the trade-offs in plain language so you can choose with confidence.
An HMO usually has lower premiums and coordinates your care through a primary care physician, with referrals needed to see specialists and little to no out-of-network coverage. A PPO offers more flexibility, letting you see specialists without a referral and use out-of-network providers, typically at a higher premium. We’ll help you weigh cost against flexibility.
Often, yes. Whether your doctor is covered depends on the plan’s provider network. Before you enroll, we’ll check that your preferred doctors and hospitals are in-network so there are no surprises.
Open enrollment is the annual window when you can enroll in or change a health plan without needing a qualifying event. For most individual coverage it runs in the fall, but dates vary by plan and state. Outside that window, a life event like a move, marriage, new baby, or loss of coverage can open a Special Enrollment Period, and we can confirm whether you qualify.
Absolutely. Self-employed individuals and freelancers have several options, from individual marketplace plans to private coverage, and you may qualify for subsidies that lower your premium. We’ll help you find a plan that fits an irregular income and may be tax-deductible.
Retiring before you’re eligible for Medicare at 65 leaves a coverage gap, but you have options, including individual health plans and COBRA. We’ll help you bridge the years until Medicare with coverage that protects your health and your savings.
In most cases you can offer a group health plan with as few as one eligible W-2 employee besides the owner. Requirements vary by carrier and state, so reach out and we’ll confirm what you qualify for.
Cost depends on factors like the number of employees, their ages, your location, and the level of coverage you choose, along with how much of the premium you contribute. We’ll build a few options at different price points so you can offer competitive benefits that fit your budget.
Yes. Beyond health coverage, we can help you add dental, vision, life, and supplemental benefits, a fuller package that helps you attract and keep great employees. We’ll tailor the mix to your team and budget.
For questions about becoming an independent insurance agent with PHX Insurance Advisors, please visit our Career FAQ page.
We’re happy to help. Reach out by email or schedule a call with one of our advisors.
