Healthcare Group of AZ

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Health Coverage in Arizona
5.4 M Population 2.6 M Commercial 1.0 M
Medicaid 0.7 M Medicare 1.0 M Uninsured
Excludes CHAMPUS/TRI-CARE
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Top Challenges for Small Business

• Finding quality, qualified employees
• Government regulations
• Meeting customer needs (customer service)
• Maintaining adequate cash flow (loans)
• Retaining customers
• Retaining employees
• Competition profitability / Taxes
• Offering competitive benefits

Source West Group Research, 2000
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Locating Available Resources
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Private Sector Options

• Discount Cards Hospital, Doctor, Rx, etc.
• FREE or Sliding Scale Health Centers
• Medical Reimbursement Plan / Health Reimbursement
  Arrangements (HRA)
• Generally, a self-insured plan with covered
  services and annual budget determined by employer
• Fixed Benefit or Cash Payment Plans
• Health Care Reimbursement Accounts

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Private Sector Options (Cont)

• Traditional Health Plans
• - HMOs, EPOs, PPOs, POS,
• Indemnity/Major Medical/Comprehensive MM
• High Deductible (Consumer Driven) Health Plans
  Health Savings Accounts (HSAs)
• Health Care Group of Arizona

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www.hcgaz.com
Healthcare Group Mission Reduce the number of
uninsured Arizonans by providing innovative
affordable healthcare coverage options to small
businesses and political subdivisions ensuring
access to quality healthcare so that working
Arizonans can maintain healthy lifestyles.
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HCG Fast Facts

• Created 1985 by Arizona State Legislature (RWJ
  Foundation support)
• Healthcare coverage program for small businesses
  and public servants (e.g. teachers, firefighters)
  political subdivisions
• Premium-based (not entitlement program)
• Guaranteed-issue and community-rated
• Pre-existing conditions do not count against
  eligibility or increase a groups monthly premiums

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Healthstyles Provider Networks
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PPO Provider Network
Arizona Foundation for Medical Care
PPO
A statewide network with 10,000 providers in
Arizona Offers a national wraparound network
through the NPPN Visit them online at
www.azfmc.com