Imperial Health Individual & Family Health Insurance in AZ Explained

• Imperial Health is a health insurance plan provider offered on the federal Affordable Care Act (ACA) marketplace for Arizonans. Open enrollment is between November 1 and January 15 of each year, but certain qualifying experiences may trigger a special enrollment period. These include events such as moving, having a baby, or getting divorced.
• Imperial Health plans are health maintenance organization (HMO) plans. These plans typically require that the plan holder secure a primary care physician (PCP), who will then make referrals to specialists.
• Some of the unique benefits of Imperial Health plans are the Member Quality Rewards Program, which offers cash rewards for completing health actions like getting annual physicals and vaccines, and a pregnancy program for expectant mothers.

What Is Imperial Health Insurance?

Imperial Health offers health maintenance organization (HMO) individual and family health insurance plans that are available for Arizona residents living in the following counties: Gila, Maricopa, Pima, Pinal, Santa Cruz, Yavapai and Yuma. Plans are available on the ACA marketplace in bronze, silver and gold tiers, with characteristics including the following.

• Bronze Imperial Health plans: Good value, lowest monthly premiums, highest copayments; ideal for individuals and families who want to pay less per month, but more per doctor visit
• Silver Imperial Health plans: Best value, lower monthly premiums and lower copayments; ideal for individuals and families who want low monthly premiums and copayment costs
• Gold Imperial Health plans: Better value, higher monthly premiums, moderate copayments; ideal for higher income for individuals and families who are able to budget for moderate monthly premiums and copayments, and who visit doctors frequently

Within each of these metal tiers, there’s a variety of plans to choose from. Like all ACA plans, Imperial Health plans meet ACA standards and include the following essential health benefits.

• Behavioral health and substance abuse services
• Lab and radiology testing
• Maternity and newborn care
• Out of area emergency room coverage
• Pediatric dental care
• Pediatric vision care
• Physical medicine and rehabilitation
• Prescription drug coverage
• Primary care and specialist visits
• Urgent care

Imperial Health offers options for pediatric vision care through VSP and for pediatric dental care through Delta Dental. 

Because the cost of not having insurance is so high, Imperial Health is a great option to consider if you and/or your family is currently lacking health insurance. With ACA marketplace coverage from Imperial Health, you’re protected in case of life events like pregnancy or urgent care. 

Benefits of Imperial Health Plans

In addition to the standard ACA health plan coverage Imperial Health offers, there are some other plan benefits that members may take advantage of. These include:

• 24-hour nurse advice line: Imperial Health members can call with health questions any time.
• Personal care management: For those with chronic medical conditions, such as asthma, diabetes or high blood pressure, Imperial Health plans can be customized to ensure members receive the comprehensive care they need.
• Pregnancy program: Imperial Health has a pregnancy program specifically to help expectant mothers and their families who are supporting them.
• Dedicated customer support: Imperial Health members can get reliable customer support, including in other languages, such as Spanish. 

Another benefit of Imperial Health is that you can earn rewards through the Member Quality Rewards Program. When you complete your annual health screenings and vaccinations, adults on a plan can earn up to $100 in rewards, and children can earn up to $90 in rewards. You can get rewarded simply for taking proactive care of your and your family’s health.

Considerations for Imperial Health Plans

Imperial Health plans can provide a cost-friendly option for individuals and families who want to get coverage through the ACA Marketplace. Besides the pros, some factors to consider include:

• Imperial Health plans are limited to HMO options. If you’re looking for a preferred provider organization (PPO) plan, there are other offerings for those on the ACA marketplace.
• Because Imperial Health plans are HMO plans, you’ll have to see a PCP before you can see a specialist. This may limit your provider options. If you have a preferred provider who’s not covered under Imperial Health, you’ll want to look for a different plan provider.
• Imperial Health’s coverage is more limited, compared to other plans. The ACA marketplace plans are only currently offered in four states (the others are Nevada, Utah and Texas) and only in seven Arizona counties. For snowbirds or those who travel frequently outside of Arizona, you may want a different individual or family health insurance option. 

The good news is, the ACA marketplace experts at AZ Health Insurance Brokers can steer you towards the right choice, at no cost to you. Fill out this form to connect with our ACA insurance team now.

How to Get Individual & Family Insurance Coverage Through Imperial Health

If you’re curious about Imperial Health and other ACA marketplace plans for yourself or your family, the ACA experts at AZ Health Insurance Brokers can help. We’ll walk you through your best options based on your budget and the unique healthcare needs of yourself and your family. 

Contact us online, call us at 602.617.4107 or email quotes@azhealthinsurance.com. If you’re interested in private health insurance options, fill out this form, and we’ll be in touch.

Imperial Health Individual & Family Insurance FAQs