product overview

Coverage that suits you. 

Insurance can be intimidating, but it doesn't have to be. We are here to thoughtfully and carefully review your options with you, helping to make sure you understand the coverage choices that are available to you and whether or not each of those is a good fit. The Avail Insurance Team is committed to ensuring that you are covered with an insurance policy that makes the most sense for your unique situation. 
We are always happy to help over the phone, via email, and of course in person for our local Arizona customers. 
 

Markets of Expertise

 

Medicare

The Medicare market can be complex and information can be hard to find. Our services will:

  • help to clarify the difference between Medicare Supplements and Advantage plans

  • assist you in qualifying for Medicaid/AHCCCS programs

  • thoroughly review Medicare rules and enrollment periods

  • assist you with qualification for extra-help prescription programs

 

dental and vision

While traditional health plans don't typically include robust coverage of dental and vision needs, we can assist you in finding coverage that suits your situation. We work with a variety of carriers that offer a wide spectrum of coverage levels and network options. 

Individual and Family plans

The market for individuals and families under 65 has changed dramatically over the recent years. We can:

  • help you to understand the Affordable Care Act

  • review your eligibility for an ACA subsidy

  • explore Health Share andShort Term alternatives

 

indemnity plans

Often, the co-pay structure of your Advantage plan still leaves you with a financial burden, especially in the event of a hospital stay or cancer treatment. Indemnity plans are designed to re-imburse you in the event such medical expenses are incurred. This is a great way to afford additional protection to yourself at a lower monthly premium than a Medicare Supplement.

life insurance

As the average lifespan increases and the life insurance market adapts to our changing needs, we can help to make sure that your financial future remains stable, helping you to maintain a lifestyle that suits your needs well into your retirement years. 

 

final expense

As our final years approach, one of the most common worries for our customers is leaving their families with the burden of burial expenses, medical bills, and unpaid debt. A final expense policy is a way to protect your loved ones, often with little to no underwriting.