Local help during 2021 Open Enrollment on Healthcare.gov from an experienced broker

CERTIFICATE OF RECOGNITION

This certificate is proudly presented to Tom Gray

In appreciation of your ongoing contribution and success during the 2020 Health Insurance Marketplace Open Enrollment.  Thanks to your hard work, you have increased access to health care and made a lasting positive impact on your community.

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Local help during 2020 Open Enrollment on Healthcare.gov from an experienced broker

Marketplace Service – 1-1-2019 Health Insurance Marketplace

CERTIFICATE OF RECOGNITION

This certificate is proudly presented to Tom Gray

In appreciation of your ongoing contribution and success during the 2019 Health Insurance Marketplace Open Enrollment.  Thanks to your hard work, you have increased access to health care and made a lasting positive impact on your community.

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Wage and Hour Division – Minimum Wages for Arizona Tipped Employees

Arizona requires employers to pay tipped employees a minimum cash wage above the minimum cash wage required under the federal Fair Labor Standards Act ($2.13/hour).

Arizona Minimum Cash Wage – $8.00
Arizona Maximum Tip Credit Against
Minimum Wage – $3.00
Arizona Basic Combined Cash & Tip
Minimum Wage Rate – $11.00

Division of Communications
Wage and Hour Division
U.S. Department of Labor

The Wage and Hour Division tries to ensure that the information on this page is accurate but individuals should consult the relevant state labor office for official information. This document was last revised January 1, 2019.

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2019 Arizona Minimum Wage and Earned Paid Sick Time

Effective January 1, 2019, through December 31, 2019 Arizona’s minimum wage will be $11.00 per hour.

Frequently asked questions (FAQS) about Minimum Wage
and Earned Paid Sick Time (REV. FEBRUARY 5, 2018)

Click on a link below to:

Download the AZ State Minimum Wage Poster 2019

Download the AZ Earned Paid Sick Time Poster 2019

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Get enrollment help on Healthcare.gov – 6th Year of Service

Marketplace Service – 1-1-2018 Health Insurance Marketplace

HC.gov_CircleofChampions2018_Badge
CERTIFICATE OF RECOGNITION

This certificate is proudly presented to Tom Gray

In appreciation of your ongoing contribution and success during the 2018 Health Insurance Marketplace Open Enrollment.  Thanks to your hard work, you have increased access to health care and made a lasting positive impact on your community.

Posted in Life / Health, Medical Insurance | Leave a comment

Participating in an Adventure Sport on your upcoming international trip?

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The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.  All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please note this is only a summary of Adventure Sports and exclusions.

Patriot Travel Medical Insurance®Patriot Travel

Short-term travel medical insurance for individuals and families. Provides coverage for individuals and families who need temporary medical insurance while traveling for business or pleasure anywhere outside of their home country.

Highlights:

  • Short-term travel medical coverage
  • Coverage for individuals and dependents
  • Two plan designs – one for people traveling outside their home country whose destination excludes the U.S. and one for those whose destination includes the U.S.
  • Maximum Limits Per Period of Coverage Options: $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (Patriot International only)
  • Deductible options from $0 to $2,500
  • Available in daily and monthly rates
  • Renewable up to 24 months
  • Freedom to seek treatment with hospital or doctor of your choice
  • Universal Rx pharmacy discount savings
  • 24 hour secure access from anywhere in the world to manage your account at any time

 

Patriot Platinum Travel Medical InsuranceSMPatriot Platinum

Short-term travel medical insurance for individuals and families. Provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical insurance product.

Highlights:

  • Short-term travel medical coverage
  • Coverage for individuals and dependents
  • Two plan designs – one for U.S. citizens and one for non-U.S. citizens traveling outside their home country
  • Maximum Limits from $1,000,000 to $8,000,000
  • Deductible options from $0 to $25,000
  • Available in monthly and daily rates
  • Renewable up to 36 months if one month is initially purchased
  • Access to Global Concierge & Assistance Services – extended services handled by a dedicated service team
  • Access to board-certified physicians, licensed psychologists, pharmacist, dentists, dieticians and trainers to assist you with any routine health related questions you have
  • Freedom to seek treatment with hospital or doctor of your choice
  • Universal Rx pharmacy discount savings
  • 12 month benefit period
  • 24 hour secure access from anywhere in the world to manage your account at any time

You have enough to worry about when you’re traveling.  Don’t let your medical coverage be an uncertainty.

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There are transitional periods in life that can leave you without medical coverage for a brief time

Tokio Marine HCC – MIS Group understands your need for peace of mind about health insurance coverage during uncertain times. STM Complete provides affordable temporary health insurance to protect you and your family.

Is STM Complete right for me? You should consider purchasing STM Complete if you are concerned about protecting yourself from the potentially high medical costs associated with an unexpected sickness or injury.

STM Complete is ideal for:  Recent college graduates • Individuals between jobs • Early retirees • Recently naturalized citizens • New hires

How STM Complete Works – Most eligible expenses are subject to deductible and coinsurance. After your chosen deductible is satisfied, STM Complete will begin paying according to the coinsurance you select and up to the coverage period maximum for all eligible medical expenses. Benefits are based on usual and customary charges of the geographical area in which charges are incurred.

With STM Complete you are in control. You have the freedom to receive treatment from doctors and hospitals of your choice without incurring out of network penalties. From quote to fulfillment, STM Complete makes it quick and easy to apply and get the medical coverage you need. STM Complete gives you peace of mind.

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Coverage Without Boundaries – Worry Less. Experience More.

worry-less-experience-more

Welcome to IMG

International Medical Group® (IMG®), an award-winning provider of global insurance benefits and assistance services for more than 25 years, enables its members to worry less and experience more by delivering the protection they need, backed by the support they deserve.

IMG offers a full line of international medical insurance products, as well as trip cancellation programs, stop loss insurance, medical management services and 24/7 emergency medical and travel assistance — all designed to provide members Global Peace of Mind® while they’re away from home.

Short-term travel medical insurance for individuals, families and groups from 5 days to 2 years.

Patriot Travel Medical Insurance brochure and application

 Quote/Purchase Patriot Travel Medical Insurance®

  • Most popular travel medical insurance plan
  • Coverage for the sudden recurrence of pre-existing conditions for U.S. citizens
  • Extensive range of deductibles and plan maximums
  • Medical expenses, evacuation, and repatriation benefits

Global Peace of Mind  – Wherever your travels take you, we’re there with you – delivering worldwide coverage, multilingual capabilities, international claims specialists, and 24-hour access to IMG.  That’s medical security.  That’s Global Peace of Mind.  That’s IMG.

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GlobeHopper® Senior – Individual & spouse short-term travel medical insurance for travelers age 65+

GlobeHopper® Senior addresses the insurance needs of U.S. citizens and U.S. permanent resident seniors who need temporary medical insurance while traveling outside the U.S. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $1,000,000.

GlobeHopper Senior Brochure

Quote/Purchase GlobeHopperSM Senior Single-Trip

Quote/Purchase GlobeHopperSM Senior Multi-Trip

Senior Single-Trip helps protect travelers who need travel medical insurance coverage from five days up to 12 months while on a single trip.

Senior Multi-Trip offers flexible protection to frequent travelers who prefer to purchase an annual plan to cover multiple trips throughout a 12-month period, with each trip covered up to 30 days maximum.

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Local Health Insurance Broker, Recognized as Nationwide Top Performer

Centers for Medicare & Medicaid Services (CMS) Office of Communications

Champions Circle Press Release – 12-1-2016 Health Insurance Marketplace

hc_gov_champions_circle_badgeCERTIFICATE OF RECOGNITION

This certificate is proudly presented to Tom Gray

In appreciation of your ongoing contribution and success during the 2017 Health Insurance Marketplace Open Enrollment.  Thanks to your hard work, you have increased access to health care and made a lasting positive impact on your community.

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