How Do Dental Insurance Waiting Periods Work?

Posted on October 6, 2026

A dental insurance waiting period is the amount of time you must wait after your policy begins before it will pay for certain services. Your coverage may be active immediately, but benefits for fillings, crowns, or other treatments might not become available for several months. Waiting periods vary by...

Do Medicare Plans Vary by Location?

Posted on October 1, 2026

Yes. Original Medicare is a federal program with coverage that is generally consistent nationwide, but Medicare Advantage and Part D plans are offered within defined geographic service areas. Your address can affect the plans available to you, along with their provider networks, costs, prescription coverage, and additional benefits. This...

Roses Insurance Group Launches Monthly Birthday Giveaway for Clients

Posted on September 11, 2026

New client appreciation program awards a $250 gift card to one winner each month. Roses Insurance Group has introduced a monthly birthday giveaway to celebrate its clients throughout the year. Clients are automatically entered during their birthday month, and one winner will receive a $250 gift card. No forms...

How to Get Health Insurance if You’re Self-Employed

Posted on July 23, 2026

If you're self-employed, you can get health insurance through the Health Insurance Marketplace, a spouse's employer-sponsored plan, private insurance carriers, or certain professional associations. Many self-employed individuals in Arizona also qualify for premium tax credits that can significantly reduce monthly costs. Running your own business gives you flexibility, but...

What’s the Average Cost of Medicare Advantage in Arizona?

Posted on July 16, 2026

The average Medicare Advantage premium in Arizona is approximately $4.82 per month in 2026, and many plans are available with $0 monthly premiums. Beneficiaries must still pay their Medicare Part B premium, and total costs vary based on deductibles, copayments, provider networks, and the benefits included in a plan.

Turning 65 and Still Working: Should You Delay Medicare?

Posted on June 8, 2026

The Medicare enrollment process and the decision of when to enroll can be confusing. If you’re preparing to turn 65 and still working, you may already have health insurance coverage through your employer. Will signing up for Medicare now save you money, or will it add to your costs? And how does...

What to Bring to a Medicare Planning Appointment

Posted on June 2, 2026

Scheduling a Medicare planning appointment with an insurance advisor is a smart step as you move forward with the process of deciding whether to enroll or adjust your plan. However, it’s important to prepare for this meeting ahead of time. Bring the information you have to help your advisor understand your healthcare...

Special Enrollment Periods Explained: When You Can Change Plans

Posted on May 4, 2026

Health insurance doesn’t always line up neatly with the ebbs and flows of your life. You might change jobs, move to a new location, get married or divorced, or welcome a new family member at any time of the year, not just during Open Enrollment. Fortunately, you don’t necessarily...

Questions You Should Ask Before Choosing a Medicare Plan

Posted on May 1, 2026

Choosing a Medicare plan can feel overwhelming. You have several options, each with its own confusing terms and costs to consider. If you rush the process, you may overlook critical details and wind up with coverage that doesn’t meet your needs. Asking yourself the right questions during the selection...

How to Choose the Right Medicare Plan Based on Your Doctors and Prescriptions

Posted on April 21, 2026

The process of choosing a Medicare plan can feel overwhelming. You know you want to keep seeing the doctors you trust and taking the prescriptions you rely on, but is there a plan that allows you to do both? Before you enroll in coverage, it can help to review how different Medicare...

What Medicare Does Not Cover (And How to Fill the Gaps)

Posted on April 6, 2026

Many people preparing to enroll in Medicare go in assuming it will cover most of their health care needs. While the program does provide broad coverage, it doesn’t pay for every service or expense, including some key services people often need as they age. As a result, gaps in coverage can lead...

Understanding Medicare Part D

Posted on March 26, 2026

Retirees and certain individuals receiving Social Security Disability Insurance benefits may qualify for Medicare, including Part D coverage. Here’s what you need to know about what Medicare Part D covers and how much it costs, so that you can better budget for your healthcare expenses. What Is Medicare...