AZ Insurance Planners

Insurance/Health/Medicare

AZ Insurance Planners are industry experts in Medical and Dental Insurance for individuals and Medicare experts for Medicare Supplements, Medicare Advantages and Medicare prescription coverage.

Karen Ratcliff is the founder and independent insurance agent of AZ Insurance Planners. She has more than 25 years experience in the insurance industry.

Our goal is to listen to your concerns and needs, to then work to find the insurance coverage that best fits those needs. Next we monitor your application through the underwriting process toward approval. We pride ourselves in making the enrollment process easy for you.

As a Certified Senior Advisor, Karen brings an extra level of expertise to her Senior clients.

Services

  • Temporary Health Insurance
  • Individual Health Insurance
  • Medicare Supplements (Medigap)
  • Medicare Advantages (HMO, PPO, PFFS)
  • Medicare Part D (Prescription Coverage)
  • Dental Insurance
  • Coverage for the Uninsured
  • Travel Insurance
  • Long Term Care Insurance
  • Life Insurance

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