Phocus Health Benefits

Phocus Health Benefits Ray Abril- Local Independent Licensed Insurance Agent

Providing you with the knowledge & guidance to make the right decision for your health care options.

02/11/2026
11/26/2025

Happy Thanksgiving!

11/19/2025

Need Guidance? Let me be your trusted advocate to make sure you feel confident about your coverage. Please share with friends and family who may need assistance.

09/22/2025

Can you believe it’s that time of year again?

The Annual Notice of Change (ANOC) from your current health plan carrier will be arriving soon. This important document outlines updates to your plan for 2026—and it’s essential to review it carefully to ensure your coverage still meets your needs.

Here are a few key areas to pay close attention to:
• 💰 Monthly Premium
• 💊 Deductibles & Copays
• 🛡️ Maximum Out-of-Pocket Costs
• 💊 Drug Formulary Changes
• 🦷 Updates to Extra Benefits (Dental, Vision, Hearing, Over-the-Counter Credits)
• ⭐ Star Rating of Your Plan

You also want to confirm your Primary Care Providers and Specialist are in-network.

If you have questions or concerns, I'm here to help.

08/16/2025

Address

7600 N 16th Street, Ste 100
Phoenix, AZ
85020

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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