Press Release 2010-02 Refunds Available for Victims of American Trade Association Insurance Scam Consumers warned: Be on the lookout for phony health insurance!


Arizona Department of Insurance
100 North 15th Avenue, Suite 261

Phoenix, AZ  85007-2630

Starting July 1, 2020, we will be the
Department of Insurance and Financial Institutions (DIFI).

Media Contact: Erin Klug 

Public Information Officer 602.364.3471 or [email protected]

For Immediate Release August 3, 2010

Consumers who purchased a health benefit plan from an unlicensed health benefits company called American Trade Association, Inc. (ATA), or its affiliates (American Trade Association LLC, Smart Data Solutions, LLC or Serve America Assurance) have until August 31, 2010, to seek a refund on payments made for this unauthorized and possibly fictional “insurance” product.

The Tennessee Department of Commerce and Insurance is liquidating ATA’s assets and processing all claims. “Any Arizonans who purchased a so-called insurance policy from American Trade Association need to act immediately to request a recovery,” said Christina Urias, Arizona Insurance Director. ATA members who have unpaid medical bills, or who paid premiums may complete a proof of claim form to pursue recovery of their money. You can find information on how to file a claim at, or by calling (800) 591-6764, or by emailing [email protected].

“In today's economy and with recent enactment of healthcare reform, fraudulent insurance plans are on the rise. Consumers should be cautious when trying to cut down on their insurance costs,” said Urias. “Don’t risk unpaid medical bills. Before you make any insurance purchase, stop and call the Arizona Department of Insurance to confirm that you’re doing business with a licensed insurance company.”

Before purchasing a new policy, the best way consumers can protect themselves is to research the insurance company, as well as the agent any “association” selling the insurance. We urge consumers, employers and agents to verify that insurers are licensed and authorized to do business in Arizona. Call the Arizona Department of Insurance at 602-364-2499 or 800-325-2548 (outside Phoenix).


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Arizona's Surprise Bill Resolution Report for 2019

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Not all health care bills qualify for the surprise bill resolution process.  The Department's Suprise Out-of-network Billing Dispute Resolution website (, and especially the section entitled, "I got a surprise bill. Can I submit a request for arbitration?") lists conditions when a health care bill may not qualify under Arizona law for the dispute resolution process.  But for those that do, the enrollee will only be responsible for paying the enrollee's cost-sharing amounts (copay, coinsurance and deductible) if the enrollee provides information the Department needs, and participates in an informal settlement teleconference with the health care insurer and the health care provider.

Notice of Proposed Rulemaking - Corporate Governance Annual Disclosure Model Regulation In 2019, the Arizona Legislature adopted the NAIC Corporate Governance Annual Disclosure Model Act at Arizona Revised Statutes (“ARS”) by enacting the Corporate Governance Act at Title 20, Chapter 2, Article 16 (Laws 2019, 1st Reg. Sess., Ch. 180, § 1).   The Department of Insurance (“Department”) seeks to adopt the correlate Corporate Governance Annual Disclosure Model Regulation.  ARS § 20-492.02 allows the Department to adopt rules to carry out the Act upon notice and an opportunity to be heard.  The Legislature has exempted the Department from Title 41, Chapter 6 for one year after the effective date of the Act.  (Laws 2019, 1st Reg. Sess., Ch. 180, § 2.)
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