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Best Medicare Plans in Arizona

You are on this page because you are about to turn 65, and you need to learn about Medicare in Arizona. The best plan is to get started on the right foot early because if you don’t, Medicare in Arizona may charge you several late penalties. Medicare Part A gives you insurance for any hospitalizations that you may need, and Medicare Part B provides you with your health insurance coverage. To make sure that you receive both Medicare Part A and Medicare Part B, you must enroll during the initial enrollment period.

When you sign up for Medicare, you will have to pay a Part B premium. You can also sign up for Medicare Advantage or Medicare Supplement insurance. Many of these insurance plans have monthly premiums, although this is not the case with some Medicare Advantage plans. Even if you have to pay a monthly fee for an Advantage plan or Supplementary Medicare program, you can save a lot of money when seeing your health care providers.

Enrollment Statistics for Medicare in Arizona

If you decide to enroll in one of the best Medicare plans in Arizona, you will be in very good company. Last year, 780,630 people enrolled in Original Medicare Part A and Part B.

Best Types of Medicare Plans in Arizona

Arizona beneficiaries have several ways in which they can obtain their Arizona Medicare benefits, and they are listed below:

  • Medicare Supplement Plans in Arizona: Original Medicare insurance pays the majority of the bills for covered services, but it leaves approximately 20 percent for you to pay. This is known as a “gap” in your coverage, but there is a way for Arizona beneficiaries to fill this gap. Medicare supplement plans also go by the name of “Medigap plans” because they are the policies sold by a private insurance company that pays some of the costs that Original Medicare leaves for you.
  • Medicare Advantage Plans in Arizona: You may also choose to receive your Arizona Medicare benefits through Medicare Advantage. Companies that offer Medicare Advantage must sign a contract renewal with Medicare each year to offer these benefits. Medicare Advantage Plans offer you all of the benefits that you receive from your Original Medicare insurance, but these plans may offer you extra coverage. For example, Medicare in Arizona does not pay the costs of your vision, hearing, dental, and health and wellness visits, but you may be able to qualify for a plan with Medicare Advantage that does. Sometimes, Medicare Advantage is referred to as “Medicare Part C.” There are private fee-for-service (PFFS) plans, health maintenance organization (HMO) plans, preferred provider organization (PPO) plans and other plan options for you to choose from, depending on your service area and individual needs.
  • Medicare Prescription Drug Plans: Original Medicare insurance also offers beneficiaries in Arizona prescription drug coverage. These plans are also called “Medicare Part D” plans. If you plan to purchase a plan through Medicare Advantage, you may be able to choose one that offers prescription drug coverage. If you are going to accept a plan under Medicare Part D, you must be prepared to enroll during the initial enrollment period or else you will have to pay the Medicare Part D late enrollment penalty.
  • Special Needs Plans (SNP): Special Needs plans are HMOs or PPOs that limit membership to beneficiaries in Arizona with qualifying medical conditions or characteristics. These plans are created to allow you to see the providers that you need to see for your particular medical condition. They also approve the drug formularies that provide you with the prescription drugs that you need to treat your medical conditions.

Comapring the best Medicare Insurance in Arizona

If you believe that it is in your best interests to obtain your benefits from one of the supplemental Medicare plans in Arizona, you will need to purchase it from a private insurance company. Keep in mind that the best plan is the one that provides you with the most coverage for the lowest price. You can find the company that fits this description easily when you compare rates from several companies.

When you compare the rates that you receive from insurance companies that have a contract with Medicare, you will want to pay particular attention to the following:

  • Deductibles
  • Premiums
  • Copayments
  • Coinsurance

Remember that Medicare plans in Arizona cannot place two beneficiaries on one Medigap policy. If you and your spouse both need Arizona Medicare insurance that supplements Original Medicare, you will need to apply for separate plans.

If you would rather receive your benefits through Medicare Advantage, you will need to purchase a plan through a Medicare-approved insurance company as well. The beneficiary will be able to seek a plan in the same way that you would search for a Medigap plan.

Arizona Medicare Resources

If you’d like to learn more about Medicare in Arizona, if you need a complete description of benefits that you can enjoy after signing up or if you’re ready to sign up, all of these resources can help you out:

Arizona Medicare Insurance

www.medicare.gov

CMS: Centers for Medicare and Medicaid Services

State Health Insurance Assistance Program

Once you become one of the Medicare beneficiaries in your state, it’s time to start looking for health plans. After all, you might find that Medicare coverage alone is not enough. 

With a stand-alone Advantage or Supplemental policy, you can make sure you have the best healthcare benefits and can save money, too. One of our licensed insurance agents can go over your options and tell you about insurance companies with top star ratings, so give us a call today for help!

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