Best Medicare Supplement Plans in Arizona – F, G & N Benefits

Once you’re enrolled in Medicare Part A and Part B, you can then compare the best Medicare Supplement insurance plans in Arizona. Parts A and B are known as Original Medicare insurance and serve as your primary payment source. That insurance will leave you with gaps in coverage, including copayments, coinsurance, deductibles, and overage charges. Arizona Medicare Supplement plans are known as Medigap policies because they’re designed to pick up those gap expenses.

Many seniors sign up for Medicare Supplement plans in Arizona because they want to simplify their healthcare. If you don’t want to worry about paying out of pocket for a variety of small charges, then you may decide to enroll in an Arizona Medigap plan as well. Education and planning are key to securing the best Medicare Supplement insurance plan in Arizona at the most affordable rates.

Best Types of Medicare Supplement Plans in Arizona?

There are 10 Medicare Supplement insurance plans in Arizona. Some sources may say there are 11 because they’re counting the high-deductible option for Medigap Plan F. All Medigap plans in Arizona are standardized by the federal government. This means that each plan is represented by a letter and offers a regulated set of benefits. Each beneficiary selects the best plan for their needs and the insurance company must provide only the standardized coverage for each policy.

It’s important to compare rates online because premiums are the only way for a Medicare insurance company to compete when offering Medigap plans in Arizona. Here are some tips to make the comparison process easier:

Determining the best Medicare Supplement plan in Arizona is your first step. This is an individual decision that you must make for yourself. Consider how often you may see the doctor or specialists and what benefits you may need to remain well covered in the coming years.
Compare the benefits offered in each Arizona Medigap plan to your personal needs. The best Medicare Supplement insurance plans will cover not only your diagnosed medical conditions today but possible medical issues that you may face in the future. Thinking long-term may save you from switching plans later.
Use an online comparison tool to identify the insurance company offering the lowest rates in your area. You may prefer one company over another based on previous experience or reputation, but keep in mind that the rates are the only difference between plans designated with the same letter.
Insurance companies aren’t required to offer all 10 Medicare Supplement plans in Arizona. If you select a plan that isn’t offered or you can’t afford the premiums, you may need to select from the plans that are readily available at more affordable rates.
Some rural areas aren’t covered by many Medigap plans in Arizona. If you live outside of a major city, you may have fewer Medicare Supplement plans available.

Benefits of Medicare Supplement Plan F in Arizona:

Medicare beneficiaries who don’t mind paying higher premiums in exchange for better coverage often choose Medigap Plan F in Arizona. Of all of the Supplement health insurance plans, this one offers the most coverage.

All of the companies that offer Medicare plans must offer the same benefits. If you choose Plan F through one insurance company, you can count on getting the exact same coverage as you would if you chose Plan F through another company. The main benefits you can enjoy are listed here:

Part A hospital coinsurance
Hospital costs up to 365 days after benefits through Original Medicare are exhausted
Part A hospice care copays or coinsurance
Part A deductible
Part B deductible
Part B preventive office visit coinsurance
Part B coinsurance or copays
Excess charges for Medicare Part B
First three pints of blood needed for a medical procedure
Coinsurance for care in a skilled nursing facility
Limited foreign travel emergency care

Benefits of Medicare Supplement Plan G in Arizona:

Another plan that you can talk to an insurance agent about is Medigap Plan G in Arizona. You can greatly enhance your Medicare benefits with Plan G. In fact, the only plan that offers more coverage is Plan F, but the two plans are very similar. Monthly premiums for Plan G are more affordable, though.

Does NOT cover Medicare Part B deductible

Benefits of Medicare Supplement Plan N in Arizona:

Those who are looking for plan benefits that have more affordable monthly premiums should consider Medigap Plan N in Arizona. Plan N will help you enhance your Medicare coverage, but there is some cost-saving.

Does NOT cover Part B Deductible
Does NOT cover Excess Charges for Part B
Requires $20 copay for office visits
Requires $50 copay for emergency room visits

Medicare Supplement Plans in Arizona: When Can I Enroll?

You can apply for Medicare Supplement insurance plans in Arizona once you turn 65 and enroll in Original Medicare. You may also qualify due to a disability at a younger age. The best time to start comparing plans and rates online is before your 65th birthday. Give yourself time to see what plans are available in your area and to determine the best Medicare Supplement plan in Arizona for your unique medical needs.

You have several options when timing your application for an Arizona Medigap plan:

Initial Enrollment Period – The Medigap open enrollment period starts the first day of your birthday month in the year that you turn 65. This runs for a full six month period. During that time, you’re guaranteed enrollment in your choice of Medicare Supplement plans. The insurance company cannot consider your medical history, so you will receive the lowest rates during this period.
Special Enrollment Periods – If you don’t enroll in a Supplement plan during that initial period, you may later qualify for the same guaranteed issue benefits. You may qualify if you move out of the service area for your chosen Medigap plan or you had private insurance through an employer when you turned 65.
Apply Any Time – You can apply for a Supplement plan from one of the Medicare-approved insurance carriers at any time. The catch is that the insurance company will consider your medical history when determining the premiums offered. They also have the option to decline coverage.

In addition to signing up for a Supplement, you should sign up for Part D drug coverage. Unlike with Medicare Part C/Medicare Advantage plans (such as HMO or PPO plans through companies like Blue Cross Blue Shield), Medicare Part D drug coverage is not included with Supplement plans. Instead, you can sign up for one of the stand-alone prescription drug plans so that you will have prescription drug coverage.

Medicare Supplement Plans in Arizona: Enrollment Statistics

The five largest counties in Arizona are Maricopa County, Pima County, Pinal County, Yavapai County and Yuma County.
In 2018, close to 800,000 residents were enrolled in Original Medicare insurance in Arizona. When you also consider residents enrolled in Medicare Advantage and other special plans, there were approximately 1.3 million Arizona beneficiaries.
In 2015, approximately 250,000 people were enrolled in Medicare Supplement plans in Arizona.

Arizona Medicare Resources

Arizona Department of Insurance – updated lists of Medicare insurance companies in Arizona plus the state’s guide to Medigap
www.medicare.gov – The federal government’s official website for the Medicare program

You can also give us a call today, and you’ll have the chance to talk to one of our licensed insurance agents. Then, we’ll help you understand and compare plans. We’ll even help you get signed up!