‘Arizona Medicare Supplemental Insurance offers assistance in helping people cover their medical costs by filling gaps in their original plans. These polices can help pay for premiums, deductibles, coinsurance and services not covered by basic Medicare. With so many activities to enjoy from golf to mountain recreation, seniors have many opportunities to live a full life in Arizona.
To protect seniors, all Medigap polices sold in Arizona are standardized. Beneficiaries wishing to add coverage to their parts A & B plans may choose to do so through a Medicare Supplemental Insurance plan in Arizona. These supplemental plans help fill in the gaps left by Medicare, these plans are nicknamed Medigap.
Coverage might include out-of-pocket cost such as deductibles, coinsurance and copayments. Hospice or additional hospital coverage might be added as well. Medicare Supplemental plans in Arizona are not independent and therefore may only be purchased in combination with Original Medicare Parts A & B. Those who wish to get stand-alone coverage other than Medicare might want to look into the Medicare Advantage program.
A person from age 65 may choose from a variety of Medicare supplement plans in Arizona, which are all classified by a letter. There are 10 standardized plans available in Arizona. Each plan offers the same benefits regardless of the private insurance company offering it. The most common plan is letter F. This plan is available in Arizona!
All of the same-lettered plans will offer similar benefits but the cost and out-of-pocket expenses will vary from company to company. However, we shop around and have great prices. Coverage does not generally include additional care such as vision, hearing, or dental, although additional benefits, like coverage while traveling outside the country, may be offered. Another thing to mention is if you want prescription drug coverage in Arizona, you have to get a separate plan.
It is advisable for beneficiaries to enroll in a Medicare Supplemental plan in Arizona during their six-month Medigap Open Enrollment period. This begins on the first day of the month that you turn 65 years old and enrolled in Medicare part B. During this period, companies are not allowed to deny coverage or charge high premiums to beneficiaries due to pre-existing medical conditions. After the open enrollment period, beneficiaries may also enroll in a Medigap plan, although protections for pre-existing medical conditions no longer apply.
Medicare Supplemental can be expensive for some people who can’t afford it. If a Medigap plan does not fit your budget, there is another way to get full coverage Medicare benefits. It’s called Medicare Advantage, The HMO or PPO plan for seniors. An Advantage plan protects you from the high cost of an illness or injury that requires hospitalization. Original Medicare and Arizona Medigap plans do not cover the cost of your prescriptions. For this you need Medicare Part D.
Basic benefits in Arizona
Hospitalization – Part A coinsurance plus coverage for 365 additional days after Medicare benefits end.
Medical Expense – Part B coinsurance (Generally 20% of Medicare approved expenses) or co-payments for hospital outpatient services. Plans K, L and N require insured to pay a portion of part B coinsurance or co-payments.
Blood – First three pints of blood each year.
Hospice – Part A coinsurance.
Learn more about Arizona Medicare Supplemental Insurance Plans , rates and more www.emedicare-supplemental-insurance.com/arizona-medicare-supplement-plans. Our Arizona brokers will help you compare supplemental plans and answer any questions you might have. 877-202-9248