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How-to find the Best Medicare Plan in Maricopa County, AZ. Top 5 Medicare Advantage Plans in Maricopa County, AZ.
Seniors in Arizona reaching their retirement age in 2019 should be aware of the fact that traditional Medicare insurance has many gaps. There are several medical expenses that are not covered and generally only 80% of your medical services are paid by Medicare, if you don’t have additional insurance. Therefore, more and more seniors in Tucson, Phoenix, Mesa, Chandler, Glendale, Scottsdale, Gilbert and other cities decide to add additional insurance to help cover these expenses and give them peace of mind when it comes to medical bills.Whether you are a first time Medicare beneficiary or long time policy owner, it is important to know your options. There are three main options in Arizona to add additional health coverage to your original Medicare health insurance:.
Medicare supplemental plans (also called ‘Medigap plans’). Medicare advantage plans (Part C), and. Prescription drug plans (Part D)These plans are provided by private insurance company, regulated by the Federal Center for Medicare Services (CMS), and must adhere to strict guidelines.AZ Medigap Plans 2019: To help cover the gaps in Medicare, 10 Medigap policies, labeled A, B, C, D, F, G, K, L, M and N, are available in Arizona.
It is easy to compare these plans which are provided by approved insurance companies, as each plan is standardized. This means, plan G from insurance company #1 must deliver the exact same benefits as plan G from insurer #2.
So all you need to do to find the best coverage for you, is to select a plan and compare its premium among different insurance companies. You cannot be denied enrollment in a policy if you join when you first are, or during the annual open enrollment or a guaranteed issue period.With such a supplemental plan, you are not limited to a network of health care providers – you can visit any doctor or hospital that accepts Medicare. However, Medigap plans don’t provide benefits for prescription drugs, so need to add a Prescription Drug Plan (PDP) to your coverage. Be aware that the formularies and premiums, deductibles and copayments for RX plans vary greatly among insurer.As for Medicare advantage plans, there are three different types available in Arizona – network-based HMO and PPO plans, where you have to use the services of health care providers that are members of your insurer’s network, and non-network-based plans, so called fee for service plans (PFFS). Note that insurance providers can set their own benefits and premiums.
Therefore it is important that you compare your options before you decide. Regardless of which type of plan or provider you choose, it is essential to compare the plan benefits to your unique health situation, and look at the total amount of costs including any deductibles or co-payments – not only the premiums.Generally spoken, a Medicare advantage plan is for you if you prefer lower monthly payments and you are willing to use a health care provider or facility from the network of the plan provider. If you prefer to see any doctor or hospital that takes Medicare, you are usually better of with a supplemental plan.It is extremely essential for Arizona seniors on Medicare to know all their options, so you can make the selection that is best for you. Visit for more information, or talk to your health insurance specialist about which Medicare plans are available to you in your geographic area.You may also all the State Health Insurance Assistance Program (SHIP) for free counseling at (800) 432-4040.By.