An Arizona Medicare supplement plan is plan that is generally designed to cover the gaps that Medicare does not cover such as co payments and co insurance. This plan may be referred to as a Medigap plan. The advantage of an Arizona Medicare supplement plan over an Arizona Medicare advantage plan is that there are no net works, no referrals, and generally no deductibles or co insurance to worry about. With a Medigap plan in Arizona you have the freedom to choose any doctor or any hospital you like as long as they accept Original Medicare. Keep in mind when choosing a Medicare supplement plan, all plans are standardized and offer the same coverage. What will vary is the premium. An example would be shopping for the same car and 3 different dealerships. Most likely you will find that same car with three different prices. My job is to shop different insurance carriers in Arizona to help you find the best rate for your Medicare Supplement plan. Your premium may vary by the zip code you live in. The lowest priced plan with one company in Phoenix, AZ may be the highest priced plan in Flagstaff, AZ. To find out what is the best priced plan in your area and to start the process please call me at 1-800-779-0128.
Every Medicare Supplement insurance policy in Arizona must follow Federal and state laws designed to protect you and the policy must be clearly identified as Medicare Supplement Insurance. Medigap insurance companies in Arizona and in most states can only sell you a standardized Medigap policy identified by letters A through N. The most popular plan is Plan F. Generally speaking this plan will cover the 20% that Medicare does not cover. Plan F would be considered to be the Cadillac plan of Medicare supplements. This may not always be the best option or most cost effective for you as other Medicare supplements may offer almost the same coverage at a reduced premium. Typical plans that I recommend are Plan F, G or D. Call 1-800-779-0128 to discuss which plan my be best for you.
Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company.
As an independent agent I WORK FOR YOU, not the insurance carrier. Because of this I am able to shop top rated Medicare supplement carriers to find you the best bang for you buck. Some of the top rated carriers in Arizona I represent are:
- Gerber
- Sentinel Security Life
- Mutual of Omaha
- Family Life
- Forethought
- Humana
- AARP/ United Healthcare
A Medicare supplement plan in Arizona will not cover your prescription drugs. Most people that choose a Medicare supplement plan will also purchase a Part D Prescription Drug Plan to help out with their prescriptions. I offer a free Part D analysis for Medicare supplement clients. For more information call me at 1-800-779-0128.
For additional information on Medigap policies, including why you would want to buy a Medigap policy and information about what Medigap policies cover, read this publication,Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare (pdf). Additionally visit http://www.medicare.gov for additional information. All Medicare Supplements (Medigap) in Arizona have been standardized by the federal government since 1992. According the publication “Choosing a Medigap Policy“.
Most agents do not specialize in Medicare supplement policies. Fortunately you have come to the right place as I have over 7 years experience helping seniors decide which Medicare supplement policy is best for them. Call me today at 1-800-779-0128.