Arizona Medicare Supplements are made available to individuals who are aging into Medicare at 65. People eligible for Arizona Medicare plans can get their supplemental coverage either through a Medigap plan or through a Medicare Advantage plan.
Arizona Medicare Supplements
Each state has different rules about which Medicare supplements must be offered to all Medicare beneficiaries.
At a minimum, Arizona Medicare supplement insurance companies must offer at least Plan A to all beneficiaries age 65 and above. Beyond that, each company can choose which of the other standardized Medigap plans to sell. Some companies may offer only a few of the plans, such as Medigap Plan A, C, and F. Others may choose to offer all of the Medigap plans.
Many of the insurance companies in Arizona offer issue-age policies. This means that your policy will be rated at the age that it was issued. You won’t have birthday rate increases because you are getting older. While all policies will usually still have annual rate increases for inflation, your policy will be based on the age you were when you purchased it.
There are also some attained-age policies in Arizona. Our agency can compare rates for both and advise you on which one is the most cost-effective for you.
Arizona Medigap Open Enrollment
The best time to enroll in an Arizona Medicare Supplement will be during your open enrollment period when you are turning 65. This is a six-month window that begins on the first day that your Part B coverage is effective.
During this window of time, you can enroll in any Arizona Medicare supplement without any restrictions on pre-existing health conditions. After this period is over, you must answer health questions when applying for a Medicare supplement.
Arizona Medigap plans do not include Part drug coverage. You can add a standalone Part D drug plan easily though. Our agency can help you find the one that offers you the best pricing for your medications.
Medicare Under 65 in Arizona
In some states, Medicare supplement insurance carriers can choose not to offer Medicare supplements to beneficiaries who under age 65. Arizona is one of these states. If you are under 65, you may not find any company offering Medigap to you. However, you can still gain access to great coverage by considering one of the many Arizona Medicare Advantage plans.
Later on, when you turn 65, you can take advantage of a second open enrollment window to change over to Medigap if you wish to do so. This will begin on the 1st of your 65th birthday month and will end 6 months later.
Medicare Advantage Plans
Medicare Advantage plans in Arizona are also sometimes referred to as Medicare Part C. These are private Medicare plans that provide all of your Original Medicare benefits. Sometimes Part C plans may include extra benefits such as drug, dental, vision coverage.
Most Medicare Advantage plans in Arizona have a network of doctors. The most common types are Medicare HMO and Medicare PPO plans. With a Medicare HMO, you generally must use the plan’s network of providers except in emergencies. Medicare PPO plans are a little more flexible. You can treat outside the network, but there will be higher costs to you.
You’ll want to check with your physicians to see if they are in the network before enrolling in a plan.
Medicare Advantage Plans in Arizona also often have Part D rolled in. You can check the plan’s formulary ahead of time to make sure that your drugs are covered.
One good thing about Advantage plans is that there is only one health question. Most people are eligible for a plan even if they have pre-existing conditions. Enrollment periods are only at certain times of the year, though.
The fall open enrollment, also known as the Annual Election Period (AEP), is a dedicated time to change and enroll in Part D and Medicare Advantage plans. Once you enroll in a plan, you are locked in for one year. You can change Medigap plans anytime throughout the year as long as you can pass underwriting.
Common Questions About Arizona Medicare:
These are some of the most common questions we get from our Arizona clients about Medicare Supplements.
Your Medigap Open Enrollment window is the best time to enroll in an Arizona Medicare Supplement plan. This window starts on your Part B effective date and ends six months later. For example, if your Part B starts on July 1st, your Medigap Open Enrollment will be from July 1st to December 31st. This is one of the only times you don’t have to answer any health questions.
Definitely not. In fact, you aren’t able to have both a Medicare Supplement plan and Medicare Advantage plan. You can only have one or the other.
No. Medicare Supplements do not cover prescriptions drugs as those are covered under Part D. You will need a stand alone Part D plan to go alongside your Medicare Supplement.
Help Choosing Arizona Medicare Plans
Finding out which type of plan is best for you can be overwhelming. Get help today with your Arizona Medigap or Arizona Medicare Advantage options. Our expert licensed agents will run a free comparison report for you and then guide you through all the rules and help you find a suitable plan.
We do not charge for our services. After you enroll in a policy, you’ll have free support for the life of your policy from our team when you have Medicare questions.
Request a Boomer Benefits agent to contact you via phone or email for no-hassle assistance with Arizona Medicare plans here: