A Medicare Supplement Insurance plan in Arizona is designed to assist you in the payment of some health care costs that are not covered by Original Medicare such as coinsurance, copayments, and deductibles. Unlike Medicare Advantage Plans, Medicare Supplement Insurance Plans in Arizona are meant to supplement Original Medicare and not stand alone. For those who desire to get stand-alone Medicare coverage other than Original Medicare, they may already have been considering taking advantage of a Medicare Advantage Plan.
Plans Available through the States
Beneficiaries of Arizona Medicare Supplement Insurance plans may select from a variety of available plans which are classified using a letter, with 10 letters (A, B, C, D, F, G, K, L, M, and N) in all and same applies to all 47 states. Medicare plans with the same lettered patterns offer the same medical coverage and benefits. While medical coverage may include traveling outside of the country, other additional benefits such as dental, vision, and hearing are not generally included.
Open Enrollment Period
Medicare beneficiaries may choose to enroll in a Medigap plan in Arizona during the Medigap Open Enrollment Period which lasts for six months. During this enrollment period, companies cannot deny medical coverage or charge higher premiums to Medicare beneficiaries as a result of pre-existing health conditions. It is still possible to enroll in a Medicare Supplement Plan after the Medigap Open Enrollment Period; however, there would no longer be protections for pre-existing health conditions.
Although Medicare plan coverage in Arizona may be similar, the costs for the Medicare plans may vary. Factors that some companies take into account which could lead to varying costs of plans include health, age, smoking status, and gender. Some Medicare Insurance companies offer a discount if a married couple has the same carrier. Others offer a discount for Medicare beneficiaries who choose to key into Electronic Fund Transfer (EFT) in order to have premiums directly withdrawn from a checking account. So it is important to consider the plans and their coverage so you can select the plan that best fits your needs.
Thinking Of Choosing Plan F
Medigap Plan F is the most common plan in the country and it is available in Arizona. However, this plan has a high deductible option which leads to a significant decrease in monthly premiums. While this may look appealing, the plan should be considered carefully as it may not be ideal for an individual with a medical condition that demands frequent lab visits. Also take not that the deductible must be met before the benefits associated with Medigap plan F can be utilized. Also there is talk that in year 2020 they will no-longer offer plan F. In any of the plans you decide to work with in Arizona, careful consideration is important.
Research is key to finding the best Medicare supplemental plan for your needs. If you are not sure where to start, give us a call at 877-202-9248. At eMedicare Supplemental Insurance we are dedicated to bringing you the best customer service and satisfaction. We are fully licensed insurance brokers located in USA. Don’t wait call us today! Visit our website at www.emedicare-supplemental-insurance.com