Medicare in Arizona

Are you an Arizona resident approaching their 65th birthday? If so, there’s never been a more suitable time to learn how Medicare can support your ongoing health care. 

Of course, changing health care coverage can be overwhelming, but that doesn’t mean you should put it off – doing so can incur avoidable charges further down the line. Truth is, Medicare isn’t as complicated as it might seem, and with our experts by your side, we’ll find a plan to match your needs and budget. 

Read on as our experts explore options regarding Medicare Supplement Insurance and Medicare Advantage plans in Arizona. 

Overview of Medicare in Arizona

• Arizona is home to nearly 1.5 million Medicare beneficiaries.
• Over 560,000 beneficiaries are enrolled in Medicare Advantage.
• Over 470,000 beneficiaries are enrolled in a Medicare prescription drug plan

Arizona Medicare Savings Program

Some Arizona residents may find the cost of Medicare too high, especially when they have a low income and saddled with the expense of regular treatments and prescription medication. 

To alleviate the burden and receive financial assistance, you may be eligible for one of the four Medicare Savings Programs. 

• Qualified Medicare Beneficiary Program offers financial assistance for Medicare Part A and Part B premiums. It can also cover the cost of deductibles and copayments. To be eligible, an individual must not earn more than $1,084 a month, while a married couple cannot earn more than $1,457 a month.

• Specified Low-Income Medicare Beneficiary Program helps to pay for the premium for Medicare Part B. Applying individuals must have an annual income below $1,296 per month and couples can qualify if their combined income is not above $1,744 per month.

• The Qualified Individuals Program also assists in paying for Part B premiums. An individual’s monthly income cannot exceed $1,456 while the combined monthly income of a married couple must be under $1,960 a month.

• The Qualified Disabled and Working Individuals Program helps pay for Part A premiums only. If eligible to claim, your monthly income must also be within $4,249 per month or less than $5,499 if you’re a married couple. 

Medicare Supplement Insurance in Arizona

Original Medicare (Part A and B) comes with out-of-pocket costs that the plan holder is responsible for. Medicare Supplement plans (Medigap) fill in these gaps, covering a portion of the expenses not included by Original Medicare.

Each state has different rules about which Medicare supplements must be offered to Medicare beneficiaries.

In Arizona, Medicare Supplement Insurance companies must offer at least Medigap Plan A to beneficiaries aged 65 and above. Each company must choose which other Medigap plans to sell. 

Arizona Medigap Open Enrollment

The Medicare Supplement Insurance plan (Medigap) is available during your open enrollment period. This enrollment period is a six-month window that starts on the first day of the month you turn 65 and enrolled in Part B.

In this 6-month time-frame, you can enroll in a Medicare Supplement Insurance plan without restrictions on pre-existing health conditions. Once this period passes, you may not be able to enroll in a Medigap plan as easily. You may also be charged higher premiums and denied coverage.

Medicare Under 65 in Arizona

In Arizona, it is not possible to enroll in Medicare Supplement Insurance (Medigap) plans if you are under age 65. However, if you have a disability, you can gain access to Arizona Medicare Advantage plans. 

When you turn 65, you can take advantage of a second open enrollment window during which you can change over to Medigap. 

Medicare Advantage Plans in Arizona

Medicare Advantage plans in Arizona include the same coverage as Original Medicare, but, in addition, may cover other services, such as vision and dental services. Some Medicare Advantage plans also include prescription drug coverage (Part D) as part of the plan.

Medicare Advantage plans are offered through private insurance companies that have a contract with Medicare. The benefits and costs of the plans vary by company and fluctuate between different Arizona counties.

Comparing Arizona Medicare Advantage Plans

Since some Medicare Advantage plans can offer coverage beyond Original Medicare, Arizona residents can find a plan that suits their specific needs. WIth plans varying in cost and coverage, residents must carefully compare plans to find the best option. 

Medicare Haven’s licensed agents can guide you through the options available and determine if you’re eligible for any financial assistance programs. It’s our job to help find you the best Medicare plan to match your needs.

Arizona Medicare FAQ

When should I enroll in a Medicare Supplement plan in Arizona?

The best time to enroll in a Medicare Supplement plan in Arizona is during your open enrollment period. This six-month window begins on the first day of the month you turn 65, and your Part B coverage is effective.

Should I get Medicare Supplement and a Medicare Advantage plan in Arizona?

It is not possible to have a Medicare Supplement Insurance and a Medicare Advantage plan. 

Do Medicare Supplements cover prescription drugs in Arizona?

No. Medicare Part D covers prescription drugs. You will need to enroll in Medicare Part D to receive coverage for prescription drugs. 

If you have any questions about Arizona Medicare in 2020, and your eligibility for financial assistance, speak to one of our licensed agents today. Our agents will discuss your Medicare options and help find a plan that works for you. Call us today at 1-844-236-0228.

Interested in a quote for Arizona Medicare Insurance? Call 1-844-236-0228 to speak with a licensed agent.