Medicare Supplement Plans in Arizona for 2022. If you are over the age of 65, or just about to turn 65, then you are probably aware of Medicare and the different types of plans available. In this blog post, we will discuss the different types of Medicare Supplement plans that are available in Arizona for 2022. We will also talk about the benefits of each plan, and how they can help you save money on your healthcare costs.
What is Medicare?
Medicare is health insurance for senior citizens over the age of 65, or in some cases for people who are disabled, or who have ESRD (kidney failure). Medicare is the primary health insurance for people who are on it, although Medicare does NOT provide full coverage. There are many gaps in coverage left by Medicare, and that is why people purchase Arizona Medigap Insurance.
How Does Medicare Cover Us?
There are four main parts to the Medicare system:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
Medicare Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Part B provides coverage for medical services, including medical expenses either in or out of the hospital. Also, outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests). Lastly, home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Medicare Part B also covers some preventive care services. Medicare Part C is a replacement for Medicare. It is known as the “Medicare Advantage” plan, or a “Medicare Replacement” policy. Part D is coverage for prescription Medications.
Although Medicare pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses. Medicare also requires Medicare beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations, etc.
Which Type Of Insurance Makes Sense?
Arizona Medicare Supplemental Insurance can cover all the gaps in coverage left by Medicare. This will help so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare. The benefits of these policies are the same across companies, the only difference is the price they charge.
When comparing Arizona Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for a certain company over another, because they all provide the same coverage. It is very important that you shop around and obtain multiple Arizona Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.
It can be a hassle calling multiple Arizona insurance companies. When talking to multiple insurance agents you may possibly be getting inaccurate information. They usually are suggesting whom they work for, not your best interest. You can compare multiple Arizona Medicare Supplement insurance quotes and plans directly on our website. Or, you can call one of our Arizona Expert Medicare Specialists who are standing by. They can walk you through the Medicare maze and can help find your best option. You can call our toll-free number now at (800) 339-4112
What Are My Other Options?
If you are not interested in purchasing a Medicare Supplement policy, or if you feel like you do not need the extra coverage that these policies provide, then your other option would be to enroll in a Medicare Advantage plan. These plans are offered by private insurance companies, and they must follow certain guidelines set forth by Medicare. The main benefit of enrolling in a Medicare Advantage plan is that you will have one insurance company to deal with for both your medical and prescription drug needs.
Another advantage of enrolling in a Medicare Advantage plan is that many of these plans offer extra benefits that are not covered by Original Medicare, such as dental, vision, and even gym memberships! Some plans also have $0 monthly premiums, which can be a huge advantage if you are on a fixed income. The downside to enrolling in a Medicare Advantage plan is that you will likely have to see doctors and other healthcare providers who participate in the plan’s network.
We hope this article has helped you understand your options for Medicare Supplement plans in Arizona for 2022. If you would like to compare Arizona Medicare Supplement quotes, please visit our website or call one of our expert Medicare Specialists at (800) 339-4112. Thank you for reading!