Arizona Medicare Supplements
Get a Quote »We offer Medicare supplement insurance quotes in Arizona from several highly rated, affordable providers. Our independent agency allows seniors to view quotes, compare coverages and enroll direct in Medigap and Part D insurance plans.
We represent Aetna, AFLAC, Anthem, American Republic, Assured Life, Central States Indemnity, Family Life, Gerber Life, Heartland National, Loyal American, Mutual of Omaha, Sentinel Life, Standard Life, United of Omaha, United Healthcare AARP and many others.
If your are near age 65 and in open enrollment, losing employer sponsored group coverage, or shopping for better rates – we can assist you. Aetna, AFLAC and Mutual of Omaha are all currently offering very competitive rates in AZ.
Choosing Arizona Medicare Supplement Insurance
The ten supplemental plans offered in Arizona are A, B, C, D, F, G, K, L, M and N. Plan A covers only basic benefits while Plan F provides the most comprehensive coverage. Plans C, F, and G are most popular as they fill in the most significant gaps in Medicare.
Some providers also offer High Deductible Plan F in AZ. The deductible for 2012 has gone up from $2,000 to $2,070. Considering that premiums are very inexpensive, High Deductible Plan F can be a good choice for those who are comfortable with a higher deductible.
Monthly premiums for the exact same Medicare supplement will vary from company to company, but the coverage benefits and network options cannot be modified by the insurance provider. That is to say that Plan F benefits cannot be altered by any insurance company - only the monthly cost will be different. This is why most consumers shop on price, claims service, and renewal history.
Working with an independent agency such as ours, you can compare the lowest rates online with our Medigap insurance providers. And when your monthly rates increase in the future, we will be able to recommend other low cost insurance.
We have also provided an online Medicare supplement benefit comparison chart where you can compare and contrast the ten available plan options. It is important to note that not all supplement providers offer all ten plans for purchase.
New Medigap Coverage Plans In Arizona
As of June 2010, two new plans were introduced nationwide that offer lower premiums in exchange for higher out of pocket expenses. These are referred to as Plans M and N and can be an affordable alternative for those who are comfortable paying a larger portion of their health care bills out of pocket.
Plan N is was introduced as an affordable alternative to Medicare Advantage coverage. Plan N does not cover the small Part B Deductible ($140 for 2012) or the rarely experienced Part B Excess Charges. It has a maximum $20 copay for doctor’s office visits and emergency room visits have a $50 maximum copay. Factoring in the lower premiums and lack of network restrictions, Plan N is a very good choice for many seniors.
Please be aware that if you are not in an open enrollment or guaranteed issue period of time and are considered to be in poor health, most insurance providers can turn you down for supplemental insurance.
AZ Medicare Insurance Open Enrollment Window
Those who are turning age 65 will be in open enrollment and are provided with a six month window to purchase a supplement without medical underwriting. However, if you are still offered health insurance from your employer and they allow you to stay on their group plan, then you will not be forced to purchase supplemental coverage in most cases. It is always wise to contact your local Social Security Administration and or human resources department if you are not sure of your options.
Upon retirement or separation from employment, you will have a new open enrollment period to purchase a Medigap plan without underwriting. If you do not take advantage of either your open enrollment or guaranteed issue periods of time, then underwriting may be necessary and some insurance companies can deny your application if you have ongoing health concerns.
Where We Offer Medicare Supplement Insurance
Our independent insurance agents cover all of Arizona including Phoenix, Tucson, Scottsdale, Mesa, and Flagstaff. We represent several affordable carriers such as Aetna, AFLAC, Mutual of Omaha, United Healthcare, AARP and many others.