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Arizona Medicare Supplement Insurance

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Medicare Supplement Plans In Arizona

Arizona Medicare Supplement InsuranceOur independent agency offers Medicare supplement insurance in Arizona online and direct from several affordable providers. You can compare benefits, rates and renewals from several highly-rated providers.

We represent several carriers, including: Aetna, American Continental, Anthem, Cigna, Central States Indemnity, Equitable, Gerber, Heartland National, Humana, Manhattan Life, Mutual of Omaha, Standard Life, United Healthcare AARP and many others.

If you are near age 65 and in open enrollment, losing employer coverage, or shopping for better rates – we can help. Currently Aetna, Manhattan Life, Medico and Mutual of Omaha are offering competitive rates in Arizona.

Comparing Supplement Insurance Benefits & Plans

The ten supplemental plans offered are A, B, C, D, F, G, K, L, M and N. Plan A only covers basic benefits while Plan F provides the most comprehensive coverage. Plans F, G and N are popular as they fill in the most significant gaps in Medicare.

Some providers also offer High Deductible Plan F. The deductible for 2019 is $2,300. High Deductible Plan F can be a good choice for those who want low monthly premiums and are comfortable with a little more out of pocket exposure.

Monthly premiums will vary from company to company for the same plan, but the benefits and network options are always the same. In other words, a Plan G is a Plan G no matter the insurance company. You have access to the same benefits and doctors no matter the insurance company. This is why most of our clients shop on cost, reliability and renewal history.

By working with an independent agency like ours, you can compare the lowest Medicare supplement insurance rates available in your area of Arizona. We will also provide guidance as to historical rate increases and and any available premium discounts.

We have provided an online Medicare supplement benefit comparison chart where you can view the benefits provided by all ten available Medicare supplement plans. (It is important to note that not all providers offer all ten plans for purchase.)

Supplemental Plans G & Plan N Offer Good Value

In our experience, Plans G and N offers some of the best value to those age 65 or older in Arizona. Plan G has only one gap (the $185 Part B deductible for 2019) and can be $20 or more less than Plan F in many cases. And Plans G & N are not Guarantee Issue. Rates tend to increase more slowly with these supplements.

Plan N was introduced in 2010 when CMS modernized Medicare supplement plans. Plan N does not cover the Part B Deductible or the rarely experienced Part B Excess Charges. It also has a $20 doctor’s office and $50 emergency room copay. Plan N premiums can be under $100 a month for many consumers. Aetna, Medico and Manhattan Life offer affordable N plans in AZ.

If you are under age 65 in Arizona and eligible for Medicare Part B due to disability, you will have very few Medicare supplement options. We typically recommend Medicare Advantage plans as they may be the only insurance choice. We’ll help you better understand Advantage policies to see if they are suitable for you health care needs.

Using Your Medicare Insurance Open Enrollment Window

When turning age 65 – or first enrolling in Medicare Part B – you will be in your 6 month open enrollment window. However, if you are still offered health insurance from your employer and they allow you to stay on their group plan, you will not be forced to purchase supplemental coverage in most cases.  It is always wise to contact your local Social Security office and/or human resources department if you are unsure of your eligibility. We can help as well.

Upon retirement or separation from employment, you will usually 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 medical underwriting may be necessary in order to purchase a supplement. Insurance companies can deny your application if you have health issues and are applying outside of these designated windows.

Where We Offer Medicare Supplement Insurance

Our independent insurance brokerage covers all of Arizona including Phoenix, Tucson, Scottsdale, Mesa, and Flagstaff. We represent all carriers direct to you – at no additional cost. We take the hassle out of shopping for supplemental insurance while also helping you better understand all of your options.