Recent changes
to Medicare have brought about more healthcare choices for mature Americans than
ever before. Today when you are eligible for Medicare you can choose to receive
healthcare through the Original Medicare program only; or apply for a
Medicare Supplement (Medigap Plan) to fill in the "gaps" in Medicare
coverage with few if any co-pays or deductibles.
In
Arizona you can also opt for a
Medicare Advantage Plan that may have lower premiums than a Medigap plan,
even a $0 premium in Maricopa & Pinal counties,
but with more potential out-of-pocket expenses.
Prescription Drug Plans (Medicare Part D) are also now on offer nationwide
either as a stand-alone plan or bundled into a low-cost
Medicare Advantage Plan.
Medicare Supplement
Medicare Supplement policies (also known as Medigap plans) fill in gaps in
Original Medicare coverage such as co-pays and deductibles for
hospitalization, doctor visits and other medical services. Although these
plans may cost more than Medicare Advantage plans, after paying the plan
premium, there are few if any extra out-of-pocket expenses. Plans are
available with AARP (Secure Horizons), and Mutual
Of Omaha.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that
covers both brand-name and generic prescription drugs at participating
pharmacies in your area. Available through
HealthNet, Coventry, Cigna and Aetna
Medicare Advantage
Medicare Advantage plans are health plan options that are part of the
federal Medicare program. Coverage may include Medicare Part D prescription
drug coverage as well as hospitalization, doctor visits, skilled nursing,
medical tests, diagnostics and other services. Most Medicare Advantage Plans
are either HMOs, PPOs, or Private-Fee-for-Service (PFFS). Premiums are often
low and $0 premium plans are available in
Arizona. We feature
HealthNet, AARP (Secure Horizons), Cigna, Aetna and Coventry plans
