Medicare Advantage Plans (Part C) –
Simply explained, Medicare Advantage is a program for Medicare recipients. It allows private health insurance companies to provide all of the standard benefits of Medicare Parts A and B within a managed care plan. Such as an HMO or PPO an HMO or PPO. Medicare Advantage Plans may provide prescription drug insurance, and may include extras such as gym memberships, dental, hearing aids and vision.
Many of the companies have more than 1 plan which means that you can find the one that best works for you
More About Medicare Advantage Plans
Arizona Medicare Advantage Plans (also known as Medicare Part C) are Medicare plan options that are part of the Medicare program and are not the same as a Medicare Supplement. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. Arizona Medicare Advantage plans are available by county, such as Maricopa, Coconino or Yavapai. This coverage can include Medicare Part D prescription drug coverage.
Arizona Medicare Advantage Plans that are available include:
- Medicare Health Maintenance Organization (HMOs)
- Preferred Provider Organizations (PPO)
- Private Fee-for-Service (PFFS) Plans
- Medicare Special Needs Plans (SNP)
- Point of Service (HMO-POS)
Selecting Medicare Advantage Plans in Arizona
Consider these facts in deciding if a Medicare Advantage Plan for hospital and medical coverage is right for you:
- Most Medicare Advantage Plans cover costs & services not covered by Original Medicare.
- Medicare Advantage Plans may have lower deductibles & co-payments than Original Medicare.
- Medicare Advantage Plans usually have low premiums — $0 premium plans are available in Arizona.
- No health question asked. All Medicare beneficiaries, including people on Medicare due to a disability, are guaranteed acceptance regardless of health conditions
- Special plans with lower or no out-of-pocket costs may be available for “Dual Eligibles” — people enrolled in both Medicare & AHCCCS.
With Medicare Advantage plans acceptance is guaranteed for all Medicare eligible every year during the appropriate enrollment period regardless of health conditions (except End Stage Renal Disease). Dual Eligibles- people on both Medicare and AHCCCS and those with certain chronic health conditions — can enroll year-round. However, most Medicare Advantage plans require you to pay a co-pay each time you see a doctor, receive medical treatment, or visit a hospital. The maximum out-of-pocket expenses you are required to pay are capped on a per-year basis.
To join a Medicare Advantage Plan, you must have Medicare Part A and Part B, live in the plan’s service areas and be a U.S. citizen or lawfully present in the United States. You must continue to pay your Medicare Part B premium (unless your Part B premium is paid for you by AHCCCS or another third party).
To learn more about your Medicare Plan Options, fill out the contact form at the side or just give Ralph a call at 602-390-8573
Arizona local Medicare agents representing Medicare Supplement and Medicare Advantage plans
An all-in-one option for receiving your Medicare benefits through a private insurer.
This option might be good for you if:
- You want to receive Part A hospital, Part B medical and often Part D prescription drug coverage together in one plan.
- You want predictable costs and a firm limit on what you pay out-of-pocket for medical expenses each year.
- You value coverage that typically includes extra benefits like dental, vision, hearing and wellness.
Keep in mind
- Medicare Advantage plans typically come with network contracted providers.
- Some plans may give you the ability to use out-of-network providers at low or no extra cost.
- You must continue to pay your Medicare Part B premium.
- Depending on the plan, you may pay a separate premium to a private insurance company.
Can I change my coverage?
Your health care needs can change from year to year. So do health plans. Fortunately, Medicare gives you the ability to join a plan or change your coverage during certain times of the year.
Ready to Take the Next Step?
Search & Self Enroll in 2023 Medicare Plans
Medicare Advantage or Medicare Supplement??