Arizona Medicare Plans Arizona Medicare
About Medicare

Medicare is the federal health insurance program for people 65 or older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant).

What are the different parts of Medicare?

Medicare Part A (Hospital Insurance) helps cover:

♦ Inpatient care in hospitals
♦ Skilled nursing facility care
♦ Hospice care
♦ Home health care

Medicare Part B (Medical Insurance) helps cover:

♦ Services from doctors and other health care providers
♦ Outpatient care
♦ Home health care
♦ Durable medical equipment
♦ Some preventive services

Medicare Part C (Medicare Advantage Plans):

♦ Includes all benefits and services covered under Part A and Part B
♦ Usually includes Medicare prescription drug coverage (Part D) as part of the plan
♦ Run by Medicare-approved private insurance companies
♦ May include extra benefits and services for an extra cost

Medicare Part D (Medicare prescription drug coverage):

♦ Helps cover the cost of prescription drugs
♦ Run by Medicare-approved private insurance companies
♦ May help lower your prescription drug costs and help protect against higher costs in
   the future

Why you need Medigap Coverage or Medicare Advantage

The above Medicare structure covers the basics for some Medicare beneficiaries, but
leaves many with high out-of-pocket expenses.  Private insurance companies offer Medicare Advantage Plans and Supplement plans to alleviate the financial burdons imposed by relying solely on Part A & Part B for medicare health coverage.

These plans may or may not charge a monthly premium, and can offer coverage that
protects financial assets in the event medical services needed are not covered by Original Medicare. 

Let us help you choose the right plan for you based on your needs and circumstances.
We can provide cost breakdowns and comparisons so that you can make an informed
and wise choice about your Arizona Medicare coverage.
Arizona Medicare

Arizona Medicare Options
Optimum Benefits Inc., Gilbert, Arizona   480-274-9264