Arizona Medicare Plans Arizona Medicare
 
 
Arizona Medicare Advantage Plans

Medicare Advantage plans have become a very popular option for Medicare beneficiaries, but you need to make sure that they are available in the county in
which you live.  There are 17.6 million beneficiaries enrolled in private Medicare
Advantage plans in 2016 - and that enrollment number has tripled since 2004.

A Medicare Advantage Plan (like an HMO or PPO) is another way to get your Medicare coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies that Medicare approves. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. You’ll generally get your services from a plan’s network of providers.

Medicare Part C Added Coverage

Medicare Advantage Plans may offer extra coverage, like vision, hearing, dental, and other health and wellness programs. Most include Medicare prescription drug coverage (Part D).

Types of Medicare Advantage Plans

Medicare Advantage plans work similar to health insurance plans offered by employers. Private companies approved by Medicare provide the coverage at little or NO cost to the consumer.  Plans often require that you use the in-network medical providers in order to receive coverage.

Health Maintenance Organization (HMO) plans—In most HMOs, you can only go to doctors, other health care providers, or hospitals in the plan’s network except in an urgent or emergency situation. You may also need to get a referral from your primary care doctor for tests or to see other doctors or specialists.

Preferred Provider Organization (PPO) plans—In a PPO, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. You usually pay more if you use doctors, hospitals, and providers outside of the network.

Private Fee-for-Service (PFFS) plans—PFFS plans are similar to Original Medicare in that you can generally go to any doctor, other health care provider, or hospital as long as they accept the plan’s payment terms. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.

Special Needs Plans (SNPs)—SNPs provide focused and specialized health care for specific groups of people, like those who have both Medicare and Medicaid, live in a nursing home, or have certain chronic medical conditions.

Medicare Advantage Plan Eligibility

♦ You must be 65 years old or disabled and under age 65
♦ You are a US Citizen (or have been a permanent legal resident for 5 years)
♦ You live in the service area of the state that qualifies for your plan's coverage
♦ You have both Medicare Part A and Part B
♦ You don't have end-stage renal disease (ESRD)


Options

Arizona Medicare Advantage Plans


When it comes to choosing an Arizona Medicare Advantage plan, you have a lot of options.

Fortunately, as experts in the Arizona marketplace for Medicare Advantage plans, we can guide you to the best carriers and options that are right for you.

Enrollment:

If you are turning 65, or if you have moved to a different county or state -- you have a special election period that allows you to enroll.

Otherwise, if you would like to switch to a Medicare Advantage plan or switch from the plan you are currently on -- you must generally do this during Medicare Open Enrollment Period, which occurs from October 15th to Deceber 7th each year.

If you would like to leave Medicare Advantage and switch back to Original Medicare, you can do so during the Medicare Advantage Disenrollment Period.  This occurs from January 1st to February 14th each year.


 




    
© 2016, Optimum Benefits Inc., Gilbert, Arizona   480-659-9836