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Medicare Advantage plans in Arizona provide an alternative way to get your Original Medicare benefits. Original Medicare is the federally administered health-care program for seniors and certain disabled individuals. A Medicare Advantage plan must include at least the same level of medical and hospitalization coverage as Original Medicare, Part A and Part B. In addition, coverage might be included for other services, such as routine vision and dental, or hearing services. Some Medicare Advantage plans might also include prescription drug coverage as part of the plan; these plans are known as Medicare Advantage Prescription Drug plans.
Medicare Advantage plans are offered through private insurance companies that are contracted by Medicare. The specific benefits and cost of that coverage can vary by company and plan. For example, the cost of a Medicare Advantage plan in Arizona may fluctuate between different counties in the state.
Medicare Advantage plans in Arizona can come in a wide range of insurance plan types. Some of the options include Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs), which are two popular types of managed-care plans. Private Fee-for-Service(PFFS) plans are another type of Medicare Advantage plan that may be available; if you enroll in this type of plan, you’ll need to get coverage from providers and hospitals that agree to contract with the PFFS plan on a case-by-case basis and accept its payment terms. Special Needs Plans are available for beneficiaries who meet eligibility criteria, including those who live in an institution, have Medicaid, or have certain chronic conditions. Beneficiaries may also choose to open a Medicare Medical Savings Account (MSA), which is a high-deductible plan that also includes a savings account.
Beneficiaries looking for prescription drug coverage can enroll in a Medicare Advantage plan in Arizona that includes this benefit. As mentioned, these plans are known as Medicare Advantage Prescription Drug plans (or MAPD plans). A Medicare Advantage Prescription Drug plan covers Medicare Part A, Part B, and Part D coverage under a single policy, which may be easier to manage and more cost-effective, depending on the plan. This is in contrast to Original Medicare, where you typically need to enroll in a separate Medicare Prescription Drug Plan for prescription coverage. Before enrolling in a Medicare Advantage plan that includes prescription drug coverage, make sure that the medications you take are covered by the plan. You can do by checking the plan’s formulary, which is a list of covered drugs. Keep in mind that formularies may change at any time. Your plan will notify when necessary.
Because Medicare Advantage plans in Arizona can vary in terms of their cost and coverage options, it is important for beneficiaries to compare plans carefully when finding the best option for their situation. Since some Medicare Advantage plans may offer coverage that extends beyond Original Medicare, such as routine vision and dental, beneficiaries should enroll in a plan that is a good fit for their specific health needs.
Keep in mind that costs like premiums and deductibles can vary for different Medicare Advantage plans in Arizona. Some Medicare Advantage plans in the state may even offer premiums as low as $0. However, remember that even if your Medicare Advantage plan doesn’t require a premium, you are still responsible for paying your Part B premium. If you need help finding cost-effective Medicare plan options, contact eHealth to discuss your needs with a licensed insurance agent.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.