Arizona Medicare Supplement Plans in 2023

Summary: Medicare Supplement (Medigap) plans in Arizona help beneficiaries cover costs that can exist after using benefits from Original Medicare. But there are several options available and many considerations for seniors. Working with a licensed Medicare agent can help provide the right coverage for you. Estimated Read Time: 11 mins

• Best Medicare Supplement Plans in Arizona
• Who Is Eligible for Medicare Supplement Plans in Arizona?
• How Much Do Medigap Plans in Arizona Cost?
• Companies Offering Medicare Supplemental Plans in Arizona
• Medicare Supplement Plans Arizona for Disabled Persons Under 65
• Medigap Rating Method in Arizona
• Arizona Medicare Supplement Guaranteed Issue Rights
• Additional Coverage for Medicare Beneficiaries in Arizona

Medicare Supplement plans in Arizona cover the leftover costs that can occur when using your Original Medicare benefits. Also known as Arizona Medigap plans, these supplemental coverages “fill the gap” of costs left over when receiving healthcare services using Medicare Part A and Part B.

Because Original Medicare won’t cover your costs 100%, this often leads to beneficiaries being responsible for deductibles, copayments, or coinsurances. This is why Medicare plans in Arizona offering supplemental coverage can be so helpful if you’re looking to avoid out-of-pocket healthcare expenses.

When you enroll in AZ Medicare Supplement plans, you can see any doctor or visit any hospital that accepts Original Medicare. There are no network restrictions, regardless of which insurer administers your plan. Learn more about the options available to you in the Grand Canyon State.

Best Medicare Supplement Plans in Arizona

The best Medicare Supplement plans in Arizona will vary from person to person This is because each beneficiary is going to have different needs from a budget and healthcare standpoint. Yet, if we look closer, trends emerge. Here are the Arizona Medicare Supplement plans that are most common among residents:

• Medicare Supplement Plan F Arizona
• Medicare Supplement Plan G Arizona
• Medicare Supplement Plan N Arizona

In total, there are 12-lettered plans to choose from throughout the offerings provided by Medigap coverage, which includes two high-deductible versions of plans. Yet, some restrictions can apply to eligibility, and because of the coverage of the most common plans, they are often the most chosen options.

Working with a licensed Medicare agent can help you pinpoint which coverage works best for your needs, but below, we’re breaking down the most popular options and their benefits.

Medicare Supplement Plan F Arizona

If you are looking for a full-coverage plan, Medicare Supplement Plan F Arizona will be the ideal plan for you. With Medigap Plan F, you have the freedom to receive any Medicare-covered procedure with zero out-of-pocket costs. When it comes to any Medicare Supplement plan Arizona offers, this is a fantastic option if you consider yourself a frequent flyer at the hospital or emergency room.

Here are the benefits you’ll have available if you enroll:

• Coverage for your deductibles, coinsurance, and copayments for Medicare Parts A and B.
• Medicare Part B excess charges are covered.
• You can also cover expenses for your skilled nursing facility coinsurance as well as enjoy benefits for foreign travel emergency expenses, though limits apply.

Excess charges are an additional cost on top of the Medicare agreed amount if your provider does not accept Medicare assignment. Although these charges are rare, if the state you receive services in allows them, you’ll need to cover them.

Like most states, Arizona allows excess charges for Medicare beneficiaries, so speak with your doctor before receiving major services. This is one of the great reasons to consider Medigap Plan F.

But it’s important to understand that Medicare Supplement Plan F is not available to all Medicare beneficiaries. You only qualify for enrollment in Medigap Plan F if you became eligible for Medicare benefits before January 1, 2020.

Medicare Supplement Plan G Arizona

If you do not meet the qualifications for Medicare Supplement Plan F, your most comprehensive option is Medicare Supplement Plan G Arizona. Though often mistaken for Medicare Plan G Arizona, Medigap Plan G Arizona offers identical coverage as Plan F, except you are responsible for your Medicare Part B deductible.

For many, even though you’re responsible for your Part B deductible, Medicare Supplement Plan G can often provide savings because of the level of coverage these benefits provide.

But it’s important to understand that while Medicare Supplement plans in Arizona have their premiums affected by many factors, if you have a plan offering more coverage, expect to pay a higher premium. Therefore, if you are looking for fewer benefits but still wish to maintain a solid amount of coverage, other options may be a better choice for your needs.

Medicare Supplement Plan N Arizona

If you are looking for a plan to satisfy your coverage needs in the event of an emergency, then Medicare Supplement Plan N Arizona might be suitable for you. When you enroll in Medigap Plan N, you are responsible for the Medicare Part B deductible, copayments at the doctor and hospital, as well as excess charges.

But for those who are looking to balance the cost of their premiums with an appropriate level of benefits, Medicare Supplement Plan N is an excellent choice. Remember, Medicare Supplement plans in AZ come in many different forms, and your best option is to compare your needs and the benefits available with a licensed Medicare agent.

Who Is Eligible for Medicare Supplement Plans in Arizona?

Eligibility for Medicare Supplement plans in Arizona starts as soon as you enroll in Medicare Part B. This typically happens on your 65th birthday, although you may become eligible beforehand if you are disabled before this age and have been collecting Social Security Disability Income (SSDI) for two years.

To enroll in a Medigap plan of your choice, beneficiaries will receive a six-month Medigap Open Enrollment Period beginning on the first day of their 65th birth month. During this time, you can enroll in Medigap in Arizona without undergoing medical underwriting, and carriers cannot deny you coverage for any reason.

If you miss your Open Enrollment Period, you can still sign up for a plan in Medicare Supplement in Arizona at any time. However, you must undergo medical underwriting, and a carrier may deny you coverage.

While many pre-existing conditions are not an issue, some conditions will automatically cause a carrier to decline your coverage. However, declines are not standardized. Should one carrier deny your policy, another could approve the coverage.

But to avoid such issues, it’s always recommended to sign up for Medicare Supplement plans in Arizona as soon as you are eligible. This will allow you the opportunity to enroll in the coverage you need without the threat of rejection because of your healthcare needs.

How Much Do Medigap Plans in Arizona Cost?

The cost of Medicare Supplement plans in Arizona is dependent upon several factors. Major factors include your age, tobacco usage, the ZIP Code in which you reside, and gender. Carriers use these factors to determine your monthly premium.

Additionally, the more benefits your plan has, you’ll see an increase in the average cost of that Medigap plan. To get a better idea of what to expect, we’ve compiled data on Medicare Supplement Arizona coverage.

The charts below compare the three most common Medigap plans in Arizona. In these examples, the beneficiaries are 65-year-olds and 75-year-olds who do not use tobacco and reside in the same ZIP Code:

*If on Medicare before 1/1/20

These prices represent state averages. Your coverage may vary based on the previously mentioned factors.

Companies Offering Medicare Supplemental Plans in Arizona

If you’re looking for the best Medigap plans in Arizona, it’s important to not only compare different lettered plans but also different companies offering the coverage. The benefits for each lettered plan are standardized, which means you’ll enjoy the same coverage, but you will pay differing prices depending on the carrier you enroll with.

The important thing is that you use a top-rated Medigap provider, and luckily, residents of Arizona have plenty to choose from. Here are some of the most popular Medicare Supplement companies available in the Copper State:

• Aetna
• Bankers Fidelity
• Blue Cross Blue Shield (BCBS) of Arizona
• Capitol Life
• Cigna
• GPM (Government Personnel Mutual)
• Humana
• Lumico Life Insurance
• Manhattan Life
• Mutual of Omaha
• National General
• United American
• UnitedHealthcare

Medicare Supplement Plans Arizona for Disabled Persons Under 65

In the state of Arizona, disabled persons that are under the age of 65 can still receive Medicare coverage but must first receive SSDI benefits for two years to become eligible. However, AZ doesn’t mandate that private insurance companies offering Medigap coverage must offer them to disabled persons under 65.

This means that it is up to the discretion of Arizona Medicare Supplement companies whether or not to issue coverage, making benefits likely difficult to find. Furthermore, policies for those under 65 with disabilities are often much higher in premiums falling far outside of the area averages.

But Medicare benefits from the federal government’s program are still available, and in order to see if Medicare supplemental plans in Arizona are available to you, your best bet is to speak with a licensed Medicare agent to discuss your options.

Medigap Rating Method in Arizona

Depending on the rating method used by your Medigap provider, your premium will vary. It’s one of the many factors that go into determining the cost of premiums for Medicare Supplement plans in Arizona.

The Grand Canyon State allows two different methods, which each price plans differently. Here are the two ways Medicare plans in Arizona offering supplemental coverage can be rated:

• Issue age ratings use the age you enroll to determine your premium. This means the younger you are when you sign up, the less you’ll pay when compared to signing up for coverage when you’re older.
• Attained age ratings will base your coverage’s premium on your current age but increase the older you get.

Again, it’s important to shop and compare Medicare Supplement plans in Arizona because there are different prices that will come about due to the different rating methods applied.

Arizona Medicare Supplement Guaranteed Issue Rights

Beneficiaries in AZ that sign up during their Medigap Open Enrollment Period are protected from being denied coverage or having their rates increased due to pre-existing conditions. This is what is known as guaranteed issue rights.

However, Medicare Supplement plans in Arizona may have higher premiums for seniors that do not take advantage of their Open Enrollment Period. You may even be denied coverage altogether.

It’s also important to highlight that if you do purchase Medicare Supplement plans in Arizona outside of your Open Enrollment Period, and you may have to endure a six-month waiting period before accessing your benefits hence why it’s always best to enroll in coverage as soon as you are eligible.

Additional Coverage for Medicare Beneficiaries in Arizona

While both Original Medicare and Medigap plans in Arizona offer great healthcare benefits, they don’t cover everything. There are several healthcare needs that may arise that aren’t covered by these benefits, but thankfully, you still have options.

In addition to Medicare Supplement plans in Arizona, the state offers several other coverage options to help offset Medicare-eligible seniors’ healthcare costs, including:

• Medicare Advantage plans
• Medicare Part D plans
• Dental, vision, and hearing plans

Medicare Advantage plans, also known as Medicare Part C, are an alternative for beneficiaries to Medigap. These plans cover everything Original Medicare covers but can also offer additional benefits at the discretion of each plan and each plan’s carrier.

But there are a few important considerations you’ll need to remember before signing up:

• Unlike Medicare Supplement plans in Arizona, there are networks that exist. This means that you may find your healthcare options limited and/or pay more when receiving care outside of your network.
• You can’t have both a Medigap plan in Arizona and a Medicare Advantage plan. It’s either one or the other, so you’ll need to compare your needs and options to find the best solution for you.

Some Medicare Advantage plans may also cover prescription drugs. However, this comes down to availability, which varies from county to county. But there are also Medicare Part D prescription drug plans available to help you cover the cost of prescription medications.

The most important consideration when picking a Medicare Part D plan is to check its formulary, a list of drugs it covers, before enrolling. This will help ensure that the medication you need is covered, as formularies can vary from carrier to carrier and plan to plan.

Dental, vision, and hearing plans can also help seniors in Arizona cover their healthcare costs and can be paired with Original Medicare. Neither Original Medicare nor Medigap plans in Arizona cover these services, so enrolling in one of these plans is a great way to help cut these costs and maintain your budget.

How to Apply for Medicare Supplement Plans in Arizona

Enrolling in Medicare Supplements in Arizona is simple. By working with a licensed Medicare agent, you can compare your needs and the coverage available and find the right solution for your budget and healthcare.

There are a lot of considerations involving healthcare, such as inpatient services, outpatient services, prescription drug costs, and more. Rather than sorting through countless carriers and plans, we can help you save time and money.

Call the number above to compare Medicare Supplement plans in Arizona with a licensed agent, or complete our online rate comparison form to compare your options today!

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