Medicare Supplement in Arizona

Tamera Jackson by Tamera Jackson | Licensed since 2007

This article was updated on: 10/12/2018

If you’ve chosen Original Medicare (Part A and Part B) for your Medicare coverage, you may want extra protection against out-of-pocket health care costs. Medicare Supplement Plans in Arizona may be an option for covering all or part of your Part A and/or Part B deductibles, copayments, and coinsurance amounts. Here’s what you need to know to help you find the right plan for you.

What are Medicare Supplement Plans in Arizona?

Medicare Supplement (Medigap) Plans in Arizona are sold by private insurance companies. There are currently 10 plans; basic benefits are standardized by the federal government across all states, except Massachusetts, Minnesota, and Wisconsin, which set their own rules for Medigap.

Premiums are set by each insurance company, and you pay a separate premium each month in addition to your regular Medicare premiums. Some Medicare Supplement Plans in Arizona offer a low and high deductible option. Keep in mind that no Medicare Supplement Plans in Arizona cover costs associated with prescription drugs.

How do I compare Medicare Supplement Plans in Arizona?

It’s a good idea to consider what benefits you’ll want, both now and in the future, before you choose your Medicare Supplement Plan in Arizona. It can be difficult to change plans later on if you decide you want a higher level of benefits. You can use this chart to compare Medicare Supplement plans.

Since basic benefits are standardized, your choice should be based on the reliability of the company itself and the premiums. The Arizona Department of Insurance may have more information about the companies in the state to help you make your decision.

When can I enroll in Medicare Supplement Plans in Arizona?

Open Enrollment for Medicare Supplement Insurance Plans in Arizona begins the month you turn 65 and enroll in Part B, and lasts for six months. During Open Enrollment, you can buy any plan sold in your state, and you can’t be charged more for your plan due to your health status. If you don’t buy Medigap during this period, your insurance company may make you pass medical underwriting before approving you for a plan, except in certain other very specific situations.

If you miss your Medicare Supplement Open Enrollment Period, you may be subjected to medical underwriting. Medical underwriting looks at your medical history and current health status. If you have a serious or chronic health condition, you may not be approved, or you could pay higher premiums.

What else should I know about Medicare Supplement Plans in Arizona?

It is against the law for companies to sell you Medicare Supplement Plans in Arizona if you have Medicare Advantage; Medicare Supplement only works together with Original Medicare.

You have no guaranteed right to switch Medicare Supplement plans, except in certain limited situations. If you decide you aren’t happy with the plan you bought, and you are approved to buy a different plan, you may want to take advantage of your 30-day “free look” period. During this period, you can switch back to your original plan if you aren’t happy with the new one. However, you need to pay premiums for both plans during the “free look” period.

Although Congress is ending plans that cover the Part B deductible (Plan C and Plan F) as of 2020, if you already have those plans, you’ll be allowed to keep them. The law only applies to new plans.

If you travel overseas, there are several Medicare Supplement Insurance Plans in Arizona that do offer benefits for international travel.

Need more information about Medicare Supplement Insurance Plans in Arizona?

I am happy to help you find the information you need; you can schedule a phone call or request an email by clicking on the buttons below. You can also find out about Medicare plan options in your area by clicking the Compare Plans button.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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