What is the best Medicare Supplement Plan in Arizona?

All though there are 10 standardized Medicare Supplement Plans to choose from in Arizona, statistics indicate that Plan F, Plan, G, and Plan offer the most comprehensive coverage and have been shown to be the most popular.

Comparing Medicare Supplement Insurance Plans in Arizona

Medicare Supplement Plans in Arizona

In Arizona, various Medicare Supplement Plans are available, but determining the ideal option for you can be challenging. While “it depends” may not be the answer you were hoping for, continue reading for a comprehensive explanation, or contact us at 844-528-8688 for a personalized consultation to help you find the most suitable Medicare Supplement Plan in Arizona for your needs.

Regardless of your location in Arizona, when you become eligible for Medicare, it’s essential to find a Medicare supplement plan that aligns with your lifestyle and financial constraints. During your open enrollment period, Arizona’s Medicare Supplement Plans are accessible without the need for medical underwriting. For information on joining Medicare, refer to our Medicare Supplement Guide.

First Things First, You Need Medicare

To be eligible for an Arizona Medicare Supplement Plan, you are required to have Original Medicare Parts A and B. Medicare eligibility Arizona works as follows:

Enrolling in Arizona Medicare

When it comes to Medicare enrollment, there are two distinct situations. To determine the steps you need to take to enroll in Medicare, review the information below and identify the scenario that best applies to your circumstances.

About Medicare Supplement Insurance Plans in Arizona

Having learned about Medicare enrollment, it’s now time to identify the most suitable Medicare Supplement Plan in Arizona for your needs. While premium rates for Arizona Medicare Supplement Plans are crucial, it’s also essential to consider the company and its history of rate increases. A plan with the lowest monthly premium today may become quite expensive in the future.

Medicare Supplement Companies often enter a region with an attractively low “introductory price,” essentially acquiring new customers. As they establish their clientele, they may significantly increase rates to compensate for any losses. This is one reason why, at Medicare Solutions Team, we offer more than twenty Medicare Supplement Plan providers in Arizona.

Medicare Supplement Plans, sometimes called Medigap Plans are set and standardized by CMS (Medicare).  They offer 10 plans but we have found that the best Medicare Supplement Plans in Arizona and the most popular are Plan F, Plan G, and Plan N.

Compare Medicare Supplement Plans Arizona 2023

Arizona Medicare Supplement Plan F

The Plan F Medicare Supplement Plan Arizona, simply put, covers everything.  On the face that seems like a great idea, but there are a few reasons why.

1. It is the most expensive Plan on the Market
2. It has the highest rate increases of all the Medicare Supplement Plans
3. The Medicare Supplement Plan F will no longer be available to new enrollment as of 2020.

**The Medicare Supplement Plan F High deductible plan will not be changed in 2020.

Arizona Medicare Supplement Plan G

The Medicare Supplement Plan Arizona that offers the most coverage for the lowest premium is the Medigap Plan G.  The Medicare Supplement Plan G offers the exact same benefits of Plan F except that you will pay the Part B deductible.  The Part B deductible is set by Medicare and can change, but at this time it is $183.00 per year. 

The Arizona Medicare Supplement Plan G is normally $300.00 to $400.00 per year less in premium than the Plan F and historically has much lower rate increases.  

Once the Part B deductible ($233.00 for 2022) is paid, your benefits will be identical to the Medicare Supplement Plan F.  Why would anyone want to pay an insurance company $300.00 to $400.00 a year more just to pay a $233.00 deductible.

Arizona Medicare Supplement Plan N

Medicare Supplement Plan N is one of the lowest cost Medicare Supplement Plans, but you will take on a little more risk and out-of-pocket costs.  With a Medigap Plan N, you will have a copay of $20.00 for the doctor visits and $50.00 for an emergency room visit.

Paying a copay is something that most people are used to, and does add some cost if and when you go to the doctor, but there is another fact of the Plan N that you need to be aware of.

Plan N does not cover Medicare Part B excess charges, now this could be a big deal or nothing at all.  If a doctor accepts Medicare but is not assigned by Medicare he can legally charge you 15% over the Medicare approved amount.  You would then be responsible for that extra cost.

Excess charges may not pose a problem in some cases; in fact, certain states prohibit them. Unfortunately, Arizona is not among those states. According to the latest data, about 93% of doctors nationwide accept Medicare Assignment. If you thoroughly research and select a doctor or undergo a procedure, excess charges should not be an issue.

Medicare Advantage Plans in Arizona 2023

Medicare Advantage plans are offered by private insurance companies and often include coverage for dental, vision, and prescription drugs, along with the benefits provided by Part A. There are many Arizona Medicare Supplement plans to choose from in Arizona so we encourage you to contact us for more information.

For complete details on Medicare Supplement Plans Arizona, you can reach us by email on our contact us page or by calling 844-528-8688.  Remember there is never a fee for our services.