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Medicare Supplement Insurance Plans in Arizona

Medicare Supplement insurance plans in Arizona are designed to work alongside Medicare Part A and Part B coverage. These plans help pay some of the costs Medicare doesn’t pay for covered services. Medicare Supplement insurance plans have standardized basic benefits.

How do Medicare Supplement insurance plans in Arizona work?

Medicare Supplement insurance plans in Arizona are sold by private insurance companies. Also referred to as Medigap, these plans fill in gaps in Original Medicare coverage.

Coverage might include out-of-pocket costs such as deductibles, coinsurance, and copayments. All Medicare Supplement plans typically cover:

  • Medicare Part A copayment/coinsurance and hospital costs for an additional year after Medicare benefits run out.

  • At least some coverage of hospice care – most plans pay the entire Medicare Part A copayment/coinsurance.

  • Medicare Part B coinsurance/copayments (a portion, or up to 100%, depending on the plan).

You can choose from a variety of Medicare Supplement insurance plans in Arizona, which are each named by a letter. However, you need to apply for and be accepted by the plan.

There are up to 10 standardized lettered plans.


 Plans C and F will no longer be available to people new to Medicare starting on January 1, 2020. Plans C and F cover the Medicare Part B deductible. Congress passed a law that stops Medicare Supplement plans from providing coverage for the Part B deductible for those newly eligible for Medicare in 2020 and later.

However, if you currently have a Medicare Supplement Plan C or Plan F, you can continue this coverage. If you were able to purchase a Plan C or Plan F before January 1, 2020, but did not, you can still apply for either Medicare Supplement insurance plan from any of the major insurance carriers offered here in Arizona.

Each lettered Medicare Supplement plan must offer the same basic set of benefits regardless of the private insurance company offering it. Some plans might offer extra benefits.

How much do Medicare Supplement plans in Arizona cost?

While same-lettered Medicare Supplement plans in Arizona offer the same basic benefits, premiums may vary based on the insurance company offering the benefits. Premiums also vary based on the Medicare Supplement plan’s coverage. Generally, Medicare Supplement plans that provide more coverage cost more than plans that cover only a portion of Original Medicare’s out-of-pocket costs. Medicare Supplement insurance sold today does not cover prescription drug coverage, which is sold separately.


Finally, when you buy a plan can affect the cost of a Medicare Supplement insurance plan in Arizona. You may choose to buy a Medicare Supplement insurance plan in Arizona during your six-month Medigap Open Enrollment Period, which begins on the first day of the month that you’re both at least 65 years old and enrolled in Medicare Part B. During this period, insurance companies are not allowed to deny coverage or charge higher premiums due to pre-existing medical conditions. After the Medigap Open Enrollment Period (OEP), you can apply for a Medigap plan anytime – but your acceptance isn’t guaranteed except during your Medigap OEP. After your OEP, an insurer for a Medicare Supplement plan in Arizona can charge a higher premium or refuse to accept your application if you have a health condition.


How do Medicare Supplement insurance plans in Arizona compare?

Medicare Supplement plans in Arizona are popular. In 2018, 61% of Medicare beneficiaries living in Arizona had Original Medicare, according to the Centers for Medicare & Medicaid Services. You might want to start comparing Medicare Supplement plans in Arizona today.



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