Medicare plays a key role in providing health and financial security to beneficiaries residing in Arizona. With more than 1.3 million Arizona beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in Arizona. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.
Medicare covers most Arizona residents who are 65 or older. In general, Medicare enrollment in Arizona works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.
When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:
In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.
Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.
Original Medicare Plans
(Part A and B)
Medicare Advantage & Other Health Plans
Part D (Drug plans)
Total Medicare Beneficiaries
For more information on how you can save money on your out-of-pocket costs with a Part C, Part D, or Medigap plan, please click the plans below to learn more. Licensed agents can also answer any of your questions and help you find a plan that fits your needs, lifestyle, and budget by clicking here.
About 40% of Arizona Medicare beneficiaries had Medicare Advantage plans as of 2020.
Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.
The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in Arizona who already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare.
According to the Centers for Medicare & Medicaid Services (CMS), as of 2020, there are 576,323 beneficiaries enrolled in Medicare Advantage and other plans in Arizona. As of 2020, a $0 premium was the lowest monthly premium for a Medicare Advantage plan in Arizona and there are Medicare Advantage plans for sale in all 15 counties in Arizona. However, plan availability varies considerably from one part of the state to another.
There are no insurers in Arizona that offer Medigap plans to people who are under 65 years old.
Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.
Medigap insurance carriers can choose not to offer Medicare supplements to beneficiaries who are under 65 in some states. Arizona happens to be one of these states. Unfortunately, if you’re under 65, you may not find a Medigap insurance carrier offering Medigap to you.
There are two initial times to enroll in a Medigap plan before and after you turn 65:
During this period, an insurance company can’t use medical underwriting.
Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.
As of 2020, there are 477,700 Medicare beneficiaries in Arizona enrolled in stand-alone Part D plans and 546,947 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are eight stand-alone Part D plans available in Arizona, with premiums ranging from about $12 to $98 per month.
When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.
Arizona’s State Health Insurance Assistance Program (SHIP): SHIP is a free health benefits counseling service for Medicare beneficiaries.
Contact: Call 1-800-432-4040
Arizona Department of Insurance: Provides information about health coverage and state services, including mental health services, preventing fraud, and how to file a complaint against an insurer.
Arizona Health Care Cost Containment System: Arizona’s Medicaid program provides help with health costs to low-income Arizona residents, including those on Medicare.
Contact: Call 1(855)HEA-PLUS (1-855-432-7587)
Arizona Legal Assistance Program: Established in accordance with the federal Older Americans Act, Arizona’s Legal Assistance Program provides seniors aged 60 and older with legal information, advice, and advocacy related to civil matters, such as health care, guardianship, and estate planning.
Contact: Call 1-855-432-7587
The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of Arizona. Our process makes it easier for you to access your Medicare eligibility in Arizona so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 399-4330 anytime to get a free quote or to ask any questions.
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