Welcome, here you will learn about Arizona Medicare and Arizona Medicare supplemental insurance. The goal here is to supply you with the information needed to select a Medicare supplement plan that best meets your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
Just what is Arizona Medicare?
Arizona Medicare is simply Medicare operated within the state of Arizona. Medicare is the country’s health insurance program for everyone age 65 or older. Some people younger than age 65 can receive Medicare when they have specific disabilities. Medicare helps with the cost of healthcare, but it fails to cover all medical expenses or the cost of most long-term care.
When do I need to sign up for Arizona Medicare?
If you are not currently receiving retirement benefits it is best to contact Social Security around three months before your 65th birthday to enroll in Medicare. You can sign up for Medicare even when you do not want to retire at 65. Click here to go to the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers part of your medical expenses after you have been admitted to a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 per day for days 61-90 hospital room and board, $578 each day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 each day for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services and various medical services and supplies that are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs of the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors may charge up to 15% above what Medicare authorizes)
While Medicare will cover a large part of your Medical expenses there are plenty of gaps left for you to pay. These gaps can easily strain a person’s financial resources. A Arizona Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very affordable for most people.
Arizona Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized these plans. This means all plans identified by the same letter provide exactly the same coverage regardless if you purchase your insurance from Family Life, Mutual of Omaha, AARP, Blue Cross or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Arizona Medicare supplement plan F: This is easily the most common and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.
Arizona Medicare supplement plan G: This plan is just like Medicare supplement plan F with the exception of not covering the annual Medicare Part B deductible. For many people this is the smartest choice when you don’t mind paying the yearly deductible instead of the sometimes more expensive monthly premiums for Medicare supplement plan F.
Arizona Medicare supplement plan N: Unlike Medicare supplement plan F this plan has a bit of cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in exchange for lower monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while still giving you the freedom and stability of a Medicare supplement plan. This plan also does not cover excess charges.
There are many different insurance companies providing Arizona Medicare supplement plans and the rates can vary wildly from company to company. Many who do not use the services of an independent agent wind up paying over 40-50% extra for their insurance! It is a shame especially when getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.