Medicare Advantage Plans in Arizona For More Information
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Medicare Advantage Plans Arizona we have helped our clients for over twenty six years with Medicare Supplement and Medicare Advantage plans. The choices you make should be based on professional information. We at Annuity Advisors are here to answer all of your questions, and help you make the best choices for your health care and retirement. We represent some of the foremost companies, such as Mutual of Omaha, Humana, and AARP United Health.We will be happy to make an absolutely free  personal appointment to answer all of your questions and make the process as easy as possible for you!

Medicare advantage in Arizona also known as Medicare Part C or Medicare managed care, are health plan options, such as Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs), approved by Medicare and run by private companies. Medicare pays these companies each month to provide all of your care. Anyone who applies with one of these plans during the appropriate enrollment period is usually accepted, including those people on Medicare due to disability. One exception would be an individual with end stage renal disease, or kidney failure. Enrollees will face a lock-in provision, meaning that once enrolled in a plan, you are in that plan until the end of the year before any change can be made.

 

These Medicare Advantage plans should not be thought of by Arizona Seniors as supplemental insurance, and individuals who enroll in these plans do not lose their Medicare coverage. Medicare Advantage plans provide all of your Medicare Part A (hospital coverage) and Part B (medical coverage) benefits and must cover all of the medically necessary services that original Medicare covers. In addition, many of these plans provide additional services not available in original Medicare. Medicare Advantage plans can charge different copayments, coinsurance and deductibles for their services, including those which were covered by original Medicare.
Medicare Advantage plans generally have networks of providers. Some plans, usually HMOs, require that you must use only doctors, hospitals and suppliers who are part of this network in order to have these services paid for by your plan. Additionally, most plans require that you get a referral from your primary care doctor before seeing a specialist, even if that specialist is in your network. If you use providers that are not in your plan's network, you may have to pay the entire cost of the covered service.

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Some plans, such as PPOs, allow you to use out-of-network providers, however you will likely pay higher copayments or coinsurance for these out-of-network services. Other plans, such as Private-Fee-For-Service plans (PFFS) or Medical Savings Accounts (MSA) have no networks or in the case of some MSAs, must allow you to use out of network providers. This does not necessarily mean that you can use any doctor or hospital you choose. The responsibility of ensuring that your doctor or provider will accept your plan lies with you.
Medicare Supplements A Phoenix AZ senior may be interested in purchasing a Medicare supplement plan (also called a medi-gap plan) to help pay for the piece of the medical bills that are not covered by Medicare Insurance. A good Medicare supplement plan will cover any co-payments, deductibles, any additional charges for that senior. Without good supplement insurance coverage, a senior citizen may end up paying for hundreds, or thousands in medical bills. Supplement plans do not include RX coverage.

 

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