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Arizona is the 14th largest state in the USA by population size and the sixth-largest when measured according to the area. As per the statistics, the median age of males in Arizona is 48.4%, whereas it’s approximately 51.2% for females. The Commission on Aging noted that the state is projected to have the fastest-growing population of 65-and-older residents in the United States.

Healthcare expenses are on the rise in the US, which is problematic. It’s the older people who are more likely to fall ill, suffer from injuries, or get diagnosed with a health condition. However, the youth with disabilities also require similar forms of coverage so that any accidental or unexpected expenses that could occur can be taken care of without having to take on debt.

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Part A

Arizonians automatically receive Medicare Part A once they sign up for Medicare. It’s used to cover the expenses when hospitalized. A wide range of services can be acquired in Part A, including but not limited to in-home hospice care, inpatient care at either a hospital or a religious healthcare non-Medicare institution, and at-home health services, among others.

Some people find it difficult to understand the fairly complicated terms and conditions of Part A. But reaching out to experienced Medicareinsurance agents in Arizona will be beneficial for understanding the stipulations and understanding what applies to your situation and what doesn’t.

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Benefits of Medicare Advantage Plans for Medicare Beneficiaries in Arizona?

  • Nursing facilities by skilled inpatient care centers and hospitals
  • Outpatient services, including ambulance services, DME, doctor visits, urgent and emergency care, laboratory tests, X-rays, and prescription drugs that can’t be self-administered
  • Home healthcare
  • Prescription medication coverage
  • Preventive services like cancer screenings, depression screenings, and diabetes screenings
  • Depending on the plan, additional benefits likefitness and wellness programs at discounted rates, routine exams for hearing and vision with a grant for glasses or hearing aids, dental exams, and OTC medications.
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Key Categories of Medicare Advantage Plans in Arizona

Four main types of Medicare Advantage Plans are available for Arizonians, including PFFS (Private Fee-For-Service), PPO (Preferred Provider Organization), HMO (Health Maintenance Organization), and SNP (Special Needs Plan). Each varies in price and differs in terms of the flexibility level in the network of healthcare providers. Although all Medicare Advantage Plans offer similar coverages as Original Medicare, Arizonians can opt for additional benefits with a certain increase in premiums.

PFFS Plans

Private Fee-For-Service plans do not require specialistreferrals or primary care physicians. Arizonians can visit any Medicare-approved healthcare facility or practitioner that agrees to treat them and accepts the plan’s payment terms. If they don’t, it can result in a higher cost. Moreover, some plans cover drugs, while others require you to purchase a separate drug coverage plan.

PPO Plans

The Preferred Provider Organization planincludes the preferred provider network. They don’t require specialistreferrals or for you to choose primary care doctors. While drug coverage is generally included, you’ll need to pay a higher premium if you choose a hospital or doctor who isn’t part of the network.

HMO Plan

The Health Maintenance Organization plan limits Arizonians to receiving all services from the in-network healthcare providers. You can’t and don’t need to purchase additional drug coverage, as it’s usually included in HMO plans. However, you must have specialists’referrals, a PCP, some prescriptions, and prior authorization for treatments.


The Special Needs Plan is targeted at people with specific characteristics and conditions. SNPs include target benefits and care coordination tailored to the beneficiary’s particular needs. Arizonians require specialists referrals and a primary care physician. SNPs can be joined at any time by those eligible, and they include drug coverage, too.

Factors to Compare Before Investing in Medicare Advantage Plans in Arizona

Monthly Premium

This impacts your monthly cash flow because the premium would be beside the monthly one you pay for the Part B plan. You’re required to pay regardless of whether or not you access the benefits. You should have access to at least one zero-premium plan with drug coverage in your area.

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Medicare Enrollment in Arizona

Enrollment is available for people who qualify for disability or those above 65. If you’re looking to enrollin the Medicare Advantage Plan in Arizona, you cannot jointhe Medigap beforehand. You’re also required to be registered in Part A and B of Medicare.

For the disabled, you typically qualify if you’ve received a minimum of 24 Railroad Retirement Board (RRB) disability insurance or Social Security payments. Those with amyotrophic lateral sclerosis (ALS) or End-Stage Renal Disease (ESRD) can also enroll in Medicare Advantage Plans in Arizona.

The Enrollment Periods for Arizona

Initial Coverage Election

This refers to when you become eligible for the first time. The period includes three months beforethe person’s 65th birthday, their birthday month, and the following three months. In the case of disability qualification, the period commences three months after and before thetwenty-fifth month of getting the benefits.

Annual Election

This period extends from October to December, during which you can switch to a Medicare Advantage Plan from the Original Medicare. Those already registered in Medicare Advantage can switch in the said time period.

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Why Trust the Medicare Insurance Agents at Integrity Now Insurance?

Medicare Insurance Agents at Integrity Now Insurance Brokers are certified annually by America’s Health Insurance Plan (AHIP), so you can rely on our guidance for your Medicare Insurance needs.We work with senior citizens, youths with disabilities, and other individuals who may need help with Medicare and Medigap to take care of their medical expenses.

New Medicare insurance companies and plans enter the market every year. Existing plans can also see additions or reductions to their list of benefits. To save you time, we monitor all these developments for you.

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