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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, 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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Arizonian senior citizens and people with disabilities have several insurance options, including the Original Medicare plan, the Medicare Advantage, and Part D Prescription Drug coverage. They become eligible for Medicare at the age of 65. However, those who have been receiving disability payments for at least two years or have been diagnosed with disabilities are also eligible for coverage.

Currently, there are over 1,398,765 Medicare beneficiaries in Arizona, representing 3% of the population of the US and 2% of the state itself. Moreover, 100% of the Medicare beneficiaries in Arizona have access to Medicare Advantage plans, while the average monthly premium for the Medicare Advantage Plan in Arizona has decreased over the years to make it more accessible for the Medicare-Medicaid enrollees.

Medicare Advantage Plan covers benefits from hospital insurance (Original Medicare Part A), Medicare insurance (Part B), prescription drug coverage (Part D), and sometimes additional benefits that the Original Medicare doesn’t cover.


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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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Part B

Medicare Part B is one of the more commonly opted for medical coverage plans in the US. It covers a wide range of services, including but not limited to outpatient care, blood purchase, doctor visits, medical equipment, and more. It’s deducted every month, after which you’re liable to pay 20% of the Medicare-approved service cost with no cap on the amount.

Professionals heavily recommend Medicare Part B as many people end up spending not only their income but also their life savings dealing with illnesses like cancer. With Medicare, your overall expenses in this regard are significantly less, and the initial costs are well within your means. You also get other preventive services, including diabetes screenings and flu shots, for free from Medicare accepting service providers, which is impressive.

Part D

Medicare Part D, commonly known as prescription drug coverage, is another valuable coverage plan. It’s an optional service that helps make up for prescription drug expenses. Part D also offers copay possibilities that a Medicare insurance company in Arizona could guide you on.

It’s important to know that Part D has a limit on what expenses the plan will provide you with because once you’ve exceeded the limit, you’ll be paying for all the extra prescription expenses on your own. When you and the insurer spend a particular amount on your medical prescriptions, the gap will be met, and you won’t be covered for the expenses.


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 like fitness 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 specialist referrals 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 plan includes the preferred provider network. They don’t require specialist referrals 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 from receiving all services from 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 specialist 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 specialist 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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Provider Network

Keep costs down by ensuring your hospital, doctors, and pharmacies are all in the same network.

Out-of-Pocket Max

For Medicare-covered services, this is the most you’ll have to pay if you adhere to the plan’s in- and out-of-network coverage guidelines and do not exceed the premium, deductible, and medication costs.

Drug Coverage

Each time you get a prescription, check to see if your medication is on the plan’s formulary and what its cost is. You can discuss whether you require a generic or alternate version of the medication with your trusted healthcare provider.

Coinsurance & Copays

Often referred to as cost-sharing, you’re responsible for these costs when you use your benefits. Find out how much your insurance covers for doctor’s appointments, treatments, services, and prescriptions.


This is the amount you must pay before the insurance plan starts to help cover costs. Medicare Advantage Plans have set deductibles that typically change every year.

Extra Benefits

Most Medicare Advantage Plans cover prescription medications, but some also include additional benefits that the Original Medicare doesn’t cover. Think about the additional benefits that are crucial to your situation. You might require hearing or vision benefits, dental services, transportation to doctor’s visits, discounted gym memberships, and other targeted services. To get more comprehensive coverage in Arizona, you may have to pay a premium if your plan requires you to use only network providers. Medicare Advantage Plans often tailor the benefits to meet the particular needs of chronically ill beneficiaries.


Medicare Enrollment in Arizona

Enrollment is available for people who qualify for disability or those above 65. If you’re looking to enroll in the Medicare Advantage Plan in Arizona, you cannot join 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 before the 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 the twenty-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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Open Enrollment Period

The open enrollment period from January to March allows you to go back to your Original Medicare or switch between the Medicare Advantage Plans.

Check with reliable Medicare insurance agents in Arizona to learn about special enrollment periods for rare situations, like if you move out of the insurance carrier’s area or lose your health coverage because you lost employment.

Medicare Advantage Plan vs. Medigap

If you’re on original Medicare, private insurance companies’Medicare supplement plans (Medigap) can help you cover costs like copays and coinsurance. You’ll experience some significant bills in your case despite having Parts A, B, and D. In such cases, speaking to a Medicare insurance agent in Arizona will help you get more customized help. They can help you learn about Medigap, which helps gap the bridge for certain expenses that might be covered by one kind of Medigap insurance. However, Medigap isn’t a standalone service and acts as a supplement to Medicare. If Medicare doesn’t work with your current service provider, Medigap won’t work as well.

Moreover, the benefits of Medigap insurance are governed at the federal level as per federal regulations. They’re consistent across all insurers and states (except for three states with waivers allowing them to change how they standardize plans).

Medicare enrollees have a six-month opportunity to enroll in Medigap plans under federal laws that guarantee them an issue. This process begins once they turn 65 and sign up for Medicare Part B. However, federal regulations do not guarantee access to Medigap insurance for anyone under 65 enrolled in Medigap due to a disability.

Moreover, guaranteed issue rights vary from state to state. Make sure to speak with one of our certified Medicare Insurance Agents. They will investigate and inform you whether you fall under a given guideline.


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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An insurance representative for Medicare in Arizona will assess your healthcare requirements and weigh up all the available possibilities. This includes determining if a Medicare Supplement Plan or a Medicare Advantage Plan is better for you.

Your best interests are our only concern as independent Medicare insurance agents. Since we’re an independent Medicare insurance agency, we have access to all of Arizona’sleading Medicare insurance providers and can provide fair suggestions on which Medicare insurance provider might be the best fit for you. We help you compare quotes and select the Medicare insurance plan that is both within your budget and the best fit for your specific situation.

Give us a call to talk to one of our knowledgeable representatives, waiting to provide you with all the information you need to get started on a plan that helps you live a debt-free and stress-free life.


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