Medicare Plans in Arizona in 2022
Medicare is a federal health insurance program that pays for some of your healthcare costs once you turn 65. Believe it or not, where you live has a significant impact on what types of Medicare coverage you have access to.
Being aware of your state-specific Medicare rights can help you to find the best plan options possible. That’s why it’s so important to have a good understanding of the nuances of Medicare in your state. Below we’ll be explaining your Medigap, Medicare Advantage, and Part D options in Arizona.
How To Apply for Medicare in Arizona
If you are an Arizona resident who is only interested in enrolling in Original Medicare, you can do so through your local Social Security office. You can sign up in-person, online, or over the phone as early as three months before your 65th birthday.
However, if you want to enroll in a Medicare Advantage plan, Medicare Supplement Insurance, or Part D drug coverage, we recommend contacting a licensed insurance agent. They can walk you through the process and help you to find the right plan for you.
Reach out to an experienced insurance agent here at Medicare Plans Direct today to have all of your Medicare-related questions answered.
Medicare Supplement Plans in Arizona
Which Medigap plans are available to you in Arizona will depend on a number of factors, such as which insurance company you enroll with and where you reside.
There were 340,158 Arizona residents enrolled in Medicare Supplement Insurance in 2019. This figure represented a little over a quarter (25.9%) of the total of Medicare enrollees in the state that year.
The most popular Medigap plans in Arizona include Plans F, G, and N. These plans offer some of the most comprehensive coverage around.
However, beneficiaries who first became eligible for Medicare on or after January 1, 2020 will no longer be allowed to enroll in Plan F. Plans G and N are good alternatives.
Medigap Enrollment in Arizona
If you are interested in enrolling in Medigap insurance in Arizona, the best time to do so is during your Medigap Open Enrollment Period (OEP).
This occurs when you first become eligible for Medicare and enroll in Part B, and it lasts for 6 months. During this time, you can enroll in any Medigap plan offered in your area regardless of your health history.
Unless you qualify for a guaranteed issue right, you may have to undergo medical underwriting if you want to sign up for a Medigap plan after your OEP finalizes. In this case, insurance companies reserve the right to deny you coverage and/or charge you higher rates.
The state of Arizona does not authorize any special guaranteed issue rights aside from the minimal federal standards. Some examples of guaranteed issue rights include moving out of your Medicare Advantage plan’s coverage area or losing your employer coverage.
Beneficiaries under the age of 65 who qualify for Medicare because of a disability are not granted any special Medigap protections in Arizona. They can try to enroll in Medicare Supplement Insurance during their 6 month Medigap OEP, but insurance companies are not required to provide them coverage.
In 2021, there were only two Medigap insurance companies in Arizona that sell Medicare Supplement Insurance to beneficiaries under the age of 65. However, it is common for these individuals to face significantly higher premiums should they choose to enroll in a Medigap plan.
People who enroll in Medicare before they turn 65 will have another OEP during the six months following their 65th birthday. When this happens, they are allowed to sign up for any Medigap plan offered in their area without having to undergo medical underwriting.
Medigap Premiums in Arizona
Medigap premiums in Arizona can be influenced by a number of factors. Which plan you choose, when you enroll, and the company you enroll with can all impact how much you pay for your Medicare Supplement Insurance monthly premium.
Arizona Medigap insurance companies can use an attained-age rating system when it comes to determining monthly premiums. This means that your monthly premium will likely increase as you get older, which is important to consider when choosing a Medigap plan.
Other companies may choose to offer issue-age rated plans. In this case, premiums are determined by the age you were when you enrolled in the policy.
As of 2021, there were 65 Medigap insurance companies in Arizona. Though Medigap plans’ benefits are federally standardized, companies can decide how they want to set premium rates. For that reason, we always recommend consulting with a Medicare expert before deciding on a Medicare Supplement to ensure that you are getting the best value plan for you.
Medicare Advantage Plans in Arizona
Another coverage option for people looking for more benefits than those offered by Original Medicare is Medicare Advantage. Also known as Part C, these plans provide the coverage that you get under Original Medicare on top of additional benefits, which can include drug coverage, hearing coverage, vision coverage, dental coverage, and more.
Many Arizona residents over the age of 65 choose Medicare Part C as their preferred coverage option, and 45.1% of Medicare beneficiaries in the state were enrolled in a Medicare Advantage plan in 2021. There are 155 Medicare Advantage plans available in Arizona in 2022.
100% of Medicare beneficiaries have access to at least one Medicare Advantage plan in 2022. However, which Medicare Advantage plans you have available to you depends on where exactly you reside, as plan availability varies from county to county.
For example, Medicare enrollees who live in Maricopa County can choose between 88 plans in 2022, while residents of smaller counties have significantly fewer options (there are only 16 plans offered in Navajo County).
When it comes to monthly premiums, what you pay for your Medicare Advantage plan depends on where you live, the plan that you choose, and more. In 2022, the average Part C monthly premium for Arizona Medicare beneficiaries is $11.64. Plus, all Arizona Medicare enrollees have access to at least one plan with a $0 monthly premium.
Deciding which is the right Medicare Advantage plan for you is best done with the help of an experienced insurance agent. Here at Medicare Plans Direct we help you make the best Medicare choices possible at no extra cost to you. Reach out today to receive free Medicare advice.
Medicare Part D in Arizona
Another thing for Arizona Medicare beneficiaries to keep in mind is their Part D prescription drug plan options. In 2022, there are 27 stand-alone prescription drug plans available to Arizona Medicare enrollees.
How much you will have to pay for your Part D premium depends on where you live and which insurance company you purchase your plan through. In 2022, the average Part D premium in Arizona is $51.06.
You can also find drug plans with $0 deductibles, though insurance companies usually charge higher monthly premiums for these plans. In 2022, there are six no-deductible plans available to Arizona residents, and the lowest-cost stand-alone drug plan with a $0 deductible has a monthly premium of $59.00.
It is usually a good idea to enroll in Medicare prescription drug coverage when you are first eligible if you foresee it being necessary in the future. If you don’t sign up for Medicare Part D when you first qualify and don’t have some other form of creditable drug coverage, you could face late enrollment penalty fees down the road.
You can get prescription drug coverage with some Medicare Advantage plans, but if you are enrolled in Original Medicare and/or a Medigap policy, you will need a stand-alone drug plan to cover your prescription medication costs.
At Medicare Plans Direct, we’re here to help you navigate your Medicare enrollment journey. Reach out today for a free consultation with a licensed insurance agent.