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Best Medicare Advantage Plans In Arizona for 2020

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Some of the best Medicare Advantage plans in Arizona for 2020 are a great choice for many people who are enrolled in Medicare Part A and Medicare Part B. You’ll have a Medicare Advantage enrollment period when you first become enrolled in Medicare Part A and Part B, and this is a good time to consider enrolling in one of the Medicare Advantage plans in Arizona. Before you do this, though, you’ll need to know more about these policies so that you can make sure that a Medicare Part C plan in Arizona is right for you and so that you can choose the best plan for your needs. Luckily, we are here to help. After reading this quick guide about Medicare Advantage plans, you can use our website to shop for quotes, or you can give us a call and talk with one of our licensed insurance agents for one-on-one assistance.

Overview of Medicare Advantage Plans in Arizona for 2020

Before you sign up for a Medicare Advantage plan in Arizona, you’ll probably want to know what these policies are. Unlike Medicare Supplement plans, which work along with Original Medicare, Medicare Advantage plans work as a type of replacement for Medicare Part A and Part B.

These policies offer more coverage than Original Medicare offers. With Original Medicare, you have to worry about coinsurance, copayments (copays), deductibles and more. In exchange for reasonable premiums (and sometimes $0 premium), you can enjoy better coverage with a Medicare Advantage plan.

Best Medicare Advantage Plans in Arizona: When Can You Enroll?

If you want to become a beneficiary of one of these plans, you’ll have plenty of opportunities to do so. These are the different periods during which you can enroll in Medicare Advantage.

  • Medicare Initial Coverage Election Period ICEP: When you first sign up for Medicare Part A and Part B, you’ll have an initial period when you can shop for a Medicare Advantage plan. This is a good time to compare coverage and rates so that you can sign up for the best plan for you. Then, you’ll have coverage from the first days of your Medicare enrollment, allowing you to save a lot of money on out-of-pocket expenses.
  • Medicare Annual Election Period AEP: The AEP runs from October 15 to December 7. During this period, you can sign up for, disenroll or change your Medicare Advantage.
  • Medicare Advantage Disenrollment Period MADP: This was once the period when you could disenroll from a Medicare Advantage plan and go back to Original Medicare (Medicare Part A and Part B), but this has now been discontinued.
  • Medicare Advantage Open Enrollment Period MA OEP: From January 1 to March 31st each year, you can change your MA policy.
  • Medicare Special Election Periods SEP: An SEP is triggered for individuals in certain situations so that they can shop for a plan. For example, if you were once dual-eligible for Medicare and Medicaid but are no longer eligible for Medicaid, an SEP will be triggered so that you can shop for a plan. If you move or lose coverage through your employer, one of these periods will be triggered, too.

Best Types of Medicare Advantage Plans in Arizona for 2020

Medicare Advantage plans in AZ vary based on the type of policy that you choose and the insurance company that you buy your plan from. These are the different options you can choose from when shopping for a Medicare Advantage plan to enhance your Original Medicare benefits.

PPO Preferred Provider Organization Plans (PPO) in Arizona

  • These plans do have a provider network service area
  • You are not required to visit an in-network doctor or hospital, but you will enjoy lower pricing when seeing health care providers in the insurance company’s network.
  • You do not have to worry about referrals when seeing a specialist

HMO Health Maintenance Organization Plans (HMO) in Arizona

  • These are typically the most affordable policies. Some plans don’t even require you to pay a monthly premium, although you may still have to pay the Medicare Part B premium
  • You must see in-network providers, except in emergency situations
  • You will be required to see a primary care doctor (PCP) for referrals

Private Fee-for-Service PFFS in Arizona

  • This type of private plan determines how much the insurance company pays and how much you pay for healthcare services
  • There are no network restrictions

Special Needs Plans SNPs in Arizona

  • Special Needs Plans are designed for individuals with some chronic health conditions or institutional conditions, such as end-stage renal disease ESRD
  • Insurance companies are required to include Medicare Part D prescription drug plans in these policies

Medicare Medical Savings Account MSA in Arizona

  • Includes high deductible health plans
  • Includes a special savings account that is used for covering health care costs

Enrollment Figures for Arizona Medicare Advantage Plans

  • The five largest counties in Arizona are Maricopa, Pima, Pinal, Yavapai, and Cochise.
  • There were 1,279,721 Medicare beneficiaries in Arizona in 2018.
  • 486,758 of Medicare beneficiaries in Arizona were enrolled in Medicare Advantage in 2018.

How do 2020 Medicare Advantage Plans in Arizona Cover Prescription Drugs?

Many Medicare Part C policies in Arizona include Medicare Advantage prescription drug plans. Choosing one of these policies during your Medicare Enrollment Period will prevent you from having to purchase a stand-alone plan.

Not all of these policies offer the best coverage; it depends on the health insurance company that you are shopping for Medicare plans with. Check out the formulary and prescription drug tiers to be aware of what will and will not be covered by your prescription drug coverage.

Network Restrictions for Medicare Advantage Plan in Arizona

Medicare Part A and Medicare Part B do not have network restrictions, but many Medicare Advantage policies do, depending on the plan type. This can affect where you can go to see the doctor or go to the hospital.

  • In-Network vs. Out-of-Network Within Coverage Area: HMO Medicare Advantage plans only pay for out-of-network care in emergency situations. PPO Medicare Advantage plans cover out-of-network care, but pricing is not as affordable.
  • Traveling With Plan: With both health maintenance organization HMO plans or preferred provider organization PPO plans, you can have peace of mind knowing that emergency care will be covered. With a PPO, you can take advantage of out-of-network help even outside of emergency situations, although your costs will be higher.
  • Moving Across State Lines: Medicare Part A and Part B aren’t affected when you move since they offer the same coverage in all 50 states. With Medicare Part C in Arizona, though, you have to change policies if you move to another state. Fortunately, an SEP will be triggered so that you have the chance to do so.

Added Benefits of Medicare Advantage Plan in Arizona for 2020

After you’re eligible for Medicare, you might like the idea of signing up for Medicare Advantage because of all of the extra perks that might be included. These are some of the examples of perks that you might be able to enjoy as a beneficiary. In addition to comparing rates, you may want to compare perks when choosing a policy so that you can make the most out of your policy.

  • Hearing care, routine vision, and dental care
  • Wellness programs
  • Silver Sneakers or other similar gym membership
  • Recommendations for diet and nutrition
  • Allowance for over-the-counter medication costs
  • Healthy living seminars and classes
  • Transportation to and from medical appointments
  • Payment of some or all of the Medicare Part B premium
  • Starting in 2020, insurance companies that provide Medicare Advantage plans in Arizona will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
  • The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in Arizona.

Arizona Medicare Resources

Check out these helpful resources for more information and help:

In addition to using the resources above, you can give us a call so that we can help you out. We can help you with a complete description of benefits of each policy that you’re interested in, and we can help you shop for policies with or without Part D plans from companies that rank well on the 5-star rating system, such as Healthspring, Cigna, AetnaHumana and more. Whether you live in Maricopa County or elsewhere in Arizona, give us a call so that we can help you out.