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Redesign Page Format Medicare Supplements in Some State

Quick Facts

  • In Arizona, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Arizona to choose from.

What are the top 5 Medicare Supplement plans in Arizona?

The best Medigap plan in Arizona is the one that meets your health care needs without overextending your budget. Ideally, you will have a monthly premium that is less than the out-of-pocket costs that your plan eliminates.

Compare the following top five Medigap policies to see which plan options are right for you.

1. Best for Comprehensive Coverage – Plan F

  • The most comprehensive Arizona Medigap insurance policy for beneficiaries with a Medicare Part B effective date prior to January 1, 2020.
  • It Covers Medicare Part A deductible and Medicare Part B deductible.
  • Covers Part B coinsurance and excess charges plus copayments and foreign travel emergency expenses.

2. Best Extensive Coverage – Plan G

  • Plan G is the most comprehensive Medicare Supplement insurance plan in Arizona for beneficiaries with a Part B effective date after January 1, 2020.
  • For those also qualified for Plan F, Medicare Plan G offers lower premiums with almost the same benefits.
  • Covers Part A deductible but not Part B deductible.
  • Covers Part B excess charges and coinsurance plus copayments and foreign travel emergency expenses.

3. Best Coverage at Value Prices: Plan N

  • Less comprehensive coverage for lower monthly premiums.
  • Medicare Part B deductible and Part B excess charges are not covered.
  • Covers deductible for Medicare Part A.
  • Plan N Requires up to $20 copay for doctor’s office visits.
  • Requires up to $50 copay for emergency room visits. Copay is waived if the beneficiary is admitted.

4. Cheapest rates: High-Deductible Plan G

  • Offers the same benefits as Medicare Plan G once the annual deductible is met. You will pay the other 20% until you satisfy the $2,370 deductible.

5. Best for lower premiums: High-Deductible Plan F

  • Substantially lower premiums than original Medicare Plan F.
  • Beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
  • After the $2,370 deductible is satisfied, all the Plan F Medicare benefits apply.

Common Medicare Supplement Questions in Arizona:

When can I apply for an Arizona Medicare Supplement Plan?

Your eligibility for a Medicare Supplement insurance plan in Arizona begins the month that you enroll in Medicare Part B and are 65 years old. That month begins your Medigap Open Enrollment Period, which lasts for six months. You should sign up for a Medicare Part D plan at the same time, since Medigap insurance doesn’t include prescription drug coverage.

 

Medicare (Part A) Hospital Services–What Plan G Pays (Per Benefit Period)

Hospitalization

Semi-private room and board, general nursing, and miscellaneous services and supplies.

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First 60 Days All but $1,484 $1,484 (Part A deductible) $0
61st through 90th day All but $371 per day $371 per day $0
91st day and after:
• while using 60 lifetime reserve days • All but $742 per day • $742 per day • $0
• once lifetime reserve days are used, additional 365 days • $0 • 100% of Medicare eligible expenses • $0
• beyond the additional 365 days • $0 • $0 • All costs

Skilled Nursing Facility Care

Must have been in a hospital for at least 3 days and have entered a Medicare-approved facility within 30 days after discharge from the hospital.

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First 20 Days All approved amounts $0 $0
21st through 100th day All but $185.50 per day Up to $185.50 per day $0
• 101st day and after $0 $0 All costs

Hospice

Pain relief, symptom management, and support services for the terminally ill. You must meet Medicare’s requirements, including a doctor’s certification of terminal illness.

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
Hospice services All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Medicare copayment/coinsurance $0

Blood

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First 3 pints (Per calendar year) $0 100% $0
Additional amounts 100% $0 $0

Medicare (Part B) Medical Services–What Plan G Pays (Per Calendar Year)

Medical Expenses

Includes expenses in or out of the hospital and outpatient hospital treatment, such as physician’s services, inpatient and outpatient medical and surgical services and supplies, physical and speech therapy, diagnostic tests, and durable medical equipment.

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First $203 of Medicare-approved amounts $0 $0 $203 (Part B deductibe)
Remainder of Medicare-approved amounts Generally 80% Generally 20% $0

Part B Excess charges

A doctor may charge an amount for services that exceeds what Medicare covers. This is called an "excess charge." Medicare puts a 15 percent limit on the extra amount a doctor can charge.

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
Excess charges $0 100% $0

Blood

A doctor may charge an amount for services that exceeds what Medicare covers. This is called an "excess charge."

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First 3 pints $0 All costs $0
Next $203 of Medicare-approved amounts $0 $0 $203 (Part B deductible)
Remainder of Medicare-approved amounts 80% 20% $0

Clinical Laboratory Services

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
Tests for diagnostic services 100% $0 $0

Medicare (Parts A and B) Medical Services–What Plan G Pays

Home Health Care Medicare-Approved Services

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
Medically necessary skilled care services and medical supplies 100% 0% 0%

Durable Medical Equipment

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First $203 of Medicare-approved amounts $0 $0 $203 (Part B deductible)
Remainder of Medicare-approved amounts 80% 20% $0

Other Benefits Not Covered by Medicare–What Plan G Pays

Foreign Travel

Medical necessary emergency care services beginning during hte first 60 days of each trip outside the US.

SERVICES MEDICARE PAYS PLAN G PAYS YOU PAY
First $250 each calendar year $0 $0 $0
Remainder of charges $0 80% to a lifetime maximum benefit of $50,000 20% and amounts over the $50,000 lifetime maximum

Rates for Medicare Supplement Plan G

While the benefits of Medicare Supplement Plan G remain the same regardless of your insurance company (as mandated by the government), in some states the premium you pay may vary according to a number of factors, including age, location, gender, and overall health.

Cigna offers competitive rates and, in some states, a 7% household premium discount may be available for qualified applicants.

What Companies Sell Medigap Plans in Arizona?

There are more than 60 private insurance companies authorized to sell Medicare Supplement plans in Arizona. While each plan provides the same benefits regardless of the insurer, each Medicare insurance company competes in pricing.

Which is better, Plan G or Plan N?

Plan G is the best option if you want to maximize benefits and limit out-of-pocket expenses. Plan N is better if you prefer to pay lower monthly premiums while accepting some out-of-pocket costs.

How does Medicare Plan N differ from Plan G?

  • Plan N requires small copayments for doctor’s office and emergency room visits while Plan G covers all coinsurance costs.
  • Plan G covers Medicare Part B excess charges, but Plan N does not.

What are the top 5 Medicare Supplement plans in Arizona?

The best Medigap plan in Arizona is the one that meets your health care needs without overextending your budget. Ideally, you will have a monthly premium that is less than the out-of-pocket costs that your plan eliminates.

Compare the following top five Medigap policies to see which plan options are right for you.

1. Best for Comprehensive Coverage – Plan F

  • The most comprehensive Arizona Medigap insurance policy for beneficiaries with a Medicare Part B effective date prior to January 1, 2020.
  • It Covers Medicare Part A deductible and Medicare Part B deductible.
  • Covers Part B coinsurance and excess charges plus copayments and foreign travel emergency expenses.

2. Best Extensive Coverage – Plan G

  • Plan G is the most comprehensive Medicare Supplement insurance plan in Arizona for beneficiaries with a Part B effective date after January 1, 2020.
  • For those also qualified for Plan F, Medicare Plan G offers lower premiums with almost the same benefits.
  • Covers Part A deductible but not Part B deductible.
  • Covers Part B excess charges and coinsurance plus copayments and foreign travel emergency expenses.

3. Best Coverage at Value Prices: Plan N

  • Less comprehensive coverage for lower monthly premiums.
  • Medicare Part B deductible and Part B excess charges are not covered.
  • Covers deductible for Medicare Part A.
  • Plan N Requires up to $20 copay for doctor’s office visits.
  • Requires up to $50 copay for emergency room visits. Copay is waived if the beneficiary is admitted.

4. Cheapest rates: High-Deductible Plan G

  • Offers the same benefits as Medicare Plan G once the annual deductible is met. You will pay the other 20% until you satisfy the $2,370 deductible.

5. Best for lower premiums: High-Deductible Plan F

  • Substantially lower premiums than original Medicare Plan F.
  • Beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
  • After the $2,370 deductible is satisfied, all the Plan F Medicare benefits apply.

Related Topics

What are the top 5 Medicare Supplement plans in Arizona?

The best Medigap plan in Arizona is the one that meets your health care needs without overextending your budget. Ideally, you will have a monthly premium that is less than the out-of-pocket costs that your plan eliminates.

Compare the following top five Medigap policies to see which plan options are right for you.

1. Best for Comprehensive Coverage – Plan F

  • The most comprehensive Arizona Medigap insurance policy for beneficiaries with a Medicare Part B effective date prior to January 1, 2020.
  • It Covers Medicare Part A deductible and Medicare Part B deductible.
  • Covers Part B coinsurance and excess charges plus copayments and foreign travel emergency expenses.

2. Best Extensive Coverage – Plan G

  • Plan G is the most comprehensive Medicare Supplement insurance plan in Arizona for beneficiaries with a Part B effective date after January 1, 2020.
  • For those also qualified for Plan F, Medicare Plan G offers lower premiums with almost the same benefits.
  • Covers Part A deductible but not Part B deductible.
  • Covers Part B excess charges and coinsurance plus copayments and foreign travel emergency expenses.

3. Best Coverage at Value Prices: Plan N

  • Less comprehensive coverage for lower monthly premiums.
  • Medicare Part B deductible and Part B excess charges are not covered.
  • Covers deductible for Medicare Part A.
  • Plan N Requires up to $20 copay for doctor’s office visits.
  • Requires up to $50 copay for emergency room visits. Copay is waived if the beneficiary is admitted.

4. Cheapest rates: High-Deductible Plan G

  • Offers the same benefits as Medicare Plan G once the annual deductible is met. You will pay the other 20% until you satisfy the $2,370 deductible.

5. Best for lower premiums: High-Deductible Plan F

  • Substantially lower premiums than original Medicare Plan F.
  • Beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
  • After the $2,370 deductible is satisfied, all the Plan F Medicare benefits apply.

Common Medicare Supplement Questions in Arizona:

When can I apply for an Arizona Medicare Supplement Plan?

Your eligibility for a Medicare Supplement insurance plan in Arizona begins the month that you enroll in Medicare Part B and are 65 years old. That month begins your Medigap Open Enrollment Period, which lasts for six months. You should sign up for a Medicare Part D plan at the same time, since Medigap insurance doesn’t include prescription drug coverage.

What Companies Sell Medigap Plans in Arizona?

There are more than 60 private insurance companies authorized to sell Medicare Supplement plans in Arizona. While each plan provides the same benefits regardless of the insurer, each Medicare insurance company competes in pricing.

Which is better, Plan G or Plan N?

Plan G is the best option if you want to maximize benefits and limit out-of-pocket expenses. Plan N is better if you prefer to pay lower monthly premiums while accepting some out-of-pocket costs.

How does Medicare Plan N differ from Plan G?

  • Plan N requires small copayments for doctor’s office and emergency room visits while Plan G covers all coinsurance costs.
  • Plan G covers Medicare Part B excess charges, but Plan N does not.

What is the Best Supplemental Insurance to go with Medicare?

Which plan has the best benefits in Arizona?

Medigap Plans F and G have the most comprehensive coverage. They also come with the highest premiums. The high-deductible F and G plans are a good alternative for beneficiaries able to pay some out-of-pocket costs but who want to keep those comprehensive benefits.

How do I choose the best plan?

You get the best Medigap rates by comparing the benefits offered by each plan and then the rates offered by different private health insurance companies. Personal factors like your age and zip code will impact your pricing.

Think about the following when selecting a Medicare Supplement plan in Arizona:

Key Take Aways
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  • Three