Finding Medicare Advantage Plans in Arizona
Sorting through Medicare and health insurance options is a complicated process. At Buffalo Health Advisors, our licensed health insurance agents will make that process simple. Call now to set up an appointment over the phone with a health insurance agent today.
How Do I Sign Up for an Arizona Medicare Advantage Plan?
In Arizona, you will automatically receive Medicare benefits if you meet the qualifications. Most Medicare plans are only available to residents aged 65 or over. However, in special circumstances, people younger than 65 may qualify for coverage. Typically, these include people who have long-term medical disabilities, such as end-stage renal disease.
Those who are age 64 turning 65 and are not receiving social security benefits, must sign in to their social security account and apply for Original Medicare, which includes Medicare Part A and Medicare Part B. If you are receiving social security benefits, you will be automatically enrolled in Original Medicare.
Arizona Medicare Advantage Plans
Advantage plans or MA plans, are regulated by the federal government but provided by private insurance companies. There are several types of MA plans available, which offer a variety of benefits, depending on your needs.
For your benefit, most Advantage plans can be sorted into four types.
Preferred Provider Organization (PPO) Plans
These plans allow subscribers to join a network of hospitals, doctors, and additional healthcare providers. When you receive medical care within this network, you will receive discounted costs and lower out-of-pocket expenses. Costs for this plan are subsidized by the government, which is why costs are lower compared to private insurance plans.
Learn more about Medicare PPO Plans.
Health Maintenance Organization (HMO) Plans
When compared to PPO plans, HMO plans offer even further discounts to Medicare Advantage benefits. However, HMO plans are much more limited in terms of coverage. You must select a primary care provider or PCP when you enroll in a plan, and you will only have benefits that are necessary to maintain your health.
HMOs also do not offer coverage out-of-network. Therefore, if you travel often and need to receive medical care, you will have to pay out of pocket medical expenses.
Another way to describe the ideal candidate for an HMO plan is people who are in good health that require little healthcare maintenance.
Private Fee-for-Service (PFFS) Plans
These plans offer the greatest amount of freedom when choosing a Medicare Advantage plan. One of the elements of these plans that allows for greater flexibility for subscribers is that a doctor or hospital can choose to accept the terms of the plan. They must choose to accept before services are given, and the provider may change their mind at any time.
Learn more about PFFS Plans
Arizona Special Needs Plans
SNPs allow beneficiaries to access Medicare benefits before turning 65 due to their medical needs. Typically, a subscriber must prove that they suffer from a chronic disease or medical condition before receiving benefits.
Some of the chronic conditions that qualify for PFFS plans include:
- End-stage renal disease
- Chronic heart failure
- Chronic and disabling mental health conditions (dementia, Alzheimer’s, etc)
- Diabetes mellitus
Qualifications for Arizona Medicare Advantage Plans
In order to be eligible for an Arizona Medicare plan, you must meet at least one of the following requirements:
- Be age 65 or older
- Have a diagnose for End-Stage Renal Disease
- Have been receiving benefits from the Railroad Retirement Board
- Be eligible for social security benefits
- Have evidence of a permanent disability
- Be enrolled in Original Medicare
Help Finding Arizona Medicare Advantage Plans
Don’t wait to start finding the right Medicare Advantage plan for you! Call one of our talented and licensed health insurance agents to start comparing your options today.