Medicare Supplemental Insurance Quotes - Medicare Supplements Made Easy

Arizona Medigap Plans

Many upcoming beneficiaries in Arizona become confused between the phrases "Medicare Supplement Insurance" and "Medigap Plans". In Arizona, as in every other state, the two terms are interchangeable. "Medicare Supplement Insurance" and "Medigap Plans" are both frequently used terms to describe secondary insurance for Medicare.

Medicare is America’s form of health insurance for citizens 65 and older. Medicare is designed to cover 80% of all hospital and doctor costs, after Medicare beneficiaries fulfill two key deductibles.

As you may already know, Medicare is made up of four distinct parts, labeled A through D. Part A is Medicare’s form of hospital coverage. An example of a Part A cost would be the cost of the hospital room stay. Before Medicare will cover 80% of your Part A bill, you must fulfill a deductible of $1132 every 60 day benefit period. If you enter the hospital more than once a year, that cost could be financially devastating. Part B is Medicare’s form of doctor, or impatient, coverage. Before Medicare will step in and pay 80% of your Part B costs, you must fulfill an annual deductible of $162. Part C refers to Medicare Advantage plans, such as HMOs and PPOs. The "O" stands for organization, referring to the strict network of doctors and hospitals you are allowed to use while on the advantage plan.

These plans are low in monthly premium, however, the amount of out-of-pocket costs are unknown as you incur copays and deductibles on everything you do. Part D stands for your prescription drug coverage. Medicare has several Part D plans in every zip code to choose from. The plan that suits you best is based on your prescriptions. In summary, the remaining 20% of all Part A and Part B bills, the Part A deductible of $1132 every 60 days, and the Part B annual deductible of $162 are the three major gaps Medicare leaves you to cover unless you purchase the proper Arizona Medigap Plans.

Arizona Medigap Plans, as previously stated, are designed to cover some, if not all, of the gaps left behind by traditional Medicare. Arizona Medigap Plan F is the most popular and most comprehensive Medicare Supplement, as it covers literally every possible gap left behind by traditional Medicare. Plan F beneficiaries are only responsible to pay the monthly premium, nothing else. Monthly premiums are based on your zip code. Medicare Supplements Made Easy offers free quotes from all the highest-rated providers in your zip code. Call or click today!

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