Arizona Medigap quotes are easy to obtain and can help tremendously in sorting through the many choices for Medicare supplement insurance. Medicare Supplements are Federally-standardized so there is no variation in coverage from one company to another. However, the prices and company reputations can vary quite a bit. Because of that, it is essential to get quotes from many companies for your comparison. You can do this through an independent agent, or broker.
There are three important things to understand when comparing Arizona Medigap plans:
- First and foremost, the plan coverage is Federally-standardized, so no matter what company you purchase your plan from, the coverage will be the same. In addition, all plans can be used at any doctor/hospital that takes Medicare – there are no networks. And, all plans pay claims the same way. That is to say that the claims are all paid through the Medicare “crossover” system, so there is little to no involvement by the consumer in the claims process.
- Next, you should understand the levels of coverage, ranging from Plan F, the highest level of coverage, to lower levels of coverage like Plan G and Plan N. Plan F covers everything that Medicare doesn’t cover so that you don’t have any out of pocket costs at the doctor/hospital. Lower levels of coverage have correspondingly lower premiums, but do not fill in all of the Medicare “gaps” like ‘F’ does.
- Lastly, you should understand how and when to compare and choose an Arizona Medigap plan. Contrary to popular belief, you can sign up for a Medicare Supplement plan at any time. Many people believe that you can only sign up during an annual enrollment period. On the contrary, there is actually NOT an annual enrollment period for Medicare Supplement plans. There is an INITIAL enrollment period, which lasts for 6 months after you turn 65 or enroll in Medicare Part B. But after that period, you can enroll in, or change, your Medicare Supplement plan at any time. You just have to answer health questions (in most situation) when you sign up for a plan or make a switch.
To get Medicare Supplement quotes for Arizona, please visit our website. Request the quotes and they will be sent to you by email. Or, if you prefer, you can reach us by phone at 877.506.3378.