Many Arizona seniors, as they turn 65 and sign up for Medicare, they are looking for the best Medicare supplement in Arizona. In today’s overcrowded Arizona Medicare market, seniors have many options. The right choice will be different for each person, depending on their health goals and economic realities. Looking at the big picture, seniors have two basic options: choose one of 14 standardized Medicare supplement guidelines or find a good Medicare Advantage plan. Any choice can be healthy, depending on your personal health requirement. Now let’s look at some important factors to consider when shopping for the best Arizona Medicare supplement.
There was not a time many years ago when Medicare supplements were the only choice for Medicare beneficiaries. A good Medicare supplement gives a policyholder the most access to health care nationwide. With a Medicare supplement, you can go to any doctor or health facility in the nation that is ready to accept Medicare billing. This is very helpful for snowbirds and those who travel extensively for months.
Unlike some Medicare Advantage Plans, 2020 Medicare Supplement plans all come with a monthly premium. Many insurance companies offer a teaser premium in the early years to attract new customers who are 65 years old. The costs vary from company to company. However, each company’s plans are exactly the same. With all this parody in these insurance plans, what should a Medicare beneficiary look for? Seniors should search for companies with:
- A track record of demonstrable financial stability
- Excellent customer and invoice payment services
- A track record of consistent premium costs without big increases
This important information is not readily available to consumers. Therefore, consulting with an independent agent is a good place to start to find the best Arizona Medicare supplement policy.
Of the 14 standardized Medicare supplement plans, only two should be considered by most Medicare beneficiaries – Plan F and Plan G. Medigap Plan F is most popular as it guarantees a person up to the limit permitted by Medicare for any Medicare-approved service. This leaves little to chance and a policyholder will know that they should never receive an invoice unless they have a non-Medicare approved service or process. An example here is a facelift. Plan G is a bit different as it does not pay for the extra costs allowed by Medicare. A person with Plan G must be sure that their providers will accept Medicare allocation.
The best time for any of these types of insurance plans is usually when you are about 3 months from 65. This will ensure there is sufficient time to get the plan, your ID cards in the post office, and have your doctor selected. Although with Medigap insurance you can visit any doctor or hospital that accepts Medicare.
Finding the best Arizona Medicare supplement is as easy as finding a reliable independent insurance agent to get a real look at the insurance companies you are considering. A good independent insurance agent will reveal the facts and help you make an informed decision.