Medicare Advantage is an alternative to traditional Medicare that’s offered by private insurance companies.
medicare advantage arizona plans
Medicare Advantage plans are rated every year on a 5 Star rating system, there are other key factors when evaluating the many options residents of Maricopa County have to choose from. First of all, Medicare Advantage plans in Maricopa county are very generous compared to other parts of the country. Most of the plans in Phoenix are zero premium, include Part D drug coverage, hearing, vision and other benefits above traditional
Medicare. You must have Medicare Parts A and B to enroll in any Advantage plan.
To qualify for a Medicare Advantage plan, you need to:
• Be enrolled in Original Medicare, both Part A and Part B.
• Live in the coverage area of the plan you want to enroll in.
• Not have end-stage renal disease (ESRD). There are exceptions, so if you have ESRD and want to sign up for a Medicare Advantage plan, you can ask your plan, or Medicare, about exceptions. Medicare’s contact information is at the end of this article.
You can enroll in a Medicare Advantage plan during your Initial Coverage Election Period (ICEP):.
• If you sign up for Medicare Part A and Part B when you first qualify for Medicare, you can enroll in Medicare Advantage at that time as well. Your ICEP is usually a seven-month period that starts three months before the month where you turn 65, and runs through your birth month, and continues for the three months after that.
If you delay enrollment in Medicare Part B (for example, if you’re covered through an employer’s plan), your ICEP is the three-month period before your Part B start date. For example, if you enrolled in Part B during the General Enrollment Period (January 1 to March 31), your Part B start date would be July 1, so your ICEP would be April 1 to June 30.
Medicare Advantage plans are plans offered by private companies that contract with Medicare to provide all of your Medicare Part A and Part B benefits. In most cases, Medicare Advantage plans also offer Medicare prescription drug coverage. There are various types of Medicare Advantage plans, including HMO, PPO, cost-based, HCPP, Medicare Medical Savings Account and private fee-for-service plans. If your plan is considered out of network, your out-of-pocket expenses will be higher. As a general rule,
Medicare Advantage plans should process the same as Medicare.
The Medicare Rights Center has an interactive tool that provides easy-to-use information about enrollment and plan options. And if you want state-specific details, the State Health Insurance Assistance Program (SHIP) can tell you more about offerings in your area. To find your state’s SHIP program,
Assessing your coverage options and finding the best plan can be confusing. “It can be daunting to sort through the advertising and sales pitches, but there are resources available for unbiased advice and information,” says Jane Sung, a senior strategic policy adviser at the AARP Public Policy Institute.
a trained counselor.
People who are struggling to pay bills may be able to get help through the Medicare Savings Program. To find out whether you’re eligible, go to benefitscheckup.org or contact your local Medicare Savings Program office.