Seniors from Arizona who choose a 2016 Medicare Advantage plan have good options. When you enroll, your Original Medicare private-fee-for-service benefits are replaced with an approved managed care plan that saves you money.
Some rural areas don't offer plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
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How-To Enroll in Medicare Advantage
Most people living in Arizona, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. Medicare Advantage
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Arizona Medicare Part D Plan (prescriptions) and Arizona Medicare Supplement Insurance.
A Medicare Supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our Arizona Medigap Plans page for more information. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
About Our 2016 Medicare Part C Information
We collect Medicare health insurance information from public files on the Centers for Medicare and Medicaid Services (CMS) website. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote.
For additional information go to the CMS website at: http://cms.gov. This page is maintained by David Bynon and was last updated on .