Traditional or Original Medicare is not right for every situation, which is why many people opt for MA, which is Medicare Advantage. Arizona residents are automatically enrolled in Original Medicare when they are first deemed Medicare eligible, but they can choose Medicare Advantage if desired. The biggest difference between Original Medicare and Medicare Advantage is that Original Medicare is simply hospital and medical insurance, while Medicare Advantage Arizona plans cover hospitalizations, doctor's visits, and prescription medication costs. Some Advantage plans may also cover dental, hearing, and vision needs or may offer some other benefits.
This year 38% of Medicare beneficiaries in Arizona decided on a Medicare Advantage plan over Original Medicare. As the senior population in Arizona increases and healthcare information becomes more transparent under new laws, it’s no surprise that more and more seniors will be opting with a private Medicare Advantage plan. If you have a disability, you may also qualify for Medicare Advantage in Arizona. Open enrollment begins soon - trust HealthMarkets Insurance Agency to provide the personalized service you deserve and get you set up, at no cost to you.
Should You Choose Medicare Advantage in Arizona?
Many of those who are eligible for Medicaid prefer Advantage plans over Original Medicare. In fact, around 30 percent of Medicare eligible people choose MA plans. Some reasons to consider Medicare Advantage in Arizona include:
- MA must establish a mandatory out-of-pocket maximum for all Medicare services in Medicare A and B, hospitalization and medical insurance. Once this minimum is met, 100 percent of Medicare-eligible costs are covered. The mandatory maximum for any MA plan is $6,700, although some Advantage plans may have a lower mandatory minimum.
- MA plans usually include prescription drug coverage. This means that you do not need to enroll in a prescription drug program if you are enrolled in Medicare Advantage Arizona.
- Other services may be covered. From dentures to eye exams, some Medicare Advantage Arizona plans go beyond what Original Medicare covers.
HealthMarkets' licensed agents can help consumers to make informed decisions about whether to opt for Original Medicare or Medicare Advantage. Arizona licensed agents can explain the recommend plans and options from your region that will best suit your budget and your particular needs. Discuss your needs with HealthMarkets Insurance Agency before enrolling in Medicare Advantage in Arizona.