Finding Best Medicare Supplements in Arizona

Many Arizona seniors, as they approach their 65th birthday and go on Medicare, are searching for the best Medicare supplement in Arizona. In today’s crowded Arizona Medicare market seniors have many choices. The correct choice will be different for each person, depending upon their health care objectives and economic realities. Looking at the big picture, seniors have two basic options: choose one of 14 standardized Medicare supplement policies or find a good Medicare Advantage plan. Either choice can be sound, depending upon your personal health care tastes. For now let’s look at some important factors to consider when shopping for the best Arizona Medicare supplement.

There was a time not too many years ago when Medicare supplements were the only choice for Medicare recipients. A good Medicare supplement gives a policy holder the most access to health care nationwide. With a Medicare supplement you can go to any doctor or health care facility in the nation that is willing to accept Medicare billing. This is very helpful to snowbirds and those who travel extensively for months at a time.

Unlike some Medicare Advantage Plans, Medicare supplement policies all come with a monthly premium. Many insurance companies offer a teaser premium for the first few years to attract new clients turning 65. Costs will vary from company to company. However, each company’s plans are all exactly the same. With all that parody in these insurance plans what should a Medicare recipient be looking for? Seniors should be looking for companies with:

• A track record of verifiable financial stability
• Excellent customer and bill paying services
• A history of consistent premium costs free of huge increases

This important information is not readily available to consumers. That is why consulting with an independent agent is a good starting point in finding the best Arizona Medicare supplement policy.

Of the 14 standardized Medicare supplement plans only two should be considered by most Medicare recipients – plan F and plan G. Plan is F is the most popular because it guaranties to cover a person up to the maximum allowed by Medicare for any Medicare approved service. This leaves little to chance and a policy holder will know that they should never receive a bill unless they have had a non-Medicare approved service or procedure. An example would be a face lift. Plan G is a little different in that it will not pay for any excess charges allowed by Medicare. A person with plan G must be vigilant that their providers will accept Medicare assignment.

Finding the best Arizona Medicare supplement is as easy as finding a dependable independent insurance agent to get real insight into the insurance companies you are considering. A good independent insurance agent will lay out the facts and enable you to make an educated decision.

If you need some additional information or help with your Medicare decisions feel free to call me at (602) 502-3113 or click here and email me and I will get right back to you.