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Offering Medicare Supplement ( Medigap )& Medicare Advantage plans from Arizona's leading carriers
- Medicare Advantage plans from Aetna, Cigna, Health Net, and Humana
- Medicare Supplements or Medigap plans from AARP, Blue Cross and Blue Shield of Arizona and Mutual of Omaha
- Stand Alone Part D (PDP) drugs plans.
Medicare supplements or MediGap plans work with your original Medicare Part A & B. The plans A- L are the same with every carrier. The only difference between plan F from one carrier to another is the monthly premium and the quality of the insurance company. All benefits are the same. They are regulated and standardized by the government. These plans DO NOT include part D drug plans. Part D drug plans can be purchased on a stand alone basis from the insurance carrier of your choice. Enrollment periods DO NOT apply.
Medicare Advantage (MA or MAPD) plans : There are three types of Medicare Advantage plans, Health Maintenance Organization (HMO), Preferred Provider Organization (PPO) and Private Fee For Service ( PFFS) . These plans are administered by private insurance companies and are subsidized by the federal government. They are the most affordable plans with many having a $ 0.00 monthly premium. These plans may include a Part D drug plan. They generally have copays for most services. Enrollment periods apply for MA and MAPD plans.
Stand Alone drug plans ( PDP ) Part D are for prescriptions only. Part D plans can be included in a Medicare Advantage plan or purchased as a stand alone plan to provide drug coverage with Medicare Supplements, Medigap or Private Fee for Service plans ( PFFS ) Enrollment periods apply for part D drug plans.
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