background preloader


Facebook Twitter

Medicare Insurance Arizona – Your Trusted Arizona Independent Insurance Agency!

How Does Medicare Work? - Medicare Insurance of AZ. Most people opt for Plan F, which usually covers all deductibles and expenses, even those that occur abroad.

How Does Medicare Work? - Medicare Insurance of AZ

And even though the premium is high, it can still be worthwhile for many senior citizens. Another significant benefit of Medigap is flexibility and options. You can shop around and find a policy with optimal coverage for your needs. Generally speaking, Medigap premiums are often higher than Medicare Advantage premiums. However, under Medigap policies you receive broader coverage, and you eliminate co-pays. Quick Reference Guide for Railroad Disability Medicare - Medicare Insurance AZ. If you are 65 and eligible for Medicare but not receiving RRB benefits at the time, contact your local field office to get enrolled in Medicare.

Quick Reference Guide for Railroad Disability Medicare - Medicare Insurance AZ

If you have a disability and are younger than 65, your eligibility for Medicare health care coverage differs from someone who is receiving Social Security benefits. Your eligibility depends on the RRB classification of your disability, which will determine if you are eligible for Medicare, and when it will become effective. In the event of a disability, you will want to contact your local RRB field office to discuss the details. However, if you have an end-stage renal disease (ESRD) and qualify for Medicare, you must go through the Social Security Administration even if you are employed by the railroad. How Much Does Medicare Cost - Medicare Insurance AZ. How To Get Health Insurance During the Coronavirus Pandemic. Millions of Americans are facing a sudden drop in income because of the COVID-19 pandemic.

How To Get Health Insurance During the Coronavirus Pandemic

But most of the states have expanded Medicaid under the Affordable Care Act, which allows residents with low income (up to 138 percent of the poverty level) to enroll in Medicaid. Medicaid enrollment is year-round, as is CHIP (Children’s Health Insurance Program) enrollment. And CHIP eligibility extends to higher income levels than Medicaid. For both Medicaid and CHIP eligibility, income is calculated monthly, so they are available if your current income is within the eligible range – even if your income in the first few months of the year was much higher. Medicaid coverage can also be immediate or backdated to the first of the month or even a previous month, depending on the state and the circumstances. But otherwise, your Medicaid coverage should continue until the end of the COVID-19 emergency period.

Medicare for Dummies: Things You Need to Know. As we have already said, most Part C Medicare Advantage Plans don’t require a copayment and you are covered for healthcare services within a specific service area, with your premium being the only out-of-pocket costs. Also, these plans regularly offer additional benefits like vision and dental benefits, prescription drug coverage, and some even offer gym membership discounts and grocery delivery. For many people, Medicare Advantage offers the most healthcare coverage for the best price. However, if you want to select Original Medicare for healthcare coverage and want a way to offset some of the out-of-pocket costs, it is possible to obtain a MediGap policy. How To Change My Medicare Plan. How To Change My Medicare Plan. How To Change My Medicare Plan. What are the Advantages and Disadvantages of Medicare Advantage Plans? Although these goals were never really met early on as they were first introduced, these past several years have proven that Medicare Advantage plans are meeting and starting to exceed consumer and government expectations.

What are the Advantages and Disadvantages of Medicare Advantage Plans?

More and more Medicare beneficiaries are jumping into Medicare Advantage plans as they have been proven, in a lot of cases, to provide more comprehensive coordinated care, extra benefits that Medicare doesn’t cover, and have saved the consumer money on their health care related expenses. If you are considering jumping from traditional Medicare to a Medicare Advantage plan, you’re not alone. They are continuing to gain popularity. So, let’s dig deeper into how exactly these plans work and the advantages and disadvantages of them. As with any major financial related decision you make, I always recommend that you talk to an expert about your own personal and unique situation. Medicare Disability Coverage Guide - Medicare Insurance AZ.

In some cases, based on your income, you may qualify to have both Medicare and Medicaid (called AHCCCS in Arizona).

Medicare Disability Coverage Guide - Medicare Insurance AZ

In these cases, you may qualify for a special type of Medicare Advantage plan called a Dual Special Needs Plan. These plans are amazing because they work in conjunction with your Medicare and Medicaid/AHCCCS to provide you several extra benefits at no cost, like: Free dental insuranceFree vision insuranceFree hearing aidsOver-the-counter mail order catalog, where you can order your OTC items all at no cost to youFree gym membershipChiropractic and acupuncture coverage. Medicare Disability Coverage Guide - Medicare Insurance AZ. Does Medicare Cover Dental? - Medicare Insurance AZ. COVID-19: Resources and Concerns by UnitedHealthcare. UnitedHealthcare is waiving cost-sharing for members’ treatment of COVID-19 until May 31, 2020 for Medicare Advantage, Medicaid, Individual and Group Plans that are fully insured.

COVID-19: Resources and Concerns by UnitedHealthcare

If you are a self-funded customer, UHC is willing to implement a similar approach on your behalf. From now until June 18, 2020, UHC will also waive cost-sharing for in-network, non-COVID-19 telehealth visits for the same plans. This will ease the burden on doctors’ offices and hospitals for non-COVID-19 related visits to free up resources and space for those patients that need priority care. If your provider agrees that you need COVID-19 testing, UHC will waive cost-sharing at any CDC approved testing site during the national emergency. Why Choose Independent Medicare Insurance Agents? In the insurance business, there are captive agents and independent agents.

Why Choose Independent Medicare Insurance Agents?

A captive agent works for a single insurance company and knows and sells only the insurance products of that particular company. Captive agents can only provide a quote on the policy their company offers. They will offer you no freedom to look for alternatives for comparison between different quotes and policy terms. Captive agents are loyal to their company and they sell their products regardless if it the right fit for their client or if they can find their clients a better deal somewhere else. On the other hand, independent agents, or brokers, work as a broker between you and many different insurance companies. Independent insurance agents shop many different insurance companies to find the right policy for their client. They have access to plans that fit budgets of all sizes. Cigna Medicare Plans: Formerly known as Cigna-HealthSpring Medicare.

One of the best aspects of Cigna is their personalized care one can receive at a Cigna Medical Group (CMG) clinic.

Cigna Medicare Plans: Formerly known as Cigna-HealthSpring Medicare

There are 20 medical centers located across Maricopa County where the doctors coordinate care as one whole team. CMG’s don’t just react to your care needs, but they prevent problems and help you stay healthy. Here are a few examples of how they do that: Coordinated care at Cigna is about knowing you, your needs, your goals, your lifestyle and more. CMG’s put that all together to create a health care system that’s coordinated around you. Medicare Advantage Plans in Arizona. The Importance of Medicare Star Ratings. The Centers for Medicare & Medicaid Services (CMS) is a federal agency and is part of the Department of Health and Human Services (HHS).

The Importance of Medicare Star Ratings

Among other things, they administer the Medicare program, and they work with each state government to administer the Medicaid program as well. CMS works hard and continually analyzes our federal health care systems to find ways to improve them. Get Help From a Licensed Broker. What are the Advantages and Disadvantages of Medicare Advantage Plans? Medicare Planning and Choices. Guide Your Parents to Understand Medicare Plans. Remember the costs I outlined above for Part A and Part B?

Guide Your Parents to Understand Medicare Plans

That can be scary for someone, especially if they are on a fixed income. Luckily, there are ways to reduce those costs, or at least plan for the unexpected and have something in place that would pay the 20% that one might not be able to afford. That’s where Medicare Supplements (also called Medi-gap plans) and Medicare Advantage (also called Part C plans) come into play. More advice: Don’t let anyone tell you that Supplements are better than Advantage plans, or vice-versa, that Advantage plans are better than Supplements. The fact is, that every person has a different and unique health situation, budget, and level of comfort for how they will pay for their Medicare expenses. Medicare at Golden Age 65. Medicare Savings Program 2020. What’s New for 2020 Medicare Savings Programs! Don’t get too ahead of yourself!

Honing in and exploring the many options to choose from is a really smart place to START. Deciding what Medicare Savings Program to commit to is a loaded project in & of itself. Staying up-to-date on changes made within those plans is another intense layer. It is obvious that there is a lot to consider when it comes to enrolling in Medicare.

Our hope is that this article has provided some valuable information, providing a stable footing to begin making your own Medicare decisions. Before determining anything else, decide if Original Medicare or Medicare Advantage is the best option for you. Number one, how much money do you want to pay out-of-pocket? As you are percolating over ALL of this, it’s normal to feel overwhelmed. Medicare Preventive Service - Yearly Wellness Visit. Medicare Preventive Services Checklist. Medicare Savings Programs Guide 2019. Medicare Savings Program. Costs of a Medigap Plan. What Is Not Covered by Medicare? [Under Part A & B] - Medicare Insurance AZ. About Medicare Supplement Plans (Medigap) Hospitalization And Inpatient Care - Medicare Part A.

Medicare Insurance AZ. Pros and Cons of Medicare Advantage vs Original Medicare. Compare Plans: Medicare Advantage vs. Medicare Supplement.