Medicare Supplement plans can work to cover gaps from your traditional Medicare coverage. Medicare may, in some instances, not cover things such as co-pays, doctor’s visits, deductibles for hospitalization and other health services where Medicare insurance does not pick up the full tab. These plans are also known as Medigap plans, due to their capacity to close the gaps in Medicare plans.
MEDICARE / GAP HEALTH INSURANCE
MEDICARE / HEALTH INSURANCE IN ARIZONA
Arizona has an excellent program for Medicare recipients, with many choices for additional coverage. Like most states, in Arizona, you have to have Medicare Part A and Part B to get a Medicare Advantage plan Part C. And you can also optionally add on Part D coverage for prescriptions. These plans are offered by county, such as Maricopa County.MEDICARE / HEALTH INSURANCE IN ARIZONA
Arizona has an excellent program for Medicare recipients, with many choices for additional coverage. Like most states, in Arizona, you have to have Medicare Part A and Part B to get a Medicare Advantage plan Part C. And you can also optionally add on Part D coverage for prescriptions. These plans are offered by county, such as Maricopa County.
MEDICARE ADVANTAGE PLANS THAT ARE AVAILABLE IN ARIZONA COUNTIES INCLUDE:
Medicare Health Maintenance Organization (HMOs) Preferred Provider Organizations (PPO) Private Fee-for-Service (PFFS) Plans Medicare Special Needs Plans (SNP) Point of Service (HMO-POS)
MEDICARE ADVANTAGE PLANS THAT ARE AVAILABLE IN ARIZONA COUNTIES INCLUDE:
Medicare Health Maintenance Organization (HMOs) Preferred Provider Organizations (PPO) Private Fee-for-Service (PFFS) Plans Medicare Special Needs Plans (SNP) Point of Service (HMO-POS)
ARIZONA MEDICARE SUPPLEMENT PLANS OR MEDIGAP POLICIES
Additionally, supplemental insurance to assist with unexpected expenses resulting from lapses in coverage while on Medicare can be very cost effective. Be sure to discuss your options with your health insurance agent, so you know the risks and potential liabilities resulting from not having a supplemental policy. Retirement is fraught with peril, but with proper health care coverage, expenses can become a very predictable part of your finances.
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_United-Healthcare-Logo.png)
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_Humana-Logo.png)
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_Aetna-Logo.png)
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_Cigna-Logo.png)
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_BlueCross-BlueShield-Logo.png)
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_Bright-Health-Logo.png)
![](https://uragroupaz.com/wp-content/uploads/2021/01/URA-Group_Medicare-Gap-Health-Insurance_Long-Term-Care-Insurance.jpg)
LONG-TERM CARE INSURANCE
Many people are unaware that Medicare doesn’t cover long term care after 100 days, and Medicaid requires a complete spend-down of assets to qualify. Long-term care insurance can cover costs for nursing home or custodial care when you become unable to care for yourself, and sometimes even in-home care services if you opt for a newer long-term care coverage rider as part of a permanent life policy. The premium amount for long-term care insurance rider will depend on a few factors, like your health and age.
Be sure to consider the many new product innovations in long-term care insurance that may be a better choice for your family. These new policies can provide in-home care or nursing home care if you need it, and if you don’t, can provide other benefits like a tax-advantaged death benefit to your chosen beneficiaries. Long-term care insurance can be tailored to match what you may be able to afford / what you may need depending on the type of policy that you choose, and today’s policies can offer many more advantages than in the past.