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Medicare Supplements in Phoenix AZ – Do You Need Help Choosing a Medigap Policy?

If you have Medicare, you know that there are a lot of things it does not cover. Beneficiaries who want to get additional coverage to their Part A and Part B insurance plans, can do so through the various Medicare supplements in Phoenix AZ. All of these are part of what’s known as “Medigap”.

In essence, there are “gaps” in your original Medicare coverage. This is where Medigap comes in, as the different Medigap plans cover health costs that are not covered by original Medicare. Medigap “fills in the gaps”. Medigap insurance plans are only available for participants who have both Medicare Part A and Medicare Part B coverage.

Choosing a Medigap policy is crucial for every health insurance beneficiary. Since your original Medicare coverage might not include certain expenses, you may have to face numerous out-of-pocket costs. These costs include coinsurance, copayments and so on.


Medicare supplements in Phoenix AZ include twelve standardized service plans. These Medigap plans are labeled with letters, from A through L. They all offer an extensive set of covered services for the beneficiaries who already have a Medigap A or B policy. The Medigap A policy is the basic coverage policy. The Medigap B policy covers everything that Medigap A policy offers, plus additional benefits.

When choosing a Medigap policy, you need to compare the various Medicare supplements. Comparing these supplements may be challenging for most Arizona residents. So, instead of making a choice on your own, you are welcome to rely on our expertise and knowledge. We can help you compare these supplement plans and choose the one that fits your needs.

Medicare Advantage vs. Medigap plan

When speaking of Medicare Advantage plans and Medigap plans, many people confuse the two. Some people believe they are similar, but there are major differences between these two options. What you need to know is that Medigap policies are only available to people who have Medicare Part A and Medicare Part B. Beneficiaries who have a Medicare Advantage plan cannot get Medigap.

Medigap can only be used by beneficiaries of traditional Medicare. This is private insurance that you can buy in order to cover some out-of-pocket expenses which are not covered by your traditional Medicare plan. These may include some Part B costs, Part A deductibles, medical emergency costs made abroad and so on. The coverage depends on which kind of policy you have.

The costs of your Medigap policy

The costs of Medigap plans are influenced by various factors. They depend on the type of Medigap plan, your age, health, and location. Once you choose your Medigap plan, you are obliged to pay a monthly premium. Most Medigap plans can help you pay for your Medicare co-payments, as well as the co-insurance for a hospital stay.


The benefits offered by a Medigap plan depend on the type of plan you choose. Less expensive plans offer less benefits and come with higher out-of-pocket costs. Meanwhile, more expensive plans include more benefits. These extra benefits may include coverage of routine checkups, at-home recovery costs, some Medicare deductibles, and so on.

It is crucial to decide which benefits are right for you, in order to discover what type of plan best fits your needs. That way, the cost of your Medigap policy will make sense and you can lower your out-of-pocket costs related to your health.

How to choose the right Medigap plan?

Choosing a health plan can be complicated. There are many factors to consider before you decide which plan is right for you and your family. Medicare supplements in Phoenix AZ offer you a variety of benefits to choose from.

If you’re wondering how to make the right choice, here are some essential questions to consider:

  • Will your health plan cover all the services and medications you need?
  • Will your health plan cover your regular visits to a doctor?

Compare all the options available and remember that your monthly premium isn’t the only factor to consider. Make sure you check all of the available cost-sharing elements such as copayments, coinsurance, and deductibles, which may be included in your plan.


If you need help with understanding all of these, it is wise to contact our professionals before you make a decision. In addition, here is what you need to know when choosing from the available Medicare supplements in Phoenix AZ.

1. What types of plans can I choose from?

We offer several supplement health plans and they are all different. Aetna Medicare Supplement Plans are health plans that we recommend in addition to Medicare Part A and Part B. These plans help you pay for additional healthcare costs, such as copayments and deductibles.

These Medicare supplement plans include benefits such as three pints of blood per year, and 365-day hospitalization coverage after the Medicare coverage ends. These plans also cover twenty percent of Medicare-approved expenses or copayments for outpatient services, among other things.

We also have experience with the Blue Cross Blue Shield Arizona (BCBSAZ) plan which covers expenses that are not covered by Medicare and Medicare Advantage. Moreover, we work with Mutual of Omaha Medigap insurance plans. These health plans help you reduce co-pays, premiums and deductibles for services covered by Medicare Part A and Medicare Part B insurance plans.

Another popular option we work with are the United Healthcare Supplement Plans. These plans may help you cover some expenses that are not included in Medicare Parts A and B such as deductibles, coinsurance, and copayments. United Healthcare supplements help you cover your annual out-of-pocket expenses and they don’t require a referral in case you need to see a specialist.

2. What does each health plan cover?

Are your current doctors in the plan’s structure? If the answer is no, it is wise to consider what fees your plan should cover. Additionally, you should check which hospitals your doctors are affiliated with, and if these hospitals are part of your plan’s structure.


One of the crucial elements that you should consider is whether your plan covers your spouse and children. Are any preventive services covered, such as checkups and blood pressure screenings?

3. What additional costs will I have to cover?

When choosing a Medigap policy, aside from the premium and deductible payments, you may also have to pay certain additional costs. These additional costs include copayments, coinsurance, your share of allowed charges, out-of-pocket maximum limits, and then limits on services and non-covered services, etc.

Choosing the right Medigap is a big decision. Before you decide, make sure you are well aware of what’s covered and what’s not. The health plan you choose will determine how you and your insurance will share the costs of your health care. Our experts can help you choose the best Medigap policy for you and your family.

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