Medicare Advantage Plans
These are the "pay as you go" plans with lower premiums but higher usage cost.
Medicare Advantage Plans can be an alternative to Medicare and Medicare Supplements. Medicare Advantage Plans, officially known as "Medicare Part C", are offered by private insurance companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits. The premium for these plans are low or sometimes even $0, depending on your location and the plans available at your location.
Again, what is available to you will depend on your location, even down to your zip code. Some plans will require you to select a primary care doctor who will refer you to a specialist if needed. You generally pay the co-pay for each provider. If this type of plan doesn't suit you there are other types available that do not require a doctor selection and/or a rerferral. Other plans will allow you to see any doctor that accepts Medicare and will agree to accept you with that plan
Most of these plans do not have deductibles nor will you be responsible for the Part A or Part B deductible. They have low doctor and specialist co-pays. Many plans also include the Part D prescription drug coverage. All plans have "maximum out of pocket" limit to protect you financially. The maximum limit is set by Medicare but plans can have lower limits.
We carry the major companies for Arizona. They are:
Aetna
Alignment
Banner
Blue Cross
Cigna
eternal
Devoted
Gold Kidney
Health Choice Pathway
Humana
Molina
SCAN
United Health
WellCare
Wellpoint
There are several different types of plans, including HMO plans, HMO/POS plans, PPO plans, PFFS plans, MSA plans and others. What is available to you depends on your location. Do you know which plan would be best for you? If you fill out our Medicare Advantage Quote Form we'll compare the top companies for you, finding the best plan for your situation.
(We do not offer every plan available in your area. Currently, in Arizona we represent 17 organizations which offer 193 products. Please contact Medicare.gov, 1 800 Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options)