Is Medicare Supplement Plan F Going Away in Arizona?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Arizona? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
Medicare Supplements Work with Medicare Part D
A supplement does not pay for your prescriptions. By law, supplemental insurance must cover Original Medicare covers, and nothing more. Foreign travel coverage is the only exception. To get help with your prescriptions, you'll need to join a Arizona Medicare Part D plan.
Arizona Medicare Supplement Plans are Standardized
The Arizona Department of Insurance and the federal government passed laws that require insurance carriers to standardize Medicare Supplement insurance. Plans must be identified as Medicare Supplement Insurance and plans must follow the state's standardized naming convention. Each standardized plan offers the same benefits. Only the monthly premiums, and how the premiums are calculated, may vary.
All supplements sold in Arizona offer the basic benefits of Plan A. All other plans include additional levels of gap coverage. This lets you to select the amount right coverage for your personal needs.
Each carrier decides which plans it wants to issue. State law mandates that:
- Carriers are not required to offer every plan;
- Carriers must offer Plan A (basic benefits); and
- Carriers must also offer Plan C or Plan F.
To learn more you can visit your state's Department of Insurance website at http://www.id.state.az.us/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Arizona dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Arizona is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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