Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in Arizona. However, if you get a Plan F policy in Arizona now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
in Arizona Medicare Supplements Do Not Cover Prescriptions
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a Arizona Medicare Part D plan.
Arizona has Standardized Medicare Supplements
Arizona insurance carriers are required to follow both state and federal laws regulating Medicare Supplements. Plans are standardized and must provide the exact coverage mandated. The only variance is the premium and how the premium is calculated.
All Medicare Supplements sold in Arizona provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- 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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