Medicare Part C in Arizona
Medicare Plan C, also known as Medicare Advantage Plans or “MA Plans,” is a Medicare health plan that is offered through private companies, rather than through the government, as Original Medicare is. You can only receive Plan C Medicare through certain companies, as they must have a contract with the government in order to offer their customers the benefits of Medicare themselves. Medicare Part C plans can provide you with the types of benefits provided by Part A, Part B and Part D plans. However, like with Original Medicare, you can choose which coverage options you want your Medicare Plan C to cover according to your current medical needs.
How to Enroll in Medicare Part C in Arizona
Eligibility requirements to enroll in Medicare or Medicare Part C include being 65 years of age or being younger than 65 years of age with a disability. You can sign up for a Medicare Part C Plan in a seven-month window the begins before you turn 65 or after you begin receiving disability benefits.
There are four main types of Part C Medicare Plans you can choose from when your enrollment period begins:
Health Maintenance Organization (HMO) Plans
Preferred Provider Organization (PPO) Plans
Private Free-For-Service Plans (PFFS) Plans
Special Needs Plans (SNPs)
In order to join one of these many Medicare Part C plans, you will first need to determine which ones are available in your area of Arizona and whether you want it to cover prescription drugs. Most Medicare Part C plans will automatically include prescription drug coverage (also known as Medicare Part D), but depending on your area, you may find plans without it if you do not need or want it. Once you have chosen one of the Medicare Part C plans, you can visit its website and see if online enrollment is an option. If it is not, you will need to contact the company offering the plan you want and ask for a paper copy of the form to fill out and send to them. If you do not complete the enrollment process for Medicare Part C during your initial eligibility period but sign up for a Part C Medicare plan at a later date, Medicare can charge you a late fee.
Like the rest of Medicare, Part C Medicare also allows you to sign up during Special Enrollment Periods (SEPs) if you are unable to enroll during your initial enrollment period. You can also make changes to your Medicare Part C plan during your special enrollment period in you need to. In order to qualify for signup during a SEP, certain events must have occurred in your life, such as moving, or losing your current coverage plan.
Services Covered by Medicare Part C in Arizona
Your Medicare Part C plan provides the same coverage options from original Medicare plans. would have covered. This includes hospice care, emergency care, certain clinical research studies and any potential new benefits Medicare may add to their plans.
Medicare Part C Cost
The cost of Medicare Part C depends on a number of different factors, including whether you pay a monthly premium for your plan and what the amount is, whether your plan covers any of the cost of your monthly premium for your Medicare Part B, if you have a yearly deductible and what you pay as a copayment for your doctor’s appointments. Your Medicare Plan C cost might also be affected by the types of services you need and whether you require any extra benefits that your plan may charge you for.
The Medicare Part C plan you choose will send you two documents every year related to how much you need to pay and what it covers:
Evidence of Coverage (EOC)
Plan Annual Notice of Change (ANOC)
Your Medicare Part C plan will send you both documents each September. The EOC is to give you information about plan coverage and costs. The ANOC will provide you with any information on changes that Medicare has made to your Part C Medicare plan so that you can determine if it will still meet your medical needs the following year.
Medicare Supplemental Insurance
Medicare Part C does not cover the cost of everything you may need. So, if you know you will need assistance with covering any additional costs, you may want to consider purchasing Original Medicare and a Medicare supplemental insurance plan, called Medigap, to help with whatever you would have to pay out-of-pocket instead of Medicare Part C. Medicare supplemental insurances cover the cost of items such as copays, coinsurances and deductibles.
Like Plan C Medicare, private companies sell Medicare supplemental insurances, so make sure to look around before settling on one to see what different companies set their premiums at and what that payment will cover. You cannot have a Medigap policy and Medicare Part C plan at the same time. Medigap is designed to work with the Original Medicare plans, not with the Medicare Advantage Plans. If you already have Medicare Part C, and you are unable to cover costs such as your copayments, you may need to switch to Original Medicare and add a supplemental Medicare insurance to go with it. If you have a Medicare supplement insurance first, and you apply for and receive Medicare Plan C, you will not automatically lose your Medigap. You will need to cancel it yourself.
For more information on Medicare Supplemental Insurance, see our guide here.
Who Is Eligible to Get Health Services in Arizona?
Residents must meet the eligibility requirements established by the Arizona Health Services Department in order to quality for programs such as Medicaid and Medicare. Your income and age might be significant factors regarding your eligibility, but requirements vary. To learn more about AZ medical assistance, download our guide today.
What Kinds of Health Care Services Can I Receive in Arizona?
Arizona health care services differ significantly in regards to price and coverage. A resident’s eligibility might also play a role in the cost of each service. To learn about how you can apply for these health services, please download our guide now.