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# Find an Affordable Medicare Plan
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# Arizona Medicare
You can get your medical needs covered with Arizona Medicare. You can find an affordable option with just the click of a button. Your search for comprehensive health and Medicare insurance starts here.
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### Medicare Plan
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### Why Choose Us?
It is essential to understand your options when it comes to Medicare insurance so that you can pick the right coverage. In addition, the type of coverage you opt for affects the benefits you receive and the additional out-of-pocket costs you might incur.
That’s why the Insurance Professionals of Arizona are here to educate you about the different Medicare plan options you have. The reasons why you should choose us include:
### We’ll guide you step by step through the process of obtaining the best Medicare plan
### We will help to save you money
### We’re well established
### We care about our clients
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### Medicare Insurance in Arizona
Your health is the most essential thing in your life, so having the  starts with having the right insurance coverage.
In Arizona, Medicare beneficiaries have different options for Medicare coverage. There are four different parts:
## Part A
This covers inpatient care in a hospital, skilled nursing facility, or nursing home
## Part B
This covers outpatient care, preventive care, medical equipment, and ambulance services
## Part C
This is a Medicare Advantage plan that includes Part A, Part B, and usually Part D
## Part D
Part D: This helps with the payment of prescription drugs
Medicare insurance in Arizona is not a one-size-fits-all coverage. Different parts of Medicare cover different services.
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The federal government manages original Medicare. Through Original Medicare, also known as traditional-fee-for-service programs, you can receive Part A and B coverage.
You can also choose to get your Medicare coverage through a Medicare Advantage Plan (Part C). This Medicare Private Plan comes with different rules, restrictions, and costs that affect how you receive care.
Medicare Advantage plans in Arizona cover everything offered in Plan A and B, and most even include prescription drug coverage.
**Note:** You must be enrolled in Medicare Part A and B to be eligible for a Medicare Advantage plan.
They also include additional benefits such as dental and vision coverage and care management services that help beneficiaries battling chronic illnesses.
As of 2020,  were enrolled in Medicare Advantage Plans. Currently, all 15 counties of Arizona offer Medicare Advantage plans, but the availability of these services may vary from one part of the state to another.
These Medicare Advantage Plans are available for anyone who is eligible for Original Medicare. In addition, every fall, from October 15th to December 7th, Medicare beneficiaries can switch between Original Medicare and Medicare Advantage.
Beneficiaries already enrolled in a Medicare Advantage Plan can switch to a new Medicare Advantage plan or drop their current policy and enroll in Original Medicare during the Medicare Advantage Open Enrollment Period from January 1st to March 31st.
For more information, contact Arizona Medicare Professionals or one of the trusted insurance companies about your options.
Part D, known as Medicare’s Prescription Drug Benefit, provides outpatient drug coverage. It is important to note that Part D is only offered through private insurance companies that have contracts with the federal government.
In 2021, insurance companies in Arizona are offering 32 Part D plan options with monthly premiums starting from $7 to $106.
As of September 2020, 478,065 Medicare Arizona beneficiaries had stand-alone Part D coverage, and 553,704 had Part D coverage as a part of their Medical Advantage plans.
Are you still unsure about your %20for%20two%20years.) Let us help you clear that up!
Over 1.3 million people in Arizona are eligible for Medicare coverage. You qualify if you are:
* A legal U.S  citizen or resident who has resided in the United States for more than five years
* 65 years or older
* You or your spouse have worked for ten years and paid Medicare taxes
However, if you’re below 65 years, you qualify for Medicare if you meet the following criteria:
* You have been receiving Social Security disability benefits for at least 24 months
* You have been diagnosed with Lou Gerhig’s disease
* You receive a disability benefits pension from the Railroad Retirement Board
* You have an end-stage renal disease that requires dialysis or kidney transplant
Contact us to find out if you qualify for Medicare Services. Get in touch with an IPA Medicare Insurance Specialist today!
Medigap plans, also known as Medicare Supplement plans, help Medicare beneficiaries cover their out-of-pocket costs.
Medicare supplement plans are issued by private insurers but they are standardized under government rules. There are ten different plans differentiated by the letters A, B, C, D, F, G, K, L, M and N.
These plans differ in price, coverage levels, and customer service experiences, but the benefits are uniform regardless of the insurer offering the coverage.
There are about 69 insurers who are licensed to offer Medigap plans in Arizona. An analysis conducted by Business Insider revealed the average cost of Medigap Plan F, which is the most popular plan in 2016, was around $143 in monthly premiums.
With Medigap insurance coverage, the government allows a 6-month guaranteed issue period that starts when an individual already enrolled in Medicare Part B reaches the age of 65.
Unfortunately, the government doesn’t issue an open enrollment for Medigap in Arizona if an applicant is below the age of 65, even if they are enrolling due to a disability.
Several Medicare Arizona beneficiaries receive financial assistance along with the cost of Medicare premiums, prescription drug coverage, and other services not covered by Medicare. In Arizona, Medicaid is referred to as AHCCCS (Arizona Health Care Cost Containment System).
For Medicare Beneficiaries that are , there are programs available that will help reduce the cost of your Part B premium and the cost of your prescription drugs. Contact us to see if you qualify for these programs. We are experts in this area.
Get the information you need to choose the right plan for you!
Speak to an IPA Medicare Insurance specialist today.
 480-331-7974
Mon - Fri, 8:30 AM – 5:00 PM
## How To Apply For Medicare in Arizona
If you are not automatically enrolled, you can apply for Medicare coverage by contacting the nearest Social Security Office. You may also enroll online at  We can help you with this as well!
Insurance Professionals of Arizona can help you review and understand your options to select an affordable Medicare plan that suits your needs and budget.
Get in touch with IPA specialists to know your eligibility and select the best Medicare plan for you today!
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### Our Medicare insurance Blog
 10th Jun 2024
 15th May 2024
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## **Medicare** Insurance in AZ
Insurance Professionals of Arizona has been in business since 2008, with over 47 years of combined industry experience. We are committed to providing superior customer service and education. We look forward to helping you succeed with your health care choices.
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# Medicare Part B
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## REQUEST A QUICK QUOTE
## Medicare Part B
Medicare Part B (medical insurance) is a portion of  federal health insurance program. Medicare Part B covers medical services and supplies that are necessary for the treatment of a health condition. This could include outpatient care, preventive services, ambulance services, and medical equipment.
Medicare was created for people who are 65 or older, certain young people with disabilities, and people with permanent kidney failure requiring dialysis or a transplant, also known as End-Stage Renal Disease (ESRD).
Medicare Part B specifically covers medically necessary services and preventative services.
Medically necessary services are those services or supplies necessary to diagnose or treat a medical condition while meeting acceptable medical practice standards.
Preventive services are health care services that prevent illnesses and help to correct health problems early stages when treatment can be most effective. Medicare Part B works so that most pay nothing for most preventive services when they’re provided by a health care facility accepting Medicare.
## Medicare Part B Coverage
Medicare Part B covers things like clinical research, ambulance and emergency transport services, durable medical equipment (DME), mental health support services, inpatient and outpatient services, partial hospitalizations, and limited outpatient prescription drugs.
Medicare Part B doesn’t cover eye exams, eyeglasses, contact lenses, acupunctural therapy,
most prescription drugs, in-home health care services, hearing tests or hearing aids, dental examinations, teeth cleanings, x-rays, and other routine dental care.
Your Medicare coverage will be based on 3 important factors.  Federal and state laws,
national coverage decisions made by the government about whether Medicare Part B will cover your situation, as well as local coverage decisions made by companies in each state that process claims for Medicare. These companies decide whether something is medically necessary and should be covered in your area.
The following questions can help you get a better understanding of how to apply or terminate your Medicare Part B, and other information about Medicare health insurance.
## FAQ About Medicare Part B Medical Insurance
Below are some of the most frequently asked questions about Medical Part B coverage and medical insurance. If you still have questions after reading this, then don’t hesitate to contact Insurance Professionals of Arizona for answers and support.
### How do I apply for Medicare Part B coverage?
Some people automatically receive Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage while others have to sign up. Your situation will more than likely depend on whether you’re getting .
Medicare is managed by the  (CMS). Social Security collaborates with CMS to enroll people in Medicare. Each year you’re eligible to review your services and plans but you don’t have to renew your subscription to Medicare services. If you don’t sign up for Part B when you’re first eligible, you may have to pay a late enrollment penalty.
### Where is the application for enrollment in Medicare Part B (medical insurance)?
You’ll only be eligible to  if you already have Medicare Part A (Hospital
Insurance). If you don’t have Part A and want to sign up, please contact Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778.
You can sign up for Part B during your Initial Enrollment Period (IEP) when you become
eligible for Medicare, during the General Enrollment Period (GEP) from January 1 through March 31 each year, and If you’re eligible for a Special Enrollment Period (SEP).
### How do I terminate my Medicare Part B (medical insurance)?
You can voluntarily stop your Medicare Part B (medical insurance) anytime however, you may have to have a personal interview. A Social Security representative or Arizona Insurance Professional can help you complete form CMS 1763 and terminate your services.
To find out more about how to terminate Medicare Part B or to schedule a personal interview, contact the Social Security Administration at 1-800-772-1213 (TTY: 1-800-325-0778) between Monday through Friday from 8:00 am – 7:00 pm or contact your nearest Social Security office. Insurance Professionals of AZ can also provide aid for your Medicare Part B inquiries.
### Who pays for Medicare Part B premiums?
Each month you’ll pay a premium that will be automatically deducted from your Social Security, Railroad Retirement Board, or Office of Personnel Management benefits package. If you aren’t eligible for these benefits, then you’ll receive a bill.
Most people pay the standard premium amount. When your modified adjusted gross income is above a certain amount, you’ll pay an Income Related Monthly Adjustment Amount (IRMAA). Medicare applies the modified adjusted gross income reported on your IRS tax return from 2 years ago because it is the most recent tax return information provided to Social Security by the IRS.
### If you have medical insurance do you need Medicare Part B?
If your other medical insurance is a COBRA policy, individual policy, or retiree coverage provided by a union or employer, then your enrollment in both Part A, hospital insurance, and Part B, medical insurance, is necessary. These types of coverages are billed secondarily to Medicare, and they’ll pay for any care that Medicare doesn’t cover.
### How do I read the Medicare Summary Notice for Part B?
People with Original Medicare get a Medical Summary Notice (MSN) in the mail every 3 months for their Medicare Part A and Part B-covered services. The MSN shows all the services or supplies that providers and suppliers billed on your behalf to Medicare during the 3-month period, what Medicare paid, and the maximum amount you may owe the provider.
## Insurance Professional Support
Insurance Professionals of Arizona have been in the business of supporting individuals with Medicare Insurance since 2008. We use our 47 years of combined industry experience to provide superior customer service and education. We look forward to helping you succeed with your health care choices.