BlueCross BlueShield of Arizona Medicare InsuranceAdvantage, Medigap Supplemental and Part D Prescription Drug Plans

Since Medicare alone isn't designed to pay for everything, turn to Blue Cross Blue Shield of Arizona (BCBSAZ) for a Medicare supplement plan that's right for you. Because when it comes to health care coverage, BCBSAZ knows how much flexibility, freedom of choice and value mean to you. Most people qualify for Medicare when they turn 65. The more you understand Medicare benefits and how they work, the better prepared you'll be to evaluate your own needs and make sure you have the health care coverage that's right for you. Here are some of the Medicare plans and converges available from Blue Cross Blue Shield of Arizona.

Medigap Insurance from BlueCross BlueShield of Arizona

For most people, traditional Medicare alone just isn't enough coverage. Out-of-pocket costs like coinsurance and co-pays can be unpredictable and expensive, even with Medicare. If you want to preserve your assets and protect your family from financial burdens, you might need something more. That's why Blue Cross Blue Shield of Arizona offers Medicare supplement health insurance plans that help pay your share of the costs for Medicare-covered services. Medicare supplement plans cover the "gaps" in Medicare that require out-of-pocket expenditures. For example, Medicare Part B will pay 80% of your outpatient surgery bill after you meet a deductible. What about the other 20%? Without a Medicare supplement plan, you'll be responsible for that amount... and it could be hundreds or even thousands of dollars! If you're concerned about your financial future and want to be sure that you have the peace-of-mind and security that comes with more predictable expenses, then a Medicare supplement plan may be the right choice for you. Contact a representative for more information.

How to Choose a Medicare Supplemental Health Insurance Plan from BCBSAZ

If you think all Medicare supplement coverage is the same, you're right! Medicare supplement plans must offer the same standardized benefits. All of the plans can help you with your share of out-of-pocket costs once you're enrolled in Medicare. So what makes one Medicare supplement plan better than another? You can compare plans based on things like affordability, customer service and the integrity and reputation of the health insurance company selling you the plan. That's where Blue Cross Blue Shield of Arizona stands out -- not just with competitive Medicare supplement plan rates, but also with the service we deliver after you purchase a plan. Our customer service is locally based, which means that you can call and speak to someone right here in your own community. Blue Cross Blue Shield of Arizona has been providing health insurance to Arizonans since 1939, so we're a brand name you probably already know and trust.

Medicare Advantage Health Plans from BlueCross BlueShield of Arizona

Part C combines Part A and Part B in a Medicare Advantage plan. Part C plans are HMOs, PPOs, Private Fee-for-Service Plans or Medicare Medical Savings Account plans. These plans take the place of traditional Medicare coverage. They combine Part A plans which cover Hospital insurance and Part B which covers basic medical insurance, as well as offer additional coverage for vision, hearing, and dental. Medicare Advantage plans may require referrals to see specialists and often have networks, which may require you to see doctors who belong to the plan or to go to certain hospitals to receive covered services. Rest assured that you will be covered just as well from these plans as it is required by law that they cover all of the same services that Medicare does. Be advised that plans with network restrictions may not be the best option if you travel a lot or if you have a strong preference for certain doctors that may not be in the network. Though BCBSAZ does not offer Senior Medicare Advantage Plans, there are other options available. Simply fill out your information above to get free quotes and compare different insurance plans.

Prescription Drug Coverage

Part D is a Medicare prescription drug plan and is available to everyone with Medicare. Medicare prescription drug plans (PDPs) are offered through private companies and not subsidized by Medicare Coverage. Blue Cross Blue Shield of Arizona is one of the leading providers of these plans. What sets Blue apart from the other insurers is that their Prescription Drug Coverage plans do not have an annual deductible, and only require you to only pay a monthly premium and copay for the drugs you need. Specifically, over 2,500 generic medications are available to plan holders. And because you should always have access to your medication, even while traveling, your plan allows for prescription pick-up from over 62,000 pharmacies nationwide. Take note that Prescription drug coverage may also be included in Medicare Part C as part of a Medicare Advantage plan. If it is not included you are eligible to add this additional coverage at a reduced rate to the Medigap part A, B, or D plan which you enroll for. The cost of the premium varies depending on what Medigap plan you purchase, but carriers work hard to make it affordable to you. Get a quote above and see if Prescription Drug Coverage is right for you.