Medicare Open Enrollment

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Arizona Medicare & Insurance Solutions
HELPING PEOPLE CHANGE TO THE RIGHT MEDICARE PLAN TO FIT THEIR LIFESTYE

How Medicare Works Overview

​Part A Hospital and Inpatient
Part A $500 month premium If you didn’t pay into Medicare, if you did then $0 monthly

Part B Doctors
Part B $164 monthly premium as of 2023, unless someone is on ALTCS

Original Medicare (Red White and Blue card) is 80/20 plan. You’re responsible for the 20% Medicare doesn’t cover.
There are 2 options to cover this:

Option 1 - Medicare Part C / Medicare Advantage Plan

• (usually includes Part D). Generally, $0 - $40 monthly premium Turing the 20% cost share into copayments for service.
• Medicare Advantage is a Medicare plan.  Insurance companies’ contract with Medicare to offer these plans, they include everything Part A and B offers plus more benefits.
• Since they are offered through insurance companies, they can include other types of coverage. Dental, vision, hearing, chiro, acupuncture, food cards, credit to CVS OTC, gym memberships etc.
• Both HMO and PPO plans are available

Option 2 Medicare Supplement Plan or Medigap

• Supplement plans are straight insurance and are not Medicare plans, you pay a monthly premium to have this plan.
• These plans are underwritten for both age and health,
• Average premium is $120 at 65 and goes up every year (age 80 average $300). With this option you will need a Part D drug plan, average price of $33
• If you want dental vision and hearing insurance, there is an extra cost for that

Reviewing your current Plan annually

Is your current plan still in your best interest?
Has anything changed from when you signed up originally?

• Do you live in multiple states?
• Can you afford your current plan comfortably?
• Has your new budget changed at all?
• Will your doctor come to you?
• Do you want to change doctors?
• Does your doctor specialize in geriatric care? 
• Do you need more transportation?

• Are you in an assisted living or do you have a caregiver coming into the home?
• Do you need dental work?
• Do you have dentures?  
• Do you have hearing issues?
• Do you wear glasses?
• Does your plan cover Food, Utilities, Over the Counter Items?
• Etc…

Give us a call at 480-999-4409 or fill out the form below to set up a time to review and or make changes. 
We can help over the phone, in your home or at our office. Which ever is more comfortable for you.