medicare advantage plans tucson az

medicare advantage plans tucson az

The first step in choosing a medicare advantage plans tucson az is to compare quotes from different insurance companies. provides access to Medicare Part C plans from leading insurance companies. You can get a quote for plans available in your area from various providers through a licensed agent. You can even add prescription drugs to compare Medicare Advantage premiums for plans that include Part D coverage.

What’s the catch with $0 or very low premiums?
A network. That’s the catch. In order to use most MA plans, you agree to get your standard medical care (not including emergency care) within a specific network of physicians, hospitals or clinics, and pharmacies, and you’ll need referrals to specialists. If your doctors are not part of the MA network, you may want to choose another insurance plan.

Do I still have to pay for Medicare Part B premiums if I get an MA plan?
Yes. You can think of Medicare Advantage plans as primarily supplemental plans. You can choose MA after you enroll in Medicare Parts A and B. A difference with MA plans is in how the payments flow between Medicare, the health insurance companies, and the providers of health care services.
In the case of MA plans, Medicare pays the insurance companies a fixed dollar amount per month for coverage, then the insurer pays the providers a negotiated amount for services performed. In Original Medicare, payments are made to the hospitals or providers for Medicare’s share of any covered services you receive. You pay your share of Part B by way of a Medigap plan or from your pocket, depending on the plan you choose.

When can I enroll?
You can enroll in Medicare Advantage during:

  • Your Initial Coverage Election Period (ICEP).
  • Annual Election Period (AEP).
  • Special Election Period (SEP).
    Initial Coverage Election Period (ICEP).
    This is the 7-month period that begins 3 months before your initial entitlement to Part A and Part B (usually your 65th birthday month).
    During this time, you can elect to have just Original Medicare (Parts A and B) or add extra coverage with a Medicare Advantage or Medigap plan.
    Annual Election Period (AEP).
    AEP runs from Oct. 15– Dec. 7 each year, and is generally the one time of year you can make changes to your plan. If you don’t already have a Medicare Advantage plan, you can choose to enroll in one during this time. If you are currently enrolled in a Medicare Advantage plan, you can choose a different plan. If you do decide to make changes, your coverage is effective on Jan. 1.
    Special Election Period (SEP).
    These are periods of time outside of the ICEP or AEP when an individual can change his or her current plan. Some examples are:.
  • If you move outside the plan’s service area.
  • If you are enrolled in both Medicare and Medicaid.
  • If you qualify for low-income subsidy.
  • If you lose creditable drug coverage from your employer.
  • If your plan is no longer offered.
  • If your plan is terminated by Medicare.

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