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AZ Medigap Plans
Arizona is a very popular state for retirees. The great weather and outdoors is the main draw to the area. With so many retirees it’s a good thing there is a great selection of Medigap carriers to choose from. Companies such as Mutual Of Omaha, Cigna, UnitedHealthcare®, Medico, Philadelphia American, Equitable, IAC, CSI, Manhattan Life, Blue Cross/Blue Shield, Humana, Physicians Mutual, Aetna, Sterling, Sentinel, Bankers Fidelity, Bankers Life, and Colonial Penn are some of the top carriers.
When comparing companies it is important to know that Medicare Supplement insurance plans or “Medigap” plans are standardized and they are exactly the same no matter what company is offing them. For example, Plan F is the same whether it is being offered by UnitedHealthcare®, Mutual Of Omaha, Cigna or any other carrier. The only difference is the price. That is why it is important to compare rate before you buy. Call us at 800-208-4974 for free rate comparison.
What Plans To Choose?
The most popular plans are F, G and N. Plan F is the most popular plan as it covers 100% of what Medicare does not cover in full. There are no out-of-pocket of expenses on Plan F. Medicare Supplement Plan G is also a great plan and can make more sense than a Plan F. The only difference between F and G is the Medicare Part B deductible is not covered on Plan G, which is $203 in 2021; this is an annual deductible. Finally, Plan N can also be a good option for someone who does not see the doctor that often. You can learn more about plan N here.
How To Compare Rates?
In Arizona, carriers are not allowed to sell “attained age” policies. This means the rates cannot increase solely because of your age. In most states, the rates increase every year as you get older, but not in Arizona. The rates will, however, increase over time due to inflation and the number of claims the insurance company is receiving.
Because all companies offer standardized plans and the benefits are the same it is important you don’t end up overpaying for your coverage.To prevent this from happening we can provide you with a free quote comparison. Call us at 800-208-4974 or use our online quote request tool to compare rates!