life insurance phoenix az

life insurance phoenix az

Medicare Advantage plans in Arizona

Medicare Advantage plans coordinate care among your health care providers.
Medicare Advantage plans in Arizona
Typically Medicare Advantage plans are managed care and have networks of contracted health care providers. Example would be Health Maintenance Organization (HMO) Medicare Advantage plans These HMO plans require you to select a Primary Care Physician (PCP) who helps to coordinate your care.


Medicare Advantage plans that include prescription drug coverage may also have medication therapy management. This care coordination can be a convenience and a valuable aid to your health.
Medicare Advantage plans can serve as your “one-stop” center for all your health and prescription drug coverage needs.
Most Medicare Advantage plans combine medical and Part D prescription drug coverage. Many also coordinate the delivery of added benefits, such as vision, dental, and hearing care. You may prefer the convenience of working with one plan administrator.


Medicare Advantage plans can serve as your “one-stop” center for all your health and prescription drug coverage needs.
Most Medicare Advantage plans combine medical and Part D prescription drug coverage. Many also coordinate the delivery of added benefits, such as vision, dental, and hearing care. You may prefer the convenience of working with one plan administrator.
Cons of Medicare Advantage plans.
Medicare Advantage plans may limit your freedom of choice in health care providers


With the federally administered Medicare program, you can generally go to any doctor or facility that accepts Medicare and receive the same level of Medicare benefits for covered services. In contrast, Medicare Advantage plans are more restricted in terms of their provider networks. If you go out of network, your plan may not cover your medical costs, or your costs may not apply to your out of pocket maximum.
Medicare Advantage plans’ coverage for some services and procedures may require doctor’s referral and plan authorizations.
Medicare Advantage plans try to prevent the misuse or overuse of health care through various means. This might include prior authorization for hospital stays, home health care, medical equipment, and certain complicated procedures. Medicare Advantage plans often also require your primary care doctor’s referral to see specialists before they will pay for services.


Medicare Advantage plans have specific service areas.
Most Medicare Advantage plans have regional (rather than nationwide) networks of participating providers. To enroll, you must reside in the Medicare Advantage plan’s service area at least 6 months of the year. If you divide your time between homes located in different areas, this requirement may be difficult to meet.
The bottom line is that Medicare Advantage plans may provide more affordable coverage than you would receive otherwise. The trade-off is that you have to follow the Medicare Advantage plan’s rules to receive payment for covered services.
Do you have other questions about Medicare Advantage? Call us and speak with a licensed insurance agent about finding Medicare Advantage plans in your area and your Medicare coverage options.

Leave a Reply

Your email address will not be published. Required fields are marked *