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medicare plans in arizona

medicare plans in arizona
If you’re a beneficiary in Arizona, you may have many different options available when it comes to getting your Medicare coverage.
In Arizona, as in the rest of the United States, the Medicare program generally works in the same way, regardless of where you live. You may choose to get your coverage through Original Medicare, Part A and Part B, which is the government-run program for seniors and certain disabled adults. From there, you can also add on prescription drug coverage with a stand-alone Medicare Prescription Drug Plan (Medicare Part D), since

Original Medicare only offers limited prescription drug benefits. Medicare Prescription Drug Plans are available through private insurance companies that contract with Medicare.
Alternatively, Arizona beneficiaries can choose to get their Medicare Part A and Part B coverage through Medicare Advantage (Medicare Part C), which is also available through Medicare-approved private insurance companies. These plans must cover at least the same level of benefits as Original Medicare, but many also offer additional benefits, such as prescription drugs, health wellness programs, routine vision and dental, or hearing coverage.

Medicare Advantage plans in Arizona may also have different costs than Original Medicare, and the specific benefits available will depend on your county and zip code. If you choose to enroll in a Medicare Advantage plan that includes prescription drug coverage, also known as a Medicare Advantage Prescription Drug plan, you can get all of your Medicare health and prescription benefits under a single plan. You must continue to pay your Part B premium as well as any Medicare Advantage plan premium.
The UnitedHealthcare Medicare Advantage plans cover features and benefits in addition to those included in Original Medicare. Members in some areas may have different plans from which to choose. The plans often include an integrated Medicare Part D prescription drug benefit.

UnitedHealthcare MedicareComplete Assure (PPO).
Health Maintenance Organization (HMO) plans have a defined network of contracted local physicians and hospitals to provide member care. Generally, members must use these care providers to receive benefits for covered services, except in emergencies. Some HMO plans do not need referrals for specialty care.

Preferred Provider Organization (PPO) plans offer members access to a network of contracted physicians and hospitals, but also allow them the flexibility to seek covered services from outside of the contracted network, usually at a higher cost. Members do not need a referral for specialty care.
PPO plans are available as either local PPO (certain counties within a state) or regional PPO (RPPO) offerings. RPPOs serve a larger geographic area – either a single state or a multi-state area. RPPOs offer the same premiums, benefits and cost-sharing requirements to all members in the region.

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