MEDICARE SUPPLEMENT INSURANCE
A solid long-term solution to your Medicare Decision

  • Several plans to choose with A+ rated companies
  • A variety of plan choices to fit your budget and your medical needs
  • Innovative plans with unique features
  • Low cost high deductible plans
  • Riders that provide more than what medicare requires
  • Assistance finding an RX plan that is best suited for the medications you take
  • Sign up during your Initial Eligibility Period to take advantage of deep discounts
  • Ask about early enrollment and household discounts.

WHO ARE THEY BEST SUITED FOR?

  • Those who want the most flexibility in choosing their Doctors, Specialists and Hospitals
  • Those who want access to Specialists without referrals
  • Those who travel frequently
  • Snowbirds who have residences in more than one state

PRO’S

  • You can keep original Medicare A&B
  • Open to any provider who contracts with Medicare
  • Referrals to specialists is NOT required
  • Some plans cover excess charges for Non-Medicare providers
  • You are covered anywhere in the United States
  • Some plans include Foreign Travel

CON’S

  • There is a monthly premium – but you can pick a plan that fits your budget
  • You will have to purchase a separate RX plan

 

MEDICARE ADVANTAGE PLANS

WHO ARE THEY BEST SUITED FOR?
People under 65 who have Medicare A and B due to disability
People who are eligible for AHCCCS and are on Medicare A&B (Dual plan eligibility)

Individuals who can’t afford, or don’t want to pay for Medicare Supplement Insurance
Individuals who want a plan that includes the RX coverage
Individuals who don’t plan to spend too much time outside their service area

PRO’s
Many include your RX coverage
Many are $0 premium or low premium
Some plans offer extra benefits not generally included with Original Medicare


​CON’s

These are primarily network based plans with providers in your county only
Many $0 plans require referrals to specialists
Coverage generally does not extend outside the U.S.
Plan features, copayments and Providers may change from year to year
Copayments are required for nearly all services
Annual out of pocket spending limits are as high as $3200-$6700 per year

Elderly Couple, Medicare Coverage Arizona, Kim Kraft Insurance, Tucson, AZ

WHEN DO I START LOOKING and WHEN CAN I ENROLL?

When you are new to medicare:

  • Make an appointment about a year before you turn 65 or before you retire, so you can review options and plan for costs and cost savings
  • Up to 6 months before or within 6 months after your 65th birthday or your Part B effective date for a Medicare Supplement plan
  • Three months before through 3 months after your 65th birth month or Part B effective date you can enroll in a Medicare Advantage plan

Other eligibility periods outside of initial enrollment”

  • During Annual Enrollment each year (10/15 – 12/7) you can change, drop or add a Medicare Advantage plan
  • During Annual Dis-enrollment each year (1/1 – 2/14) you can drop your Medicare Advantage plan and apply for a Medicare supplement plan
  • Any time you may change your Medicare Supplement plan (you may be subject to health Underwriting)
  • When you move to Arizona and will lose your coverage from your current plan due to the move
  • Within the first 12 months of participation in a Medicare Advantage plan

 

Kim Kraft Insurance

kimkraftinsurance@cox.net 

(520) 240-8059 

 

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