PROVIDING HEALTHCARE SOLUTIONS FOR INDIVIDUALS IN ARIZONA AND BEYOND

Medicare Advantage Plans are health plans offered by private insurance companies that contract with the government to provide Medicare Parts A and B, also known as Part C. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you're enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren't paid for under Original Medicare. Most Medicare Advantage Plans also offer prescription drug coverage; these plans are known as Medicare Advantage Part D Plans (MAPD).

Part D is a supplement to original Medicare (Parts A & B) by providing additional prescription drug coverage. They can be attached to regular Parts A and B, Medicare Supplement Plans (also known as Medigap Plans), some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. Private insurance companies approved by Medicare offer these plans. Prescription drug coverage may also be included by Medicare Advantage Plans and follow the same rules as Medicare Prescription Drug Plans.

Medicare Supplement Plans, also known as Medigap, are designed to fill in the coverage gaps of Original Medicare A & B. Most of them cover Medicare Co-Insurance and deductibles. Medigap plans are also provided by private insurance companies contracted through the government.

Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics such as limited income. Medicare SNPs tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve. Chronic Condition SNP (C-SNP): You have one or more of these severe or disabling chronic conditions: Cardiovascular disorders, Chronic heart failure, Diabetes, Chronic lung disorders, and End-Stage Renal Disease (ESRD). These plans can be changed once a quarter every calendar year.

For people 64 years to 64 years and 11 months, this is pre-Medicare coverage, which is great for couples with one spouse who is not yet Medicare age if you are in good health and need a quick solution to fill a coverage gap until Medicare is eligible.