Arizona Medicare Insurance Plans

Medicare Supplement Insurance (Medigap) Policies

The state flag of Arizona | Arizona Medicare Insurance Plans

Arizona does not mandate plan providers to sell Medicare Supplement Insurance (also called Medigap) policies to Medicare recipients under age 65. Some plan providers may still offer Medicare Supplement Insurance options to those under 65, but they may charge higher costs or set other restrictions that do not apply to those 65 and older.

Mini-COBRA Policies (Small Group)

In Arizona, small employers (less than 20 employees) are not required to offer COBRA continuation coverage for employees.

Arizona Medicare Savings Program

Arizona offers four Medicare Savings Programs that individuals who qualify may apply for through AHCCCS. You must (a) be an Arizona resident, (b) be a U.S. citizen or a non-citizen who qualifies for Medicaid, (c) apply for any pension, disability, or retirement benefits available to you, and (d) be eligible under one of the following categories of applicants.

The following data is from 2016 and is based on federal amounts.  These amounts may increase in 2017.  If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*

  • Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 or couples with a monthly income under $1,355 who are receiving or are eligible for Medicare Part A, the state pays all premiums for Medicare Parts A and B, Medicare coinsurance, Medicare deductibles, and Medicare copays if you are enrolled in a Medicare HMO.
  • Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with monthly income under $1,622 who are receiving Medicare Part A, the state pays the Medicare Part B premium.
  • Qualified Individuals (QIs): For individuals with monthly income under $1,357 or couples with income under $1,823 a month who are receiving Medicare Part A, the state pays the Medicare Part B premium.
  • Qualified Disabled and Working Individuals (QDWIs): For individuals with monthly income under $4,045 and couples with income under $5,425 per month who lost disability benefits due to earnings and are eligible to enroll in Medicare Part A, the state pays the Medicare Part A premium.

*Data from www.medicare.gov

**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.

State Health Insurance Assistance Program (SHIP)

The Arizona SHIP Program is a counseling service to help Arizona Medicare Insurgence Plans beneficiaries and their families and caregivers understand their Medicare options. It is an independent organization made possible by federal funding with no ties to health insurers. Arizona SHIP is staffed with trained volunteers who provide expertise on:

  • AHCCCS eligibility, benefits, and claims
  • Long-term care insurance
  • Medicare Advantage Plans (Part C)
  • Medicare cost sharing and dual eligibility
  • Medicare and Medicaid fraud
  • Medicare Prescription Drug Plans (Part D)
  • Medicare secondary payer information
  • Medicare Supplement Insurance (Medigap)

Low-Income Subsidy (Extra Help) for Prescription Drugs

In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple) and up to $13,640 in resources ($27,250 for a married couple).

If you live in Arizona and have questions about the benefits listed above and how to choose the health care coverage that is best for you, consult with one of our MedicareSolutions.com licensed sales agents for customized help. Our licensed sales agents can help you compare plans in your area to ensure you find the Medicare insurance benefits that are right for your needs.