You’ve given your best days to making something out of your life, for your family, and the nation, and now it’s time to lounge on your favorite reclining chair, while grandkids romp all about. But all this can easily be snatched away when there is a lack of access to good health care plans that cater for all the uncertainties of old age.

If you reside in Arizona, worry no more, because Medigap is here to fill in the void created by conventional healthcare plans. Now you probably wondering, what is Medigap? What happened to Medicare?

According to, Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). It comes in 4 parts (A-D)  that cover Hospital Insurance, Medical Insurance, Medicare Advantage, and Prescription Drug Coverage respectively.

Medigap is a supplementary health insurance offered by private companies like us to cover the costs overlooked by Medicare, such as co-payments, deductibles and healthcare outside the US. Medigap policies are available at a monthly premium and come in categories A, B, C, D, F, G, K, L, M and N. But as a precondition, you must be subscribed to either Medicare Part A or Part B.

We understand that one size can’t fit everyone. That’s why each of Arizona’s 10 Medigap plans comes with unique offers to fit everyone. That way, you don’t get stuck with more or less insurance cover than necessary. For instance, Arizona‘s Medigap Plan A covers the cost of coinsurance and co-payment for Medicare Part A and B for up to a year,  even after Medicare benefits have been used up. What about Plan N?  It covers everything Plan A does, goes further to offer skilled nursing facility care coinsurance, and foots 80% of healthcare expenses incurred outside the US, subject to plan limits, and that’s just 2 plans. There are 8 more in between. With Medigap, you cannot be stuck for choice.

And that’s where we come in.  Our seasoned insurance brokers are ever on hand to guide you through the process of choosing the plan that suits you perfectly with a series of tested and trusted questions. Another thing you should know- it doesn’t matter who you buy the Medigap policy in Arizona, as your insurance policy is identical across board, but we can help to get the best price!

It is noteworthy that Medigap plans operate per person. So in the event you want to purchase a family plan, you’ll have to purchase one per head. Medigap also does not cover eyeglasses/eye care, hearing aids, private duty nursing and long term care.  Eligibility is also restricted to persons above 65, and young persons eligible for Social Security for more than 2 years and patients with end stage renal disease.

But on a final note- it would be advisable to apply for Medigap within the 6 months window for enrolment, that is, first 6 months after turning 65. Not only will your application be promptly accepted without extra consideration of your health history or condition, you also have a greater chance of getting the plan that suits you the most. Unlike late application that might limit your choices and thus, prevent you from getting the package that fits you.

Learn more about Medigap plans & rates in Arizona at  Our Arizona Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Arizona today.  To talk to an expert in Arizona Medigap coverage call toll free 888.404.5049 today!

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