To view Blue Cross and Blue Shield of Arizona Medicare supplement plans and to apply online if you would like, please click HERE.
BCBSAZ Senior Security Medicare supplement Plan G is considered “Cadillac” coverage. There is no other Medicare supplement plan on the market that offers richer benefits. See any Medicare contracted doctor or hospital in the country. You may move out of state and keep coverage.
BLUE CROSS and Blue Shield of ARIZONA MEDICARE SUPPLEMENT:
Arizona Medicare Plans
Welcome to Michael Higgins Insurance, LLC., a health insurance agency with more than 40 years of experience. Michael Higgins offers individuals 65 years of age and over Medicare supplement plans from Blue Cross® Blue Shield® of Arizona.
Why Blue Cross of Arizona Medicare Supplement?
- Local broker and member support.
- Liberal underwriting.
- Now Offering Plan G.
- Senior Preferred (Medicare Select) statewide network of over 20,000 providers.
- Senior Preferred competitive pricing (Plan C as low as $102)!
- Gym membership, hearing aid discount and Rx card included in many plans.
- Stable rate increases, average of 3.5% per year over last five years.
- Plan transfer options available
BCBSAZ now offers Plan G. The Senior Security Plan G is considered “Cadillac” coverage, there is no Medicare supplement in the marketplace with richer benefits.
Another plan, the Plan C Senior Preferred, is an excellent value for those that live in Arizona year-round. Starting at around $100.00 a month, you will have access to over 20,000 providers in Arizona!
With the continual rise in out-of-pocket costs associated with Medicare A and B coverage through the federal government, most folks who are 65 years old and over simply can’t afford to be without a Medicare supplement policy. Arizona Medicare Supplement plans, also known as Arizona Medigap plans, are a type of private health insurance that helps seniors who have Medicare A and B pay for most of their “out-of-pocket” expenses such as co-insurance, co-payments, and deductibles that the original Medicare policy does not cover. Blue Cross and Blue Shield of Arizona Medicare Senior Security Plan G covers the vast majority of these costs, excluding the annual Part B $233 deductible and prescription medication. (A separate Part D prescription plan is highly recommended, with monthly premiums starting at less than $10 a month in many markets.) Arizona Medicare supplement plans only work in conjunction with Medicare A & B. Michael Higgins would like to remind you that a husband and wife must each buy separate Arizona Medicare supplement plans. A husband and wife may also choose different coverage plans if they would like.
Good News: BCBSAZ will apply a 5% discount to each BCBSAZ Medicare policy within the same household.
For Arizona residents, you are eligible to apply for an Arizona Medicare supplement plan if you are 65 years of age or older, enrolled in Medicare Parts A and B, and meet Arizona residency requirements such as having an Arizona address.
Although Medicare supplement plans have been standardized by the Centers for Medicare and Medicaid Services, these plans are sold and administered by private companies, such as Blue Cross Blue Shield of Arizona, a non-profit organization. Each type of supplement plan or Medicare Advantage policy offers a different combination of benefits, and premiums can differ from company to company, but typically not by much.
Mike Higgins has chosen to represent Blue Cross Blue Shield of AZ because, ” Over the years my experience has been that each time I compared prices and coverage offered by other Arizona health insurance companies for a client, Blue Cross® Blue Shield® of Arizona was always the best value.” This is still true to this day.
Please call Mike Higgins at 602.405.8769, any time, any day, to discuss the Medicare supplement plans offered by BCBSAZ. The Senior Security Plan G is a true Medicare supplement policy, not an Arizona Medicare Advantage plan. It is considered, “Cadillac,” coverage by most in the industry, at a very reasonable price.
Arizona Senior Security Medicare supplement applicants must have residency in Arizona when applying for coverage, though you may move out of state after enrolling and keep the policy, eliminating the need to shop for another plan in your new hometown.
Arizona Medicare plans
The Senior Security Plan G from Blue Cross Blue Shield of Arizona offers the most flexibility and choice for the consumer. There are no “lock-in” provisions and no “service area” restrictions as are found in Medicare Advantage plans or the Blue Cross Arizona Senior Preferred PPO plans. Another convenience is having full Medicare supplemental insurance coverage while traveling throughout the United States, along with limited coverage while traveling abroad. You have the complete freedom to see any Medicare participating hospital, doctor, or a specialist in the country with a Plan G. Approximately 94% of all hospitals and doctors in the country participate in Medicare… 99% if you exclude pediatric physicians.
Part D PRESCRIPTION COVERAGE
Michael Higgins Insurance does not offer Part D coverage.
Prescription medication is not a covered expense on Plan G, or any Medicare supplement policy for that matter. (Medications administered in a provider’s office or hospital typically are covered.) Purchasing a separate Part D prescription plan is simple and inexpensive, several of which are considerably less expensive than the national average monthly premium of $33.10. Please visit www.medicare.gov to comparison shop and enroll in a Part D prescription plan. Or, if you prefer, please call Mike Higgins and he will walk you through the simple enrollment process.
OPEN ENROLLMENT, ANNUAL ENROLLMENT, ADVANTAGE PLAN DIS-ENROLLMENT
Michael Higgins Insurance does not sell Medicare Advantage/Complete plans but does offer Medicare supplement plans which are available year-round.
Open Enrollment for Medicare Supplement Plans (or Medigap): The open enrollment period for a Medicare Supplement policy, or “Medigap,” plan is the first six months of turning age 65, and also enrolled in Medicare Parts A & B. You may submit an application for coverage before turning 65 so that everything is in place, but coverage will not begin before turning 65. If you currently have a supplement plan (not an Advantage plan,) and would simply like to switch insurance companies, you may do so at any time.