|Plan Type||Est. Premium*|
|Medigap Plan A:||$115.00||(shop rates)|
|Medigap Plan C:||$127.00||(shop rates)|
|Medigap Plan F:||$134.00||(shop rates)|
|Medigap Plan N:||$99.00||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Arizona. You must request a quote to get an exact premium for your situation.
This page outlines Blue Cross Blue Shield of Arizona Medigap Plans sold in Arizona. BCBS of Arizona is licensed with the Arizona State Board of Insurance to sell Medicare Supplement insurance. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Arizona seniors (see plans offered below). BCBS of Arizona received an rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Arizona seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Arizona Medigap Plan A policy. It's a Issue Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- United of Omaha Medigap Plan A (Arizona)
- UnitedHealthcare Medigap Plan A (Arizona)
- Transamerica Medigap Plan A (Arizona)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Arizona offers it in Arizona. The monthly premium is calculated using the Issue Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Forethought Life Medigap Plan C (Arizona)
- Central States Medigap Plan C (Arizona)
- Sentinel Security Medigap Plan C (Arizona)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Arizona. Blue Cross Blue Shield of Arizona offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Arizona by comparing quotes from these insurance carriers:
- Forethought Life Medigap Plan F (Arizona)
- Central States Medigap Plan F (Arizona)
- Transamerica Medigap Plan F (Arizona)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- GPM Life Medigap Plan N (Arizona)
- UnitedHealthcare Medigap Plan N (Arizona)
- Central States Medigap Plan N (Arizona)
You are eligible to apply for a BCBS of Arizona Medicare Supplement if you are:
- A resident of Arizona,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Arizona offers plans in Scottsdale, Phoenix, Peoria, Surprise, Mesa, Tucson, Tempe, Yuma, Avondale, Buckeye, Chandler, Goodyear, Gilbert, Lake Havasu City, Flagstaff, Bullhead City and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on