Independent Insurance Agency serving Arizona for over 30 years.
2410 E. Route 66
Flagstaff, AZ 86004
11225 N. 28th Dr. Ste-D
Phoenix, AZ 85029
Mountain Valley Insurance
4672 Maverick Ln.
Lakeside, AZ 85929
355 Main St.
Camp Verde, AZ 86322
Are you turning 65 and not sure what to do about entering Medicare? Are you already in Medicare and want to see if there is a better plan out there that could save you money? Whatever your needs are, we can help. We represent a variety of companies and plans that can help you to avoid high out-of-pocket costs that are associated with original Medicare.
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What Is Medicare?
Medicare is a government financed medical insurance program that is available to US citizens or permanent residents aged 65 and over. To receive Medicare you must be at least 65 years old and you must have worked for a minimum of 10 years (40 quarters) at a job that has paid money into the Medicare system, or be a spouse of someone who has worked for a minimum of 10 years. However, people aged 65 who have not met the minimum work requirements may still be able to get Medicare by paying an additional premium. Medicare is also available to some disabled people under age 65, and to people of all ages with permanent kidney failure who are being treated by dialysis or by a transplant.
The Parts of Medicare
Part A - Inpatient hospital care. Skilled nursing facility care. Hospice care. Home health care.
Part B - Outpatient care. Doctor's visits, diagnostic testing, durable medical equipment.
Part C - Medicare Advantage. HMO or PPO plan that includes all benefits and services under Part A and Part B. Also may include drug coverage and extra benefits. Run by private insurance companies.
Part D - Prescription drug coverage. Run by private insurance companies.
Fill the Gaps That Medicare Doesn't Cover
Medicare supplement insurance plans help pay for costs not covered under original Medicare. Deductibles, co-pays, and coinsurance under original Medicare can all add up without a maximum cap in any given year. Having the right plan in place can cover those out-of-pocket costs and help to protect your finances when complication arise. Contact us today to schedule a free consultation on which plan may best meet your needs.
Why choose us?