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Available Medicare Plans

Medicare Supplement (Medigap)
  • You pay a monthly fee in addition to the Part B premium, and the private plan covers the costs in Original Medicare.

  • There are 8 plans (each has its own letter) standardized by the Federal Government, but offered by private insurance companies.*

  • The monthly fee can generally range from $50 - 350, depending on the plan type and your home state.

  • No drug coverage, or dental, hearing and vision benefits.

  • No medical underwriting up to 6 months after enrolling in Part B at age 65 or older

  • Guaranteed renewable

  • Coverage nationwide; no provider network

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Medicare Advantage (Part C)
 
Medicare Advantage
  • All the benefits of Part A and Part B

  • You’re still in the Medicare program, but plans are offered by private companies

  • Most plans include prescription drugs

  • Many plans offer additional benefits:

    • Routine dental

    • Routine eye exams and eyeglasses

    • Hearing tests & aids

    • Wellness programs

 
Costs
  • Continue to pay the Part B plan premium

  • Many plans are $0 premium

  • But you have out-of-pocket co-pays and co-insurance when you use services

  • Typically have annual out-of-pocket maximum

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Other Factors
  • You may need a referral to see a specialist

  • Coordinated care support with provider network

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Prescription Drug Coverage (Part D)
 
Plans cover:
  • Most common medications

  • Specific brand name & generic drugs according to the plan’s formulary (drug list)

  • Vaccines not covered by Part B

 
How it works
  • You pay a monthly premium. The average premium is ~$33.

  • You have a co-pay for each medication, based on its tier. There are 4 or 5 tiers, from lowest to highest priced.

  • You may also have a deductible

  • You may have to use a specific pharmacy network

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You can get Part D via a stand-alone Part D plan OR via a Medicare Advantage plan that includes prescription drug coverage (MAPD)

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Dual Special Needs Plans (D-SNP) 
  • You qualify for Medicaid (AHCCCS) and Medicare

  • You are entitled to additional benefits not available to other medicare beneficiaries including additional Dental, Vision, and Hearing services, as well as a monthly grocery allowance!

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Chronic Special Needs Plans (C-SNP)
  • Additional help if you are living with a chronic condition such as diabetes or heart disease

  • You or your loved one is enrolled in the state Long Term Care Program (ALTCS)

  • You or your loved one is living in a nursing home or needs additional care

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Dental Plans
  • Stand alone dental plan options are available for you in the event (1) you opt for a Medigap Plan that does not include dental or (2) Do not qualify for Dental Coverage

Contact

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Not affiliated or endorsed by the federal government or Medicare.

 

© 2025 Medicare Mike.

All Rights Reserved.

We do not offer every plan available in your area. Currently we represent 15 organizations which offer 75 products in your area. Please contact medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP) to get information on all your options. Call 480-360-0462 to speak with one of our insurance agents today.

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