Phoenix Medicare Supplement Insurance Costs

Phoenix, AZ – Medicare Supplement Insurance Costs

Medicare Supplement costs in Phoenix, Arizona vary significantly.  The difference (in 2018) is as much as 186 percent.  That is for virtually identical Medigap insurance coverage.   This webpage will show you some real examples.

The American Association for Medicare Supplement Insurance encourages you to learn all you can about this important protection.  Medicare Supplement insurance is also sometimes called Medigap.  You’ll see us use the two terms interchangeably on our website.  Our Association does NOT endorse, sell or recommend any particular insurance company or Medigap policy.  We view our role as an advocacy and educational organization.  We serve both consumers and insurance professionals who market Medicare insurance protection.

Find Local Medicare Insurance Agents – Free Access To Online Directory

Find Arizona Medicare insurance costs from local specialists.

The Association’s website has the nation’s largest online database of local Medigap insurance agents.  Use our online look-up to find local Medicare Supplement insurance agents.  It’s FREE.  It’s ANONYMOUS.  You DO NOT ENTER any personal information to access the information.

SIMPLY CLICK THIS LINK to access the Association’s Directory of agents across Arizona.
You can see all agents closest to your Zip Code.
You select which agent or agents you want to call or Email (or don’t select anyone).
The Association offers this free, anonymous service for consumers seeking local Medigap experts.

Find Phoenix area Medicare agents

Lowest and Highest Medigap Costs in Phoenix, Arizona

COSTS FOR A 65-YEAR OLD FEMALE
The Lowest cost for Plan F, non-smoker, no discounts = $124.17-per-month.
The Highest cost for Plan F, non-smoker, no discounts = $355.18-per-month.
THAT’S A 186 PERCENT DIFFERENCE

COSTS FOR A 65-YEAR OLD MALE
The Lowest cost for Plan F, non-smoker, no discounts = $142.91-per-month.
The Highest cost for Plan F, non-smoker, no discounts = $403.79-per-month.
THAT’S A 182.5 PERCENT DIFFERENCE

Costs shown are based on the 2018 Association’s analysis of Medigap policy providers and is subject to change.

Click this link to see Medigap rates in other major cities across the U.S.

Questions To Ask A Medigap Insurance Agent

Medicare insurance choices can be confusing.   The plan options can vary.  So can what you’ll pay.  And, Medigap insurance prices can vary from one Zip Code to the next.  That means the policy that your friend or relative living nearby has may not be available to you.

Working with a Medicare insurance professional can make things much easier.   Choose someone who will explain your options and help you pick a plan that’s best suited to your needs and, of course, your budget.

Some Medigap insurance professionals will do this all over the telephone and/or Internet.  Others will have you meet in their offices.  Some will come to see you in your own home.  Agents do not charge for this valuable assistance.  They earn a commission that is built into the Medigap insurance policy.  Commissions are priced into the policy and paid to the agent by the insurance company.

The following are some suggested questions to ask when interviewing agents:

DO YOU REPRESENT ONE MEDIGAP COMPANY?  Or, DO YOU REPRESENT MULTIPLE COMPANIES?  Some insurance agents only offer Medicare Supplement insurance from one company.  Others, typically referred to as brokers, can offer policies from multiple companies.   We don’t recommend one over the other.  But, you should know this important piece of information.  Here’s a suggested way to ask: “how many Medicare insurance companies are you appointed to sell?”  “Appointed” is industry jargon.  It means the agent can actually sell you a policy from that specific company.  Agents only earn a commission from companies they are appointed with.

ASK ABOUT THE HISTORY OF RATE INCREASES?  The lowest price for Medicare Supplement insurance may seem attractive.  But rates insurers charge you can change.  That’s why it is important to ask the agent or broker about the company’s recent record of rate increases.  A good agent will have no problem sharing this information (hint, that’s a good way to identify a good agent).

When you are ready to find Medigap insurance agents for your area use the Association’s FIND AN AGENT look-up.   Some consumers query several agents to evaluate their responses and willingness to help.  That is a perfectly fine way to start!  Thanks taking the time to visit our website and read this information.

Jesse Slome
Director, American Association for Medicare Supplement Insurance