Offering all of the major Medicare options in Arizona.

There are three basic types of plans:

• Medicare supplements
• Medicare Advantage plans ( MA- MAPD )
• Stand Alone Part D (PDP) drugs plans.

We can help you with Medicare plan designs, enrollment periods, and eligibility requirements. Working with a local Arizona broker can save you time and money. Our staff has assisted thousands of individuals with their health care needs. We are committed to you, not the insurance company. Let us help you make the right choice!

Medicare supplements or Medigap plans work with your original Medicare Part A & B. The plans A- L are the same with every carrier. The only difference between plans from one carrier to the next is the monthly premium. All benefits are the same. They are regulated and standardized by the government. These plans DO NOT include prescription drug plans and must be purchased separately.

Medicare advantage (MA or MAPD) plans generally have copays for services and may or may not include a part D drug plan. There are three types of Medicare Advantage plans HMO, PPO and PFFS. These are the most affordable plans with many having no monthly premium. Medicare Advantage plans have limited enrollment periods. You must be enrolled in part A & B to be eligible for a Medicare Advantage plan.

Stand Alone drug plans (PDP) are for prescription only. The PDP plans are the result of The Medicare Prescription Drug, Improvement, and Modernization Act of 2003, a federal law that brought the most dramatic changes to the Medicare program since it began in 1965. There are several PDP options available in Arizona with a wide range of benefits and pricing.

This is not complete listing of the plans available in your service area. For a complete listing please contact 1-800-Medicare or consult www.Medicare.gov.

Offering Medicare Supplement ( Medigap) & Medicare Advantage plans from Arizona's leading carriers

• Medicare Advantage plans from Cigna, Health Net, and Humana
• Medicare Supplements or Medigap plans from Blue Cross and Blue Shield of Arizona and Mutual of Omaha
Stand Alone Part D (PDP) drugs plans.