Types of Medicare Advantage in Arizona, Explained
A Medicare Advantage plan is a type of health insurance that is offered through a private company. It provides all of your Medicare benefits in Arizona.
In Arizona, Medicare Advantage Plans include:
AZ HMO Plans: Health Maintenance Organization (HMO) Plan
Most Medicare Advantage plans only allow you to go to certain healthcare providers, hospitals, or doctors' offices, except in an emergency. You can also ask your primary care doctor for a referral to other specialists or doctors. See and compare different types of HMO Plans in your area.
AZ PPO Plans: Preferred Provider Organization (PPO) Plans
A Medicare Advantage plan known as a PPO Plan is a type of insurance that's typically offered by a private company. It provides lower prices when you use health care providers that are part of the plan's network. However, it can also cost more if you use other providers outside of the network.
AZ PFFS Plans: Private Fee-for-Service (PFFS) Plans
A Medicare PFFS Plan is a type of insurance that's typically offered by a private company. Unlike traditional Medicare or Medigap, it doesn't provide the same level of benefits. It determines how much it will pay for various healthcare services, including hospitalizations and doctors' offices.
AZ SNP Plans: Medicare Special Needs (SNP) Plans
A Medicare SNP is a type of insurance that's typically offered by a private company. It limits membership to people with specific conditions or characteristics, and it can customize its benefits and drug formularies to meet the needs of its Arizona-based members.
Michelle de Guzman
Licensed Arizona Medicare Agent
Contact Michelle through Medicare Agents Hub »
I believe that finding a Medicare Policy that fits your needs and your budget should be painless. I am called "Medicare Michelle". I earned my Bachelor of Science in Applied Mathematics from California State University at Long Beach in 1991 and have been working in the insurance industry since 1999. I use the latest technology to help my clients see plans that cover what is most important to them while weeding out the plans that either don't cover their doctors or don't cover their medications. I work diligently to find my clients the lowest total cost for their medications while still getting a quality plan to cover all their Medical needs. My focus is on helping seniors make informed decisions about their Medicare options. I specialize in Medicare Supplements, Medicare Drug Plans, and Advantage plans. Whether you are transitioning from employer group coverage after turning 65, turning 65, and are new to Medicare or if you have been on Medicare for many years, I can help you navigate the process.
I take pride in finding the perfect plan for each client's lifestyle and budget and making the process as easy as possible. My motto is to always treat clients the way I would want my parents and grandparents to be treated. My greatest achievement is when a client refers me to their loved ones. In my personal life, I enjoy reading, playing bingo, kayaking, hiking, and collecting vintage and antique costume jewelry. I currently reside outside San Antonio, TX, with my husband Mike, who is retired from law enforcement and serves as my executive assistant.
