Ralph Bredahl is an Independent Medicare Broker in Gilbert Arizona and is licensed in the state of Arizona. Medicare beneficiaries in Arizona have many choices when deciding on a Medicare Advantage plan and it can be a confusing choice. To enroll in an Arizona Medicare HMO you must have Medicare Part A and Medicare Part B, pay your Medicare Part B premium and live in the plans area (such as Maricopa or Pinal county in Arizona)
“As an Independent Medicare Broker in Arizona I have clients telling me that the task of choosing a plan for their needs is daunting” explained Ralph Bredahl, an independant broker with Arizona Medicare Advisors. HMO (Health Maintenance Organization)
HMO (Health Maintenance Organization)
PPO (Preferred Provider Organizations)
PFFS (Private fee For Service) Medicare beneficiaries in Arizona can opt for a Medicare Advantage PFFS plan. An individual enrolled in a PFFS can go to any Medicare-approved doctor or hospital that accepts the plan's payment terms and agrees to treat you. However, not all health care providers will. In some PFFS that have a network, an individual may be able to go out-of-network for certain services usually, for a higher cost. Arizona plans are generally available by county of residence.
POS (Point of Service) Like an HMO, an Arizona Medicare Advantage POS plan requires that you have or select a primary care physician from within the plan network. And like a PPO plan, you have the option of using out-of-network physicians. The difference is that an out of network provider must first be approved by the plan. Unapproved out-of-network care will not be covered by the plan or by Medicare. In addition, you usually pay more for an approved out-of-network service than for the same service in-network.
SNP (Special Needs Plans) Special Needs Plans (SNPs), a form of Medicare Advantage plan, were authorized in 2003 to provide a managed care option for three groups of beneficiaries with significant or relatively specialized care needs
1. Medicare beneficiaries who are dually eligible for Medicare and Medicaid (In Arizona AHCCCS)
2. Beneficiaries living in nursing homes or other institutions.
3. Beneficiaries with severe chronic or disabling conditions. Several companies in Arizona offer SNP plans
To learn about Medicare Supplements and Medicare Part D Plans go to