La Paz County Medicare Advantage Plans

In this article...
  • Learn more about Medicare Advantage Plans and costs in La Paz County. We provide an overview of premium costs, prescription drug deductibles and types of MAPD plans.

Medicare Advantage Plans are an alternative to traditional Medicare that let older adults enjoy benefits consolidated into a single plan. Some of these plans, known as Medicare Advantage Prescription Drug (MAPD) plans offer coverage for doctors, hospitals and medications. These plans are approved by Medicare but must be purchased from private insurance companies. Plan options vary by location. There are 13 plans available in La Paz County, Arizona, providing coverage to 1,483 beneficiaries. A full 63% of these plans are rated as four stars or higher by Medicare. 

Average Cost of Medicare Advantage Plans in La Paz County 

Beneficiaries usually pay monthly premiums for Medicare Advantage Plans and must meet deductibles. The average monthly premium payment in La Paz County is $27.99. Beneficiaries pay an average annual drug deductible of $295.63. The average in-network out-of-pocket maximum per year is $5,061.54. This refers to the amount beneficiaries pay before their policy covers 100% of covered medical and drug expenses. 

Learn More About Medicare Advantage Prescription Drug Plans

MAPD Plans give older adults an option to have their medical benefits bundled into a single policy, similar to private insurance. These plans can make it easier to understand benefits and manage medical bills. There are several types of MAPD Plans: 

  • HMO Plans are set up so that nearly all care is provided by a single company or in-network providers, and most medical care is provided by a primary care physician. 
  • Preferred Provider Organizations (PPOs) provide care through a network of providers. These plans may cover care from out-of-network providers at a higher cost to the beneficiary.
  • Private Fee-for-Service (PFFS) Plans allow beneficiaries to get care from any provider who has agreed to accept the policy's payments. 
  • Special Needs Plans (SNPs) are specially designed for beneficiaries with certain medical needs or chronic conditions such as kidney disease, diabetes or HIV. These plans are also available to those who qualify for both Medicare and Medicaid. 

Older adults also have the option to purchase a standalone Medicare Part D Plan to cover prescription drug costs. These plans, offered by private insurance companies, supplement other Medicare benefits by providing coverage for prescription drugs, over-the-counter medications and medical supplies.