Yuma County Medicare Advantage Plans

In this article...
  • Learn about the costs and availability of Medicare Advantage Prescription Drug Plans in Yuma County and find out what types of MA Plans are available.

Medicare Advantage Plans (MA Plans) offer older adults and people with disabilities a way to receive consolidated Medicare benefits through government-approved private insurance companies. Medicare Advantage Prescription Drug Plans (MAPD plans) include prescription drug benefits, and many offer coverage for dental, vision and hearing care. In Yuma County, 16 Medicare Advantage plans are available and provide coverage to 11,407 beneficiaries. Medicare rates 40% of these plans as four stars or higher. 

Average Cost of Medicare Advantage Plans in Yuma County

Beneficiaries are required to pay a small monthly premium for MAPD plans. The average monthly premium for an MA Plan in Yuma County is $19.94. Plan beneficiaries are required to meet an annual drug deductible, meaning they must pay a set amount for medications before their MAPD plan covers drug costs. In Yuma County, the average yearly drug deductible is $296.36. 

The average in-network out-of-pocket spending max for MA plans in Yuma County is $5,409.38. Subscribers must pay this amount before the MA plan covers 100% of medical and drug costs. 

Learn More About Medicare Advantage Prescription Drug Plans 

There are four common types of Medicare Advantage Plans: 

  • Health Maintenance Organization (HMO) Plans
  • Preferred Provider Organization (PPO) Plans 
  • Private Fee-for-Service (PFFS) Plans
  • Special Needs Plans (SNPs) 

HMO plans require beneficiaries to get care from providers in the plan's network, with some exceptions for emergency care. HMOs typically try to manage costs by encouraging preventative care and require referrals for specialists. PPO plans also provide the most coverage for in-network providers and services, but there is some coverage for out-of-network care.

Under a PFFS plan, the insurance company predetermines how much it will pay doctors and other providers. These plans don't require specialist referrals. SNPs are plans specifically tailored to people with specific diseases or needs, including diabetes, renal disease, HIV, heart failure and dementia. 

A standalone Medicare Part D Plan (PDP) offers another option for obtaining prescription drug coverage. Private insurance companies provide PDPs, and these plans can help older adults with prescription drug costs. Unlike MA Plans, PDPs only offer coverage for medications. MA plans include Medicare Part D coverage for prescription drugs but also provide coverage for other medical services.