Scottsdale’s Leading Medicare Insurance Advisor

    Insurance Agency Scottsdale

    Speak With a Licensed Medicare Agent:

    Our Why

    Scottsdale Pinnacle Medicare Advisors is a truly independent agency that is partnered with over 20 of the leading Medicare insurance carriers.

    Our mission is simple: To educate you on how Medicare works, and walk you through your Medicare options.

    Our unique quoting platform allows us to help you find the best plan at the absolute lowest rate. And, from there it’s simple; we manage your enrollment, along with your long-term policy needs.

    Our Offerings

    Medicare
    Advantage Plans


    In general, seniors have two options for core Medicare benefits: Original Medicare (often paired with a Medicare Supplement plan), or they can get a Medicare Advantage plan. Medicare Advantage plans, also called Medicare Part C or MA plans, are all-in-one plans that typically include dental and prescription coverage. Call us to find out which option will best fit your needs.

    Medicare
    Supplement Plans


    Original Medicare (Part A and Part B) covers most, but not all of health care costs. Medicare Supplement plans, also called Medigap, help fill the “gaps” so you have virtually no surprise out of pocket expenses. The vast majority of Medicare recipients opt for a Medicare Supplement plan as it is considered the best coverage available.

    Medicare Part D Prescription Plans


    Original Medicare does not cover the cost of prescription drugs. Medicare Part D, also called Prescription Drug Plans or PDP, are designed to help cover the high costs of prescription drugs. At Pinnacle Medicare Advisors we will help you find the best plan at the lowest cost.

    How Do I Know Which Medicare Plan Is Right For Me?

    We understand that with so many different options and information available, Medicare can be confusing and stressful trying to find the right plan. That’s why we’re here. Scottsdale Pinnacle Medicare Advisors is a full-service Medicare agency that is dedicated to help simplify the process for you. 

    Whether you’re looking to switch insurance plans, are new to Medicare enrollment, or have specific questions about a health condition, medication, or enrollment need, our advisors are there to guide you through the whole process. When you schedule a free consultation with our licensed agents, we listen & provide you with the best options for your needs & budget.

    FAQ

    How do I sign-up for Medicare?

    Signing up for Medicare is relatively easy to do. First, if you are already receiving Social Security, you will be automatically enrolled into “Original Medicare” (Parts A and B) without doing anything. Up to 6 months prior to your Part A and B start date, you will want to get your Medigap plan (also known as Medicare Supplement plan), along with your Part D (prescription drug plan).

    When do I sign up for Medicare?

    As discussed above, you will automatically be enrolled into Medicare if you already are receiving Social Security. If this is your situation, there is nothing else you need to do. Medicare will send you a card in the mail about 1 month in advance of the month in which you turn 65. Your Medicare will start on the 1st day of the month you turn 65 UNLESS your birthday is on the 1st day of the month in which case it will start on the 1st day of the preceding month.

    If you are not receiving Social Security and need to sign up for Medicare, you should do it 2-3 months prior to the month that you turn 65. Pinnacle Medicare Advisors can guide you through this process. 

    Should I enroll in Medicare if I work past the age of 65?

    If you plan to work past 65, you may be able to delay Medicare enrollment. Or, you may have to enroll during your Initial Enrollment Period in Parts A, B and D if you want to avoid late penalties.  It will depend on your employer and if your employer coverage is creditable.

    Some people who can delay Medicare insurance still choose to enroll in just Part A when they turn 65 in addition to their employer coverage. The Part A premium is free if you or your spouse worked and paid into Social Security for at least 10 years. Note though, if you do get Part A, you can no longer contribute to your HSA.

    What are the differences between Medigap Plans and Medicare Advantage Plans?

    Medigap plans are NOT Medicare Advantage plans and vice versa.  The two could not be any different in how they work.  The biggest difference is that Medigap plans (again, also known as Supplement Plans) work WITH Medicare and pay or “supplement” what Medicare does not cover, while Advantage plans work IN PLACE OF Medicare.  There are MANY other significant differences that your licensed Medicare agent at Pinnacle Medicare Advisors can discuss with you.

    Is dental, vision and hearing coverage included with Medicare?

    Original Medicare (Parts A and B) does not cover routine dental, vision and hearing care. If you decide to go with Original Medicare, separate dental, vision and hearing plans are available.  However, some Medicare Advantage plans do dental, vision and hearing. At Pinnacle Medicare Advisors, we have access to dozens of plans from the top carriers to best suit your needs.

    When can I change Medigap Plans?

    It is a common misconception that you can only change Medigap plans during the annual election period (October 15-December 7). That is NOT the case. The annual election period only applies to Medicare Part D and Medicare Advantage.

    After your initial open enrollment period – the 6 months following the month of your 65th birthday or Medicare Part B start date – you can change Medigap plans at any time.  In most cases, you do have to answer medical questions to be eligible to change from one company/plan to another. These health questions vary from company to company.

    Have Questions? Contact Us Using The Form Above & A Licensed Medicare Agent Will Give You A Call!