At Medicare Health Benefits, we’ve been helping Arizona residents navigate Medicare since 1996, and we’re proud to serve the vibrant communities of Yavapai County. Whether you’re living in Prescott, Sedona, or Cottonwood, we’re here to ensure you have the information and guidance you need to make the best choice for your healthcare in 2025.
Your Medicare Advantage Options in Yavapai County
Medicare Advantage plans in Arizona offer comprehensive coverage that combines hospital, medical, and often prescription drug benefits into one convenient plan. Here’s a snapshot of what’s available in Yavapai County:
- Total Companies Offering Plans: 8
- Total Plans Available: 39
- Plan Type Breakdown:
- PPO: 43.6%
- HMO: 15.4%
- HMO-POS: 12.8%
- HMO D-SNP (Dual Special Needs Plans): 10.3%
- HMO-POS D-SNP: 5.1%
- Regional PPO: 5.1%
- HMO C-SNP (Chronic Special Needs Plans): 2.6%
- PPO I-SNP (Institutional Special Needs Plans): 2.6%
- PPO C-SNP: 2.6%
No matter where you’re located—whether in Prescott (zip code 86301), Sedona (86336), or Cottonwood (86326)—we’ll help you find a plan that fits your needs and your lifestyle.
Types of Medicare Advantage Plans
We understand that choosing the right Medicare Advantage plan can feel overwhelming, but we’re here to simplify it for you. Here’s a breakdown of the plans available in Yavapai County:
Preferred Provider Organization (PPO)
- PPOs give you the freedom to see out-of-network providers at a higher cost.
- Referrals are not required for specialists.
This plan type is a great choice if you live in rural areas like Paulden (86334) and need more flexibility in provider options.
Health Maintenance Organization (HMO)
- HMOs require you to use a network of doctors and hospitals.
- Referrals are needed for specialist visits.
If you’re in a more centralized area like Prescott Valley (86314), an HMO plan can provide excellent coverage with lower premiums.
HMO-POS (Point-of-Service)
- These plans combine the affordability of an HMO with the flexibility to go out-of-network for some services.
HMO-POS plans are a solid option if you want to balance cost savings with flexibility, especially in Sedona.
Special Needs Plans (SNPs)
- SNPs are designed for individuals with chronic conditions, dual eligibility (Medicare and Medicaid), or those in nursing facilities.
For residents in Cottonwood, these plans provide additional care coordination and support for unique healthcare needs.
Understanding Costs and Maximum Out-of-Pocket Limits
One of the great features of Medicare Advantage plans is the built-in protection against excessive healthcare costs. Plans in Yavapai County come with annual maximum out-of-pocket (MOOP) limits. Here’s how they’re distributed:
- $0–$3,000: 15% of plans
- $3,001–$4,500: 40% of plans
- $4,501–$6,000: 35% of plans
- $6,001–$9,350: 10% of plans
Lower MOOP plans are especially beneficial for cost-conscious retirees in Prescott Valley. We’ll help you compare plans and determine what works best for your budget and healthcare needs.
How to Enroll in Medicare Advantage Plans
At Medicare Health Benefits, we’re here to guide you every step of the way. Here’s how you can get started:
Work with Us
Since 1996, we’ve been helping people like you navigate Medicare options. Our agents live and work in Arizona, so we understand the unique needs of Yavapai County residents. We’ll help you find the plan that includes your preferred doctors and offers the right balance of coverage and cost. Call us today at (520) 760-6223 to schedule a consultation.
Visit Your Local Social Security Office
For questions about Medicare eligibility or enrollment, you can also visit:
- Prescott Social Security Office
Address: 205 N Marina St, Prescott, AZ 86301
Phone: 1-800-772-1213
Enroll Online
If you’re comfortable exploring on your own, visit Medicare.gov to compare plans available in your zip code. We’re happy to review your findings with you and provide expert insights.
Ask Your Neighbors
Yavapai County is full of tight-knit communities like Jerome (86331) and Dewey (86327). Your neighbors may have valuable recommendations about their experiences with Medicare Advantage plans, and we’re here to help interpret and validate those insights.
Common Questions About Medicare Advantage
What Are the Copayments for Doctor Visits?
Copayments vary depending on your plan. Many HMOs in Prescott Valley feature low or no copays for primary care visits, and we’ll ensure you’re aware of your plan’s specific details.
Do Plans Include Dental and Vision Coverage?
Yes! Many plans in Yavapai County include dental, vision, and hearing benefits, which are highly sought after by residents in Sedona.
Can I Change Plans Later?
You can switch plans during the Annual Enrollment Period (AEP) or if you qualify for a Special Enrollment Period (SEP). For example, moving to a new County where your current plan is not available may give you an opportunity to adjust your plan.
Why Trust Medicare Health Benefits for Your Medicare Needs?
We’ve been helping Arizona residents with Medicare for over 25 years, and we know Yavapai County inside and out. Whether you’re enjoying the scenic beauty of Sedona, the historic charm of Prescott, or retiring in Cottonwood, we’ll help you find a Medicare Advantage plan that fits your needs.
Call us today at (520) 760-6223, and let’s take the stress out of Medicare together. Your health and peace of mind are our priority.
