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Monday to Friday: 9AM - 5PM
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Your Trusted Insurance and Medicare Experts
At Lopez and Sanders LLC, we are committed to providing a wide range of insurance and Medicare services tailored to meet the unique needs of our clients in Nogales, Arizona. Our expertise in the insurance field ensures that you receive the best possible advice and coverage options.
Insurance Services
Navigating the world of insurance can be complex, but our experienced team is here to help. We offer a variety of insurance products to protect you and your loved ones:
- Health Insurance: Protect your health with comprehensive health insurance plans, including Medicare options, that cover medical expenses, hospital stays, and preventive care.
- Life Insurance: Ensure your family's financial security with our life insurance policies that offer peace of mind and protection for your loved ones.
- Business Insurance: Protect your business with tailored insurance solutions that cover employee benefits.
Medicare Services
Understanding Medicare and choosing the right plan can be challenging. At Lopez and Sanders LLC, we specialize in Medicare products and are dedicated to helping you find the best options for your healthcare needs:
Medicare Advantage Plans (Part C)
Enjoy comprehensive coverage that includes hospital, medical, and prescription drug benefits, all in one plan. Medicare Advantage Plans available in Arizona include:
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- PFFS (Private Fee-For-Service)
- SNPs (Special Needs Plans)
Medicare Part D (Prescription Drug Coverage)
Ensure you have access to necessary medications with our Medicare Part D plans that cover prescription drug costs. Available plans in Arizona include a variety of standalone Part D plans with different formularies and pricing structures.
Medicare Supplement (Medigap) Plans
 Cover out-of-pocket costs that Original Medicare doesn't pay for, such as copayments, coinsurance, and deductibles. Arizona offers various Medigap plans, including:
- Plan A
- Plan B
- Plan C
- Plan D
- Plan F
- Plan G
- Plan K
- Plan L
- Plan M
- Plan N
Why Choose Lopez and Sanders LLC?
Expert Guidance
Our knowledgeable team stays up-to-date with the latest changes in the insurance and Medicare industries to provide you with the most accurate and reliable advice.
Personalized Service
We take the time to understand your unique needs and recommend the best insurance and Medicare solutions for you.
Local Expertise
As a trusted local business in Nogales, AZ, we are committed to serving our community with integrity and professionalism.
Medicare Plans Available in Arizona
Medicare Part A (Hospital Insurance)
- Coverage: Inpatient care in a hospital, hospice care, home health care, and skilled nursing facility care. Benefits include a semi-private room, medications, meals, social services, and lab services.
- Exclusions: Custodial care (non-skilled personal care for daily activities) is not covered unless medically necessary in a skilled nursing facility.
- Cost: Most people pay no premium if they or their spouse have worked and paid Medicare taxes for at least 10 years. Others may pay a premium based on the number of quarters worked.
- Enrollment: You can apply for Medicare online or contact us for personalized assistance.
Medicare Part B (Medical Insurance)
- Coverage: Outpatient care, preventive services, telehealth visits, and other medical services outside of a hospital setting.
- Exclusions: Part B typically covers 80% of approved services; the remaining 20% is out-of-pocket unless you have additional coverage.
Medicare Part C (Medicare Advantage)
- Coverage: Combines Part A and Part B benefits and often includes additional services like dental, vision, and prescription drugs. Plans available include HMO, PPO, PFFS, and SNPs.
- Advantages: Covers gaps in Original Medicare, providing comprehensive care.
Medicare Part D (Prescription Drug Coverage)
Coverage: Helps cover the cost of prescription medications. Various standalone plans are available with different formularies and pricing.
Medicare Supplement (Medigap) Plans
- Coverage: Covers out-of-pocket costs not covered by Original Medicare, such as copayments, coinsurance, and deductibles.
- Plans: Arizona offers various Medigap plans, including Plan A, B, C, D, F, G, K, L, M, and N.
At Lopez and Sanders LLC, we are dedicated to helping you secure the insurance and Medicare coverage you need for a healthier and more secure future. Thank you for choosing us as your trusted insurance partner.