Medicare agent serving Tempe, Arizona.
Turning 65, reviewing your plan options, or have Medicare questions? Get personal guidance for Tempe, Arizona, and understand how your coverage choices fit your providers, prescriptions, budget, and enrollment situation.
No fee for our guidance. No obligation to enroll.
Ask a question or explore your options. We’ll follow up to arrange a convenient time to talk.
I’m Scott Lavit, founder of Medicare Universe. I’m based in Phoenix and work with Tempe residents by phone or virtually to explain available Medicare Advantage, Medicare Supplement, and Part D options from our represented carriers.
- One-on-one help from Scott
- Options from multiple carriers
- Support beyond enrollment
Medicare help for the decision in front of you.
Medicare questions can come with a birthday, a retirement decision, a move to Tempe, or a plan you already use. Start with the decision or question you want to understand.
Start with a clearer plan.
Understand sign-up timing, current employer coverage, and your Medicare coverage paths before choosing a private plan.
Get help starting Medicare →See how your coverage fits today.
Review doctors, medications, pharmacy costs, and priorities. Compare available options and understand whether an enrollment period permits a change.
Explore a coverage review →Ask what’s on your mind.
Get help understanding benefits, a plan notice, retirement, moving, or an enrollment window. You do not need to be shopping for a different plan.
Ask a Medicare question →Get Medicare guidance in Tempe.
Turning 65, reviewing your plan options, or have Medicare and enrollment questions? Share your contact information and we’ll follow up to arrange a convenient time to talk.
- Start with the help you need.
Request a conversation about getting started, existing coverage, or a question you want answered.
- Talk with a licensed insurance agent.
Discuss your situation with Scott, including your doctors, prescriptions, budget, and priorities when relevant.
- Understand your next step.
Compare available options from our represented carriers when appropriate and discuss enrollment timing. There is no obligation to change plans.
A Phoenix-based person to turn to.
Scott serves Tempe by phone and virtually, with help available throughout the year. Start with a question; you do not need to have a plan picked out.
Get Medicare Guidance
Turning 65 soon? Want to review your plan options? Have Medicare or enrollment questions? Connect with Scott Lavit for personal guidance. No fee for our help. No obligation to enroll.
Medicare Universe is an insurance agency and a non-government entity. We are not connected with or endorsed by the U.S. government or the federal Medicare program. Requesting information does not enroll you in a plan. Insurance premiums and plan costs still apply.
Please don’t submit Social Security numbers, Medicare numbers, or medical records in this request form. Privacy Policy · Terms and Conditions
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Build your Tempe comparison around your actual care locations.
Tempe residents may receive primary care in the city and hospital or specialist care in Mesa, Scottsdale, Chandler, or Phoenix. Build a complete provider list rather than relying on one hospital or insurance-company name.
Name the practice and the exact clinician.
Mountain Park Health’s Tempe Clinic is on East Broadway Road and lists adult medicine among its services. If you use this clinic or another Tempe practice, provide the physician and exact location so participation can be checked for the plan you are considering.
Include Banner Desert if you receive care there.
Banner Desert Medical Center is on South Dobson Road in Mesa. It is a neighboring-city example, not a Tempe hospital. Include it alongside your doctors and other facilities if it is part of your care. Check the precise plan rather than assuming participation from the Banner name.
Look across your full East Valley care team.
Tell us if you see specialists in Scottsdale, have imaging in Chandler, or use a Phoenix hospital while living in Tempe. Include therapy, labs, and outpatient surgery locations when relevant. City boundaries alone do not establish a provider’s network status.
These are examples to help prepare your provider list. Medicare Universe is an independent insurance agency. Facility references do not establish an affiliation or that a particular plan includes those providers.
Plan around work, retirement, and everyday life in Tempe.
Whether you live near Downtown Tempe, the university area, or south Tempe, your coverage conversation should reflect the practices, pharmacies, and benefits you actually use. Ask the question that matters to you first.
Tell us the question you want to resolve, whether it concerns starting Medicare, reviewing your current plan, or understanding a coverage or enrollment issue.
Coordinate employer and retiree benefits.
If you work for ASU or another Tempe employer, check with the benefits administrator before replacing or changing coverage. Active employee coverage, retiree coverage, and COBRA can lead to different Medicare timing decisions.
Check routine care outside Tempe.
A nearby doctor in Mesa, Scottsdale, Chandler, or Phoenix is not automatically in network. Use the precise physician, practice address, and plan name when confirming participation and any referral requirements.
Bring your pharmacy and prescription details.
List medication names and strengths and the Tempe pharmacy location you prefer. A drug being covered does not mean costs are identical at every pharmacy or that all plans use the same coverage rules.
Discuss a move or time in another state.
Tell us your permanent address, moving timeline, and destinations where you expect to receive care. A move may affect service areas and enrollment rights; routine care during travel needs its own provider-access review.
Medicare plan options in Tempe.
Your residential address, providers, prescriptions, budget, and preferences help shape the comparison. We’ll explain available options from the carriers we represent and the differences that matter to your situation.
Medicare Advantage
Private plans that provide Part A and Part B benefits, usually with Part D included. Compare the specific network, cost sharing, referral rules, and medical out-of-pocket maximum. You generally continue paying the Part B premium.
Understand Medicare Advantage →Medicare Supplement
Works with Original Medicare to help pay certain covered out-of-pocket costs. Compare premiums, benefits, and enrollment protections. Explore our Plan G guide and Plan N guide. Part D is generally separate.
Explore Medicare Supplement plans →Prescription drug coverage
Use your actual medications and preferred pharmacy to compare drug lists, tiers, coverage rules, and costs. A monthly premium is only one part of a useful prescription-cost comparison.
Explore Part D coverage →Medigap and Medicare Advantage are separate coverage paths. Medigap does not pay Medicare Advantage cost sharing. Availability, eligibility, benefits, and costs vary. Review coverage options at Medicare.gov.
Get clearer about the Tempe coverage you have and the options available.
A plan review can begin with a question about a doctor, a new prescription, a notice from your insurer, or a cost you want to understand. You do not have to decide to switch plans before asking for help.
Begin with the questions that matter to you.
We’ll start with your current coverage and priorities, then discuss available options from the carriers we represent when appropriate. If you want to pursue a change, we’ll explain the enrollment timing and next steps that apply.
Your plan’s Annual Notice of Change describes changes taking effect in January. If that notice prompted your question, bring it to the conversation along with your current benefits information.
A review does not obligate you to switch. Questions are welcome throughout the year, while enrollment or plan changes require the applicable enrollment rights.
Turning 65 in Tempe? Coordinate the timing before choosing coverage.
If you’re approaching 65 while working, retiring, or helping a spouse, start with your current benefits information. We can explain Medicare basics, help you identify questions for your benefits administrator, and compare coverage paths when you are ready.
Understand sign-up and your timeline.
Some people get Parts A and B automatically; others need to apply. Social Security generally handles enrollment, with the Railroad Retirement Board handling applicable cases. Check official Medicare sign-up information.
Coordinate current coverage before making changes.
Current employment coverage, employer size, drug benefits, and any Health Savings Account can affect the conversation. COBRA and retiree coverage have different rules. Explore retiring and employer coverage.
Compare coverage after the basics are clear.
We can explain Medicare Advantage, Original Medicare with a Supplement, and Part D options from our represented carriers. You can sign up for Medicare without starting Social Security retirement benefits.
Tempe Medicare questions.
Ask about local provider access, plan options, enrollment periods, or the coverage you already have.
Is there a fee to get Medicare help in Tempe?
Medicare Universe does not charge a fee for Medicare education, plan comparison, or enrollment assistance. Insurance carriers compensate licensed agents for eligible enrollments. Your insurance premiums and other plan costs still apply. Requesting help does not obligate you to enroll.
Can I ask Medicare questions at any time of year?
Yes. Guidance is available throughout the year. Enrolling in or changing Medicare Advantage or Part D coverage requires an applicable enrollment period, while Medigap has separate rules. We can help you understand what may be possible in your circumstances. Learn about Medicare enrollment periods.
Can you help review my Tempe primary care practice?
Yes. Share your doctor’s name, medical group, and exact Tempe office address. We can help review available options from the carriers we represent. Confirm participation with both the plan and provider, including whether the practice is accepting patients under the particular plan.
Can I include Banner Desert even though I live in Tempe?
Yes. Banner Desert Medical Center is in Mesa. Include it if you receive care there, along with the doctors who treat you. Living in Tempe does not itself determine whether that hospital or an individual physician is in network for a specific plan.
I work for ASU or another Tempe employer. Should I enroll at 65?
That depends on your current benefits and employment situation. Ask the benefits administrator how the coverage coordinates with Medicare. Employer size, coverage type, drug coverage, and any Health Savings Account can matter. We can help you understand the questions to resolve before making a plan decision.
Can my review include specialists in several East Valley cities?
Yes. Include each clinician, practice, and facility you want considered, even if your appointments are in different cities. We can help examine specific provider participation, referral rules, prescription needs, and costs under the available plans you are considering.
What if I’m moving to Tempe from another state?
Start with your moving date, new permanent address, and current Medicare coverage. Medicare Advantage and Part D service areas may affect your choices, and a move may create a Special Enrollment Period. We can help identify what to check before you change or cancel coverage.
What is the difference between annual enrollment and Medicare Advantage open enrollment?
The fall Annual Enrollment Period runs October 15–December 7 for Medicare Advantage and Part D choices. Medicare Advantage Open Enrollment runs January 1–March 31 for people already in Medicare Advantage and permits one qualifying change. Special Enrollment Periods may apply after certain life events. Medigap has different rules. Check Medicare’s enrollment guidance.
When should I start if I’m turning 65?
A few months before your birthday is a useful time to begin. For most people turning 65, the Initial Enrollment Period lasts seven months: the three months before your birthday month, that month, and the three months after. Employer coverage and other circumstances can affect the right timing. Explore Medicare eligibility.
Which Medicare plan is best for me?
There is no single plan that fits everyone. Your providers, prescriptions, budget, travel, preferences, and enrollment rights all matter. We compare available options from the insurance companies we represent and explain the tradeoffs. We do not offer every plan available in your area.
Can I switch to a Medicare Supplement without health questions?
That depends on your timing and applicable protections. Your Medigap Open Enrollment Period and certain guaranteed-issue rights can allow purchase without medical underwriting. Outside applicable protections, underwriting may apply. Before leaving other coverage, review your eligibility and acceptance options. Read Medicare.gov’s Medigap guidance.
Do I have to come to an office?
No. Scott is based in Phoenix and serves Tempe residents by phone and virtually. Use the guidance request form to arrange a convenient conversation about your questions, current coverage, or available options.
What should I prepare for our conversation?
Start with your questions, residential county and ZIP code, and any current insurance. For a plan comparison, a list of doctors, prescriptions, and preferred pharmacies is helpful. You do not need everything ready to request help. Please do not enter Medicare numbers, Social Security numbers, or medical records in the initial form.
Another source of Medicare information for Tempe residents.
Arizona SHIP and local Medicare assistance
Arizona SHIP provides Medicare information and counseling through a public program. Its state resource page lists local contacts, including assistance for Maricopa County beneficiaries, families, and caregivers.
Visit the official resource →Medicare help across the Valley.
If a family member lives nearby or your care involves another city, explore our related service-area guides. Available plans depend on the person’s residential address.
A clearer next step for your Medicare coverage.
Turning 65, reviewing your plan options, or looking for Medicare answers in Tempe? Get personal guidance from Scott Lavit.
Medicare Universe · Based in Phoenix, serving Tempe, Arizona.
Licensed in Arizona, New Mexico & California.
Prefer to text? 602-905-6745