Medicare Insurance in Arizona – Can You Use Medicare Insurance When Traveling?

The first question everybody asks when they are getting ready to travel is, how will they be covered by travel insurance. For many, the questions are about Medicare. There are ways that Medicare will cover you when you will travel. There are ways to supplement that as well.

At Right Choice Insurance and Taxes, we want Tuscon, AZ residents to have their Medicare questions answered when they are traveling. We can help you answer all of your Medicare and travel insurance questions.

Medicare Advantage 

Medicare Advantage will help you with health insurance when you are traveling in the United States. This will cover your medical emergencies, but other kinds of medical care may not be covered. You will also need to use doctors with the Medicare Advantage Plan.

Because these benefits can be specific by the state, you will have some out-of-pocket expenses. If you have health care needs that you will need maintained outside your state when you travel, tend to them before you travel. Then your only health insurance worries will be covered by Medicare Advantage if you have a medical emergency.

Medicare Overseas

Medicare will also cover you when you are traveling overseas for medical emergencies. The services that will be covered will depend on what Medicare plan you have. Medicare Part A will cover for any services after you are admitted into a hospital. 

Medicare Part B would cover that, plus any treatments prior to any admission. If you do not require hospitalization, you may be held responsible for those costs.

Supplement With Travel Insurance

Supplementing your Medicare with travel insurance can help you to be covered for any health care problem when traveling in the United States, or overseas. At Right Choice Insurance and Taxes, we can help Tuscon, AZ residents on Medicare be covered for health care, no matter where they are traveling. Call us for a quote today.

What are the Benefits of Renters Insurance?

As a renter, you may feel that there’s no real need to invest in renters’ insurance. This can be particularly true if you don’t feel that you own anything of real value. However, losing a $400 laptop may be distressing for you, even if it’s not what you consider to be a really expensive item. In short, renters insurance protects your items. Regardless of how expensive or they are. This insurance can make the difference between having to replace lost or stolen items out of pocket, or having insurance coverage that can reimburse you for your material losses.

Renters Insurance Can Create Peace of Mind and Financial Security in the Event of a Loss 

Our team at Right Choice Insurance and Taxes of Tuscon, AZ understands how easy it is for renters to mistakenly think that they don’t need renters’ insurance. This is one of the many reasons why we’re committed to helping you understand all of the benefits of renters’ insurance. First and foremost, renters should understand that renters’ insurance provides insurance for their belongings as well as liability coverage. This type of coverage can provide for any damage or injury you’re found legally liable for. This type of insurance may protect you financially in various situations. Also, renters should keep in mind that your landlord’s property insurance will not cover your damage, stolen, or lost possessions. This is why it’s best to invest in this coverage for yourself. Our team is standing by to answer your questions and explore the many benefits that renters insurance can provide. Give us a call. We’re here to walk you through the process and answer your questions. 

The ABCs of Arizona Motorcycle Insurance

Most Tucson, AZ residents who purchase motorcycle insurance are not conversant with what they are buying. Unluckily, it’s after the worst strikes they realize they aren’t cushioned against specific perils. Ensuring that you and your motorcycle are safeguarded involves more than just safe riding techniques, but the secret is arming yourself with the right motorcycle insurance. 

Whether you ride a vintage bike, cruiser, custom chopper, or cruiser, Right Choice Insurance and Taxes can help you purchase motorcycle insurance that suits your riding style, budget, and other needs. But before buying coverage, here are facts that every Tuscon, AZ rider should know even as they purchase motorcycle insurance.

Motorcycle insurance is mandatory in Arizona.

Motorcycle insurance in Arizona is legally required, and you must produce proof of insurance before registering your motorcycle. Hitting the roadways of Arizona devoid of insurance attracts dire consequences and penalties like fines and license suspension. Besides, if you are liable for an accident, you have to pay for medical costs and repair costs out-of-pocket. 

State-mandated minimum insurance is never adequate.

Complying with the state-required motorcycle insurance minimums is vital, but it doesn’t safeguard you and your bike optimally. Mandatory insurance is tailored to protect other parties, not you and your motorcycle. It’s, therefore, prudent to consider other motorcycle insurance options to enjoy well-rounded protection.

There are money-saving discounts available.

The affordability of any insurance coverage you choose is the most critical parameter when considering various available options. Some motorcycle insurance plans offer versatile discounts. Ensure that you discuss the available discounts with an insurance agent when shopping for an insurance plan.

Your insurance company can cover roadside assistance

Some motorcycle riders are unaware that motorcycle insurance provides roadside assistance coverage when your bike breaks down unexpectedly away from home.

Motorcycle insurance can cover your gear too.

When you are involved in a crash, your bike is not the only thing that suffers damages. Sometimes, your helmet, gear, or special equipment gets damaged too, and it’s expensive to replace or repair. In light of this, you can consider a special equipment coverage add-on to protect your riding gear.

Buy motorcycle insurance today!

Are you shopping for motorcycle insurance in Tuscon, AZ? Request a free motorcycle insurance quote today at Right Choice Insurance and Taxes. This way, you will get peace of mind, knowing that you and your motorcycle are well safeguarded.

4 Myths About Auto Insurance

Auto insurance is an age-old practice in the US, yet it’s ridden with multiple myths. Like other myths, auto insurance myths are often rooted in truth but become distorted as information moves from one person to another. However, with a competent agent like Right Choice Insurance and Taxes of Tuscon, AZ, we can help demystify common auto insurance myths crowding the industry.

The color of your vehicle affects the auto insurance premium

This myth is widely peddled; you might mistake it for gospel truth. Folks out there will convince you that the color of your car (especially red) affects the auto insurance premium. This statement isn’t true. Auto insurance companies consider the below factors when computing your auto insurance rate.

  • Vehicle model
  • Age, gender, education level, and occupation
  • Claim history
  • Driving record
  • Credit rating

As you can see, color isn’t one of the considerations. Your insurance company doesn’t even know the color of your vehicle.

State-required auto insurance is adequate.

While observing the minimum state-required auto insurance is vital, it doesn’t give optimal coverage. The state minimums don’t protect your vehicle. Instead, they cover bodily injury and property damage caused to third parties. For this reason, you should consider the below auto insurance coverages for maximum protection.

  • Comprehensive coverage to protect your vehicle against non-collision perils.
  • Collision coverage to protect your vehicle against accident-related damages.
  • Medical payments coverage to pay for medical expenses for injuries you or your passengers sustain in an accident.
  • Underinsured/uninsured motorist coverage to protect you against motorists carrying little or no insurance.

Personal auto insurance covers your car if used for business

Commercial auto insurance is designed to protect vehicles used for commercial purposes. If you use your vehicle to run business errands, it won’t be covered by personal auto insurance in an accident.

Traffic violations automatically lead to higher premiums

While traffic tickets like DUI and speeding may increase your auto insurance rate, minor traffic offenses like parking tickets don’t affect your auto insurance rate. 

Do you need more facts on auto insurance? Contact Right Choice Insurance and Taxes for more information. Better yet, you can visit our Tuscon, AZ offices to speak to one of our agents in person.

Health insurance terms you need to understand

Health insurance is not optional. It is a necessity. Without it, people tend to avoid taking important preventative care. To have a lifetime of good health, you need to get the care you need before any health issue you may have becomes a major problem. Choosing the right health insurance can be very stressful as you weigh one policy against another. Understanding a variety of insurance terms is important when making such a vital decision. At Right Choice Insurance and Taxes in Tucson, AZ, our experienced team is here to help you with this important choice. 

Out of pocket maximum

This is usually listed as a dollar amount and is one of the most important figures you need to consider. This is the most you will be required to pay in any calendar year for your medical expenses. This includes copay, deductibles, and coinsurance. Basically, this is what keeps you from having to declare bankruptcy if you have a lengthy illness or serious accident. 


The network is the healthcare professionals and institutions your insurance carrier has contracted to provide services at predetermined prices. Making sure your preferred providers are in the network is important. 


A deductible is an amount you are required to pay out of pocket before your insurance starts to pay for services. 


A copayment is your portion of the cost of any service that is provided to you. Copays are variable depending on the type of service you are receiving. You may pay a different copay for an office visit and an X-ray. 


Coinsurance is your portion of a provided service, usually referred to as a percentage of the service’s negotiated cost. 

Call or visit Right Choice Insurance and Taxes in Tucson, AZ for your health insurance needs.

Do I need Life Insurance As a Young Person WITHOUT Dependents?

Many young people may feel that life insurance isn’t a true need until you get older or have a family. However, nothing could be further from the truth. Most of us won’t leave this earth as young people. As a result, it pays to put safeguards in place to help us as we age and grow families. Waiting until we’re older to invest in this beneficial insurance can significantly differ in how much we’ll pay. Right Choice Insurance and Taxes of Tuscon, AZ is committed to educating young people about life insurance benefits.

The ABC’s of Life Insurance

Life insurance is less expensive the younger you are. This means that the best time to purchase life insurance, in terms of cost, is while you’re still in your twenties or thirties. Beyond your thirties, life insurance becomes more expensive to purchase. A key reason to purchase life insurance as a younger person can lock in a good rate that you will continue to pay for years, depending on the type of life insurance you invest in. Term life can be a good purchase for a young person because you will pay that same small rate over the insurance policy term once you lock in the lower rate. In essence, investing in life insurance at a young age grants you lower premiums and reduces the cost you’ll pay on life insurance over the course of your lifetime.

Other Benefits…

Life insurance also has the ability to reduce the worry and stress associated with funeral costs and other final expenses. Life insurance is cheaper for young people because there’s less risk of insuring a healthy young person. Term life insurance is often considered one of the better investments for young people because the low cost of purchasing hundreds of thousands of dollars in coverage makes it very affordable to purchase and keep this insurance well into your elder years. Suppose you have questions about purchasing life insurance as a young person, give us a call. We’re here to help. 

Does Homeowners Insurance Cover Flooding?

Homeowner’s insurance doesn’t cover flooding or damage caused by floods. However, it does cover water damage. Understanding the difference between the two is something that Right Choice Insurance and Taxes of Tuscon, AZ is committed to helping Arizona understand. This understanding may help residents to determine if additional investment in flood insurance might be beneficial to them.

What Is the Difference Between Flood Damage and Water Damage?

One of the easiest ways to determine if damage to your home or property would fall under flood damage or water damage is to understand that water that touches the ground first before entering your home is considered flood damage. Flooding is considered a progressive occurrence rather than sudden or accidental. However, homeowners insurance will cover water damage caused by overflow and discharge water damage. This can include damage caused by rain and storms and the fracture of heating, air conditioning, sprinkling, or plumbing systems. However, it would be best to keep in mind that water damage caused by insufficient maintenance will not be covered.

What Does Homeowners Insurance Cover?

Homeowner’s insurance does cover some forms of damage caused by water. The type of water damage determines the key difference in terms of coverage. For example, damage caused by extensive rain and storms is covered under homeowner’s insurance. Also, home insurance usually covers water damage that results from storms, rainwater, and the escape of liquid. If you live in a flood area, you need to pay close attention to what type of water damage is covered in your homeowner’s insurance. You may need to purchase optional/additional flood insurance in the event of a flood that would cause damage not covered by your homeowner’s policy. If you have questions about what homeowner insurance covers and if flood insurance would be a good additional insurance option, give us a call. We’re here to answer all of your questions.