Best Medicare Supplement Plans in Arizona

There are 10 Medicare Supplement Plans in Arizona to choose from. Medigap Plan G in Arizona is the best option for most beneficiaries, followed by Plan F, and Plan N. These three are the most popular and are considered by many to be the best.

Medicare Supplement Plan G

  • Medigap Plan G is the most comprehensive Medicare Supplement insurance plan in Arizona for beneficiaries with a Part B effective date after January 1, 2020.
  • For those also qualified for Plan F, Medicare Plan G offers lower premiums with almost the same benefits.
  • It covers Part A deductible but not Part B deductible.
  • Covers Part B excess charges and coinsurance plus copayments and foreign travel emergency expenses.

Medicare Supplement Plan N

  • Less comprehensive coverage for lower monthly premiums.
  • Medicare Part B deductible and Part B excess charges are not covered.
  • Covers deductible for Medicare Part A.
  • Plan N Requires up to a $20 copay for doctor’s office visits.
  • Requires up to $50 copay for emergency room visits. Copay is waived if the beneficiary is admitted.

Best Low-Cost Plan: High Deductible Plan G

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • Significantly Cheaper than Medicare Plan G
  • High Deductible Plan G is Considerably Cheaper than High Deductible Plan F yet Covers everything in high deductible F except for the Part B Deductible 

Medicare Supplement Plan F

  • Medicare Plan F is the most comprehensive Arizona Medigap insurance policy for beneficiaries with a Medicare Part B effective date before January 1, 2020.
  • It Covers Medicare Part A deductible and Medicare Part B deductible.
  • Covers Part B coinsurance, excess charges, copayments, and foreign travel emergency expenses.

Medicare Supplement Insurance prices in Arizona

Arizona Medigap premiums vary between plan options based on a variety of factors. The following data shows 2023 quotes for a female nonsmoker aged 65 and living in zip code 85224 ranging from $117.00 to $220.00 per month for Plan G.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When can I enroll in a Medicare Supplement Plan?

Your eligibility for a Medicare Supplement insurance plan in Arizona begins the month that you enroll in Medicare Part B and are 65 years old. That month begins your Medigap Open Enrollment Period, which lasts six months. You should simultaneously sign up for a Medicare Part D plan since Medigap insurance doesn’t include prescription drug coverage.

You will receive the best rates during that period because you’re entitled to the following social security guaranteed issue rights:

  • The insurance company must accept your application for coverage.
  • You must receive the same rates as other Medicare beneficiaries applying for the same plan, regardless of your health condition or medical history.
  • Your plan will automatically renew yearly as long as you pay your monthly premiums.

You can apply for Arizona Medigap plans after your Open Enrollment Period, but you will undergo medical underwriting. In addition, pre-existing conditions are likely to increase your rates dramatically, and Medicare insurance companies can deny your coverage if you don’t qualify for a special enrollment period.

How do I choose the right plan?

You get the Medigap rates by comparing each plan’s benefits and the rates offered by different private health insurance companies. Personal factors like your age and zip code will impact your pricing.

Think about the following when selecting a Medicare Supplement plan in Arizona:

  • Budget for out-of-pocket costs and premiums
  • Frequency of doctor visits
  • Need for foreign travel emergency coverage

FAQ:

Is Plan G offered in Arizona?

In 2023, the average Medicare Plan G monthly premium for a female nonsmoker aged 65 and living in Arizona zip code 85224 is $132. Medigap plan rates vary depending on zip code, age, gender, and tobacco usage.

Medicare Supplemental insurance coverage doesn’t include a prescription drug plan, so you will also have the expense of a Medicare Part D plan. In addition, depending on the Medigap plan chosen, you may also have other out-of-pocket costs that Original Medicare doesn’t cover.

Arizona Medicare Resources

State Links

Ready to learn more?

We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.