Best Medicare Supplement Plans in Arizona

There are ten Medicare Supplement Plans in Arizona to choose from.

Medicare Supplement Plan G in Arizona is the best plan for most beneficiaries, followed by Plan N and High Deductible Plan G.

How Much Do They Cost per Month?

  • Plan G: $131 to $212
  • Plan N: $92 to $175
  • High Deductible Plan G: $40 to $125

What Do Medicare Supplement Plans Cover?

Below is a list of the top four plans with coverage highlights:

Most Popular: Medicare Supplement Plan G

  • Medigap Plan G is Arizona’s most comprehensive Medicare Supplement insurance plan for beneficiaries.
  • Medicare Plan G offers lower premiums with almost the same benefits for those also qualified for Plan F.
  • It covers Part A deductible but not Part B deductible.
  • Covers Part B excess charges and coinsurance plus copayments and foreign travel emergency expenses.

Best Value: 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. The 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. 

Best Full Coverage: 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.

What’s the Most Popular Medicare Supplement Company in Arizona?

Based on our review of several key factors, Aetna is the top Medicare Supplement company in Arizona.

Although Aetna Medigap plans may provide some of the most affordable options in Arizona, cost should not be the only factor when selecting a Medicare Supplement provider. Every company has its unique pros and cons based on its coverage methods.

Aetna stands out among the competition due to its cost-effectiveness, numerous plan options, household discounts on premiums, and excellent customer satisfaction ratings.

This chart compares Aetna with other Medicare Supplement companies in Arizona. You’ll find helpful information here, like sample premiums and ratings.

Plan G CostCompanyFinancial Strength
$131 Aetna A
$135Mutual of OmahaA+
$139 CignaA
65 y/o male, nonsmoker
Plan N CostCompanyFinancial Strength
$107Mutual of OmahaA+
65 y/o male, nonsmoker

When Can I Sign Up for 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 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 to Choose a Medigap Plan in Arizona

As you compare plans available in your area, consider these factors:

Monthly premium: This is paid in addition to your Part B monthly premium. It is a set amount you pay each month, regardless of whether or not you use your benefits. The premium costs are determined based on several factors, such as the type of plan selected, age, gender, tobacco use, and state of residence.

Plan options: With every type of plan, you are offered basic coverage for Part A copays and coinsurance, at least a portion of the Part B copays and coinsurance, three pints of blood, and hospice care. However, other benefits may not be included. Check which benefits are most important to you before finalizing your purchase.

Insurance provider: Always check the ratings and reviews to understand other people’s experiences when looking for a carrier. You can also contact a company representative to discuss their customer service levels and responsiveness.

Extra discounts: Some insurance companies offer additional benefits or discounts once you become a member. For example, you may have access to discounted hearing aid providers or eyeglass suppliers.

Frequently Asked Questions:

What Are the Most Popular Medigap Plans in Arizona?

The most popular are Plan G and Plan N. Each plan provides different levels of coverage for different types of healthcare costs, such as doctor visits, hospital care, and nursing home care.

How Much Does Medigap Cost in Arizona?

The average cost for a policy can range from $40-$250 per month, depending on your age, plan type, and factors such as gender and tobacco use.

Next Steps

We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you’re getting the best possible service. Review our Medicare Supplement Plans Comparison Chart and look deeper at the plans. Additionally, you can call us today to learn more or request a quote online.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

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. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.