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Best Medicare Supplement Plans in Arizona 2021

Medicare Supplement plans in Arizona allow beneficiaries to extend Medicare benefits from the federal Medicare program while reducing out-of-pocket costs. Expenses like coinsurance, copayments, and excess charges can become a burden for beneficiaries not enrolled in Medicare Supplement plans in Arizona, especially when you add Part D expenses.

What are the top 5 Medicare Supplement plans in Arizona?

The best Medigap plan in Arizona is the one that meets your health care needs without overextending your budget. Ideally, you will have a monthly premium that is less than the out-of-pocket costs that your plan eliminates.

Compare the following top five Medigap policies to see which plan options are right for you.

1. Best for Comprehensive Coverage – Plan F

  • The most comprehensive Arizona Medigap insurance policy for beneficiaries with a Medicare Part B effective date prior to January 1, 2020.
  • It Covers Medicare Part A deductible and Medicare Part B deductible.
  • Covers Part B coinsurance and excess charges plus copayments and foreign travel emergency expenses.

2. Best Extensive Coverage – Plan G

  • 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.
  • Covers Part A deductible but not Part B deductible.
  • Covers Part B excess charges and coinsurance plus copayments and foreign travel emergency expenses.

3. Best Coverage at Value Prices: 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 $20 copay for doctor’s office visits.
  • Requires up to $50 copay for emergency room visits. Copay is waived if the beneficiary is admitted.

4. Cheapest rates: High-Deductible Plan G

  • Offers the same benefits as Medicare Plan G once the annual deductible is met. You will pay the other 20% until you satisfy the $2,370 deductible.

5. Best for lower premiums: High-Deductible Plan F

  • Substantially lower premiums than original Medicare Plan F.
  • Beneficiary must pay out-of-pocket expenses until the deductible is satisfied.
  • After the $2,370 deductible is satisfied, all the Plan F Medicare benefits apply.

What is the Best Supplemental Insurance to go with Medicare?

The first step to getting the best Medicare Supplement coverage is to compare rates and plan limits. The right Medigap plan will fit your budget and your health care needs.

What is the most popular Medicare Supplement insurance plan in Arizona for 2021?

Medigap Plan G is quickly becoming the most popular Medigap plan in Arizona now that Medigap Plan F is unavailable to new enrollees.

Which plan has the best benefits in Arizona?

Medigap Plans F and G have the most comprehensive coverage. They also come with the highest premiums. The high-deductible F and G plans are a good alternative for beneficiaries able to pay some out-of-pocket costs but who want to keep those comprehensive benefits.

How do I choose the best plan?

You get the best Medigap rates by comparing the benefits offered by each plan and then 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

Which company offers the best rates in Arizona?

Medigap plan rates vary by zip code. Insurers may offer different rates to each zip code, so beneficiaries must compare rates individually. Our Policy Guides are always available to help you compare policy options.

What is the average cost for a Medicare Supplement plan in Arizona?

Arizona Medigap premiums vary between plan options, based on a variety of factors. The following data shows 2021 quotes for a female nonsmoker aged 65 and living in zip code 85224.

  • Medicare Plan G – Monthly premium range: $105.98 – $208.65; Average monthly premium: $132
  • Medicare Plan N – Monthly premium range: $85.55 – $151.16; Average monthly premium: $100
  • High-Deductible G – Monthly premium range $40.37 – $51.40; Average monthly premium: $47

Common Medicare Supplement Questions in Arizona:

When can I apply for an Arizona 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 for six months. You should sign up for a Medicare Part D plan at the same time, 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 current health condition or medical history.
  • Your plan will automatically renew every year as long as you pay your monthly premiums.

You can apply for Arizona Medigap plans after your Open Enrollment Period, but you will go through medical underwriting. 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.

What Companies Sell Medigap Plans in Arizona?

There are more than 60 private insurance companies authorized to sell Medicare Supplement plans in Arizona. While each plan provides the same benefits regardless of the insurer, each Medicare insurance company competes in pricing.

There are three leading Medicare insurance companies that consistently offer competitive prices on the most popular Medigap policies along with excellent customer service. All three are in excellent financial standing as well:

  • Aetna
  • Cigna
  • Mutual of Omaha

Which is better, Plan G or Plan N?

Plan G is the best option if you want to maximize benefits and limit out-of-pocket expenses. Plan N is better if you prefer to pay lower monthly premiums while accepting some out-of-pocket costs.

How does Medicare Plan N differ from Plan G?

  • Plan N requires small copayments for doctor’s office and emergency room visits while Plan G covers all coinsurance costs.
  • Plan G covers Medicare Part B excess charges, but Plan N does not.

What is Medicare Supplement Insurance?

Medicare Supplement insurance plans are designed to minimize out-of-pocket costs for beneficiaries of Original Medicare. They’re offered by private health insurance companies. You should only enroll through a licensed insurance agent authorized to sell Medigap plans in Arizona.

A supplemental Medicare insurance policy will require a monthly premium and will extend coverage beyond Medicare’s basic benefits. There are some medical expenses that it cannot cover:

  • Dental
  • Hearing
  • Vision
  • Prescription medication

Is Plan G the best Medigap Plan in Arizona?

How much does it cost?

In 2021, 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. Depending on the Medigap plan chosen, you may also have other out-of-pocket costs that aren’t covered by Original Medicare.

What is the Plan G deductible in 2021?

There is no deductible for Arizona Medicare Supplement insurance plans. The 2021 deductible for Medicare Part B is $203. Some Medigap plans cover that deductible.

What does Medigap Plan G cover in Arizona?

Related Topics

Plan G by State

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Arizona Medicare Resources

State Links

Arizona Enrollment Statistics

  • The five largest counties in Arizona are Maricopa County, Pima County, Pinal County, Yavapai County and Yuma County.
  • In 2018, close to 800,000 residents were enrolled in Original Medicare insurance in Arizona. When you also consider residents enrolled in Medicare Advantage and other special plans, there were approximately 1.3 million Arizona beneficiaries.
  • In 2015, approximately 250,000 people were enrolled in Medicare Supplement plans in Arizona.
Key Take Aways
  • In Arizona, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Arizona to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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