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Best Medicare Supplement Plans in Arizona

See popular Medigap plan types, top carriers and price comparisons for Medigap policies in Arizona.

Medicare Supplement plans in Arizona help cover medical expenses that the federal government’s Medicare plan does not cover. Enrolling in a “Medigap” plan – another name for Medicare Supplement Insurance – fills the gaps in coverage that Original Medicare does not.

including out-of-pocket costs such as:

  • Co-payments
  • Deductibles
  • Co-insurance
  • Outpatient Care
  • Additional hospital costs
Find Plans in Your Area
 

Most popular Medicare Supplement Insurance plan types in Arizona

Not all coverage options will work for everyone. Plans differ in coverage and cost. It’s important to discuss which supplement plans will work best for you with your insurance agent.

Medicare Supplement Plan F: Best Full Coverage

Monthly Premium Average: $172.30

Medicare Plan F is a popular plan in Arizona for its full-coverage benefits and reasonable monthly premiums. Plan F is best for individuals that can afford the monthly premium and want full coverage to avoid out-of-pocket expenses. To qualify for this plan, the beneficiary must have enrolled in Medicare prior to ​​1/1/20. 

Benefits:

  • Skilled nursing facilities
  • $0 Medicare Part A and B deductible
  • No Medicare Part B excess charges
  • Foreign travel emergency healthcare

Restrictions:

  • Requires enrollment in Standard Medicare Part B 
  • Not available if you turned 65 after 1/1/20
  • Not available to some people under 65
  • Medicare start date must be before 1/1/2020

Medicare Supplement Plan G: Best Comprehensive Coverage

Monthly Premium Average: $114.19

This is the best plan for people that want comprehensive coverage with a lower monthly premium. While plan F covers the small Medicare Part B deductible, Plan G does not. However, it still covers nearly everything that Plan F does. This plan is available for beneficiaries that enrolled after 1/1/20. Individuals can save significantly with this plan versus Plan F if they have the flexibility to choose. 

Benefits:

  • Skilled nursing facilities
  • $0 Medicare Part A deductible
  • No Medicare Part B excess charges
  • Foreign travel emergency healthcare
  • No specific Medicare start date for eligibility

Restrictions:

  • Must pay a $203 Part B deductible
  • Not available to some people under 65

Medicare Supplement Plan N: Best Value

Monthly Premium Average: $110.15

Medicare Plan N covers significantly less Medicare Part B than Plans F and G do but has a lower monthly premium. This plan is cost-effective for those that prefer a lower monthly premium with low copays rather than complete coverage.

Benefits:

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Restrictions:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits

Top Medicare Supplement Insurance companies in Arizona

Company Name Number of Covered Lives Direct Premiums Earned Market Share Percentage
UnitedHealthcare Ins Co 152,110 371,221,352 45.584
BCBS of AZ Inc 48,245 121,433,468 14.911
United Of Omaha Life Ins Co 11,363 43,375,130 5.326
Omaha Ins Co 24,611 40,853,160 5.016
American Continental Ins Co 13,874 33,400,739 4.101
Physicians Mut Ins Co 11,183 24,506,168 3.009
USAA Life Ins Co 7,619 20,339,439 2.498
Aetna Hlth & Life Ins Co 13,041 15,199,233 1.866
Humanadental Ins Co 5,390 8,942,159 1.098
Cigna Hlth & Life Ins Co 4,494 8,483,062 1.042
**TOTAL** 347,360 814,376,203 100

Medicare Supplement Insurance prices in Arizona

The price varies based on the individual’s health condition, age, gender, and tobacco usage. 

For example, based on health data, an 80-year-old non-smoking male will probably have a higher premium than a 65-year-old non-smoking female.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan G$105.98 - $236.32
Plan N$85.55 - $182.19

When Can I Apply for Medicare Supplement plan?

Unlike Original Medicare, Medicare Supplement Insurance Plans are available for individuals at any time free of penalty charges. Federal Medicare, Medicare Part D (the Medicare prescription drug plan), and Private Medicare Advantage Plans are restricted by the AEP, or Annual Enrollment Period. AEP runs from October 15 to December 7 each year, and changes you make during that time are effective January 1.

The ideal time to enroll in a Medicare Supplement Plan is in the six months after you turn 65 years old or six months after you enroll in Medicare Part B. If you or your spouse are still working, group coverage through your employer is still applicable and once it ends you may enroll in Medicare Part B without penalty fees. 

The 6-month enrollment period cannot be postponed or repeated. Medicare beneficiaries receive the best rates and plans in these six months regardless of their age or health condition. 

Though it’s great to consider a Medicare Supplement Plan at any time, attempting to gain a Medigap Policy outside of open-enrollment periods can result in no guaranteed issue rights, and your insurance provider may ask health questions that could result in the denial of your application or higher premiums.

Arizona FAQ:

When can I change Medigap plans?

Most plans allow you to change at any time but you may need to pass medical underwriting to do so. Your premiums could increase when you switch insurers if your health condition has declined since your initial enrollment.

Can I be denied Medigap coverage?

Insurance Companies will not deny you coverage if you enroll during the first six months after you turn 65. After that six-month window, insurance companies may deny you coverage, unless you qualify for a special enrollment period.

Related Topics

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

Arizona State Links

Arizona Medicare Resources

Arizona has 15 counties that include many unincorporated areas as well as villages, towns, and cities. Following are the five largest counties as of 2015, home of many of the beneficiaries of the best Medicare Supplement plans in Arizona:

  • Maricopa, 4 million
  • Pima, 1 million
  • Pinal, 406,000
  • Yavapai, 217,000
  • Yuma, 215,000

AZ has a population of nearly 6.4 million people; about 13.5 percent of residents are age 65 or older. The retirement age is 63. Nearly 34.2 percent had a Medigap plan based on 2014 data. Some beneficiaries of the Medicare program also had HMO or PPO Medicare Advantage plans — commonly known as Medicare Part C — instead of using Medicare Part A and Part B with a Supplement.

Key Take Aways
  • Medicare Supplement plans in Arizona help cover medical expenses that the federal government's Medicare plan does not cover.
  • There are 10 Medicare Supplement Plans in Arizona to choose from.
  • In Arizona, Medicare Supplement Plan G is the most popular plan for 2022.