Medicare Plans in Arizona
Compare Options for 2026
As an independent Arizona Medicare advisor, I compare plans from Aetna, Humana, UHC, Banner Health, Cigna, and 15+ more carriers — so you get the right coverage for your doctors, prescriptions, and budget.
Medicare in Arizona: What You Need to Know
Arizona is one of the most competitive Medicare markets in the country. The Phoenix metro area alone offers dozens of Medicare Advantage plans — many with $0 premiums, dental, vision, and fitness benefits. With so many options, having an independent advisor compare plans side-by-side is more valuable than ever.
Arizona residents approaching 65 (or already on Medicare) have three main coverage paths: Medicare Advantage (Part C), Medicare Supplement (Medigap), and standalone Part D drug plans. Each has advantages depending on your health, your doctors, and how often you travel outside Arizona.
🌵 Arizona Advantage: Arizona consistently has some of the highest concentrations of $0-premium Medicare Advantage plans in the nation — especially in Maricopa and Pima counties. But the lowest premium isn't always the best value. I help you look beyond the premium to find the plan that truly fits your life.
Medicare Plan Options in Arizona
Medicare Advantage (Part C)
All-in-one plans that replace Original Medicare. Many AZ plans offer $0 premiums with dental, vision, hearing, and OTC benefits included.
- ✓ Often $0 monthly premium
- ✓ Dental, vision & hearing
- ✓ Fitness benefits
- ⚠ Network-based (HMO/PPO)
Medicare Supplement (Medigap)
Covers the gaps in Original Medicare — deductibles, copays, and coinsurance. Use any doctor nationwide who accepts Medicare.
- ✓ No network restrictions
- ✓ Predictable out-of-pocket costs
- ✓ Great for snowbirds & travelers
- ⚠ Separate Part D plan needed
Part D Drug Plans
Standalone prescription drug coverage added to Original Medicare or Medigap. Dozens of Part D plans available in Arizona with different formularies.
- ✓ Covers brand & generic drugs
- ✓ Formulary varies by plan
- ✓ Annual enrollment window
- ⚠ Compare formularies carefully
Serving Medicare Clients Across Arizona
Important Arizona Medicare Enrollment Dates
Initial Enrollment Period (IEP)
7-month window around your 65th birthday: 3 months before, the month of, and 3 months after.
Annual Enrollment Period (AEP)
October 15 – December 7 each year. Switch, join, or drop Medicare Advantage and Part D plans.
Medicare Advantage OEP
January 1 – March 31. If enrolled in MA, you can switch to another MA plan or return to Original Medicare.
ALTCS (Arizona Long-Term Care)
Arizona's Medicaid long-term care program. If you have limited income/assets, you may qualify for additional help with Medicare costs.
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