Best Arizona Medicare Advantage Plans

MoneyGeek used the five-star quality rating system from the Centers for Medicare & Medicaid Services (CMS) to determine the most widely available plans in Arizona. We also found the best plan based on plan type, whether you need drug coverage and if you want to limit out-of-pocket costs.

However, these recommendations are based on a general profile. Before choosing a plan, it’s best to shop around so you can choose the one that fits your needs and includes the hospitals and providers you want in its network.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Arizona.

In Arizona, the best health plan for you will depend on your individual needs. MoneyGeek found that, for someone looking for a PPO plan with drug coverage, six core benefits and a high star rating from the CMS, the Aetna Medicare Freedom plan offered by Aetna is the best option.

With a PPO plan, you generally have to pay a higher amount in premiums. Fortunately, you’ll have more flexibility as it allows you to pick a provider or a hospital of your choice. This plan also allows you to see a specialist without a referral.

MoneyGeek’s research shows that, for someone looking for an HMO plan with drug coverage, six core benefits and a high star rating from the CMS, the Cigna Alliance Medicare plan offered by Cigna is the best option. However, the right plan for you could be different depending on your needs.

An HMO plan is the cheapest compared to all other available plans. Unfortunately, it restricts you to in-network providers if you want treatment. You’ll also need a referral if you want to see a specialist.

If you’re not looking for health plans in Arizona that include drug coverage, many options are available. MoneyGeek’s research shows that, for someone looking for a Medicare Advantage plan with or without drug coverage, six core benefits and a high star rating from the CMS, the Cigna Alliance Medicare plan offered by Cigna is the best option. Even if you don’t need drug coverage, this is the best HMO plan available.

You can always opt for a Medicare Advantage plan that has low or no premium. However, you could have to pay a higher amount in out-of-pocket costs as a result. MoneyGeek found that the HumanaChoice H5216-265 plan offered by Humana is the best option for someone looking for a Medicare Advantage plan with no or a low in-network max out-of-pocket (MOOP), drug coverage, six core benefits and a high star rating from the CMS.

MoneyGeek researched the best Medicare Advantage plans in Arizona and found out that 19 companies offer these types of plans in the state. We compiled the following statistics to help you understand the rare and common plan components.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Arizona were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Arizona based on county availability.