The Best Arizona Medicare Supplement Plans (2024)

One of the factors affecting the cost of Medicare Supplement plans in Arizona is your age. The average monthly rate for a 65-year-old is $167, while a 75-year-old pays an average of $223 monthly.

Plans F and G are the most popular types because of their comprehensive coverage. The average monthly rates for these plans are $216.46 and $161.40, respectively. That said, Plan F is only available for those who were first eligible for Medicare before 2020.

The next most popular is Plan N, which offers similar coverage to Plans F and G but has additional charges. The average cost of a Plan N is $157.30 per month for a 65-year-old.

UnitedHealthcare offers the best Medigap Plan G for Arizona residents. The company also has a SELECT plan option, which lowers premiums but limits where you can receive full benefits to a given network. UnitedHealthcare’s Plan G SELECT costs an average of $119.41 per month.

MoneyGeek only ranked companies that have online quotes available. Other Medigap plan providers in Arizona that do not provide online estimates may offer more competitive rates.

On average, Arizona residents with Medigap Plan G pay $194.20 per month. But actual costs may vary depending on several factors like your provider, current age, available discounts and other medical underwriting factors.

For example, the cheapest Plan G for 65-year-olds in the state is from Physicians Mutual at $101 monthly. That is $259.90 cheaper than the most expensive rate of $360.90 at Humana.

There are 44 companies offering Plan G Medicare Supplement in Arizona. However, not all providers have online quotes. To help you find the best company, MoneyGeek gathered the contact information of all Plan G providers in the state. We also listed their pricing methods, such as which companies tend to charge more depending on your age.

Medigap plans in Arizona, including Plan G, are standardized. Companies must meet specific benefit requirements. Note that Plan G does not cover Part B deductibles. It also only covers 80% of foreign travel exchange that falls within your plan limits. Companies may offer additional features like UnitedHealthcare’s Renew Active.

If you are looking for the best Medicare Supplement Plan F in Arizona, the top option for you may be Physicians Mutual. Remember that MoneyGeek analyzed and ranked only those companies that offer online estimates. You may find better offers and rates from other companies that do not have online quotes.

The average monthly cost of a Plan F Medicare Supplement plan in Arizona is $216.50. However, actual rates may vary depending on your age when you purchased a plan, your current age, available discounts and medical underwriting factors.

For example, 75-year-olds can find a policy costing $192.10 per month at Cigna. That is the cheapest option in Arizona. The most expensive company is UnitedHealthcare, which has an average monthly rate of $313 or $120.90 more.

Forty-six companies offer Medicare Supplement Plan F in Arizona. However, some do not have accessible quotes online. You can use MoneyGeek’s list of contact information to find the provider that best fits your needs. MoneyGeek also shows the companies’ pricing methods to help you see which tend to charge more if you’re older.

Plan F, like all Medigap plans in Arizona, is standardized. Providers must include certain benefits. It’s the most comprehensive, but those new to Medicare can't buy it. However, Plan F typically only covers 80% of foreign travel. Note that in some cases, companies may choose to offer additional features, one example being Physician Mutual’s Preventive Care.

For Medicare Supplement Plan N, the best option in Arizona is UnitedHealthcare. It has an average premium of $110.41 per month.

UnitedHealthcare offers a SELECT option for Plan N. It lowers the monthly average payment rate, but you will have a more restrictive network.

Note that MoneyGeek’s ranking only considers companies that have available estimates online. You may find better rates from other companies offering Plan N in Arizona but do not provide online quotes.

The average monthly rate for Medicare Supplement Plan N in Arizona is $180.80. However, rates may vary per person depending on your current age, how old you are when you buy the plan, available discounts and other medical underwriting factors.

A 65-year-old in Arizona can get the cheapest Plan N from UnitedHealthcare at $103.50 monthly. Humana, the most expensive company, charges an average of $278.20. That is a difference of $174.70.

There are 45 providers offering Plan N in Arizona, but not all provide online estimates. MoneyGeek collected their contact details to help you in your research. You can also compare their pricing methods to see which companies tend to charge more based on age.

All Medigap policies in Arizona are standardized, including Plan N, and should cover certain benefits. Note that Plan N does not include Part B deductible or Part B excess charge. It also covers only 80% of foreign travel exchange up to the plan limits. Depending on the company, you may find additional offers like UnitedHealthcare’s NurseLine.

Other plan types are available in Arizona, including Plans A, B, C, K and L. These are less popular due to less comprehensive coverage.

Based on MoneyGeek’s evaluation of companies offering quotes online, UnitedHealthcare is the best for these plan types. Other providers with online estimates include Physicians Mutual, Humana and Cigna.

If you were newly eligible for Medicare coverage after January 1, 2020, you do not qualify for Plan C in Arizona or nationwide.

Understanding Medicare Supplement plans in Arizona can be a bit challenging. To help you find the best provider for your needs, MoneyGeek analyzed pricing information from different companies and plan types. The chart below can help you more easily compare Medigap plans in Arizona.

The level of coverage varies depending on the type of Medigap plan. For instance, Plans F and C offer the most comprehensive protection. However, they are not available to new enrollees and have been replaced by Plans G and D. Use the chart below to see how coverages and rates may differ.

Rates depend on the plan type and provider that you choose. For most letter plans in Arizona, UnitedHealthcare is the most affordable option. However, Physicians Mutual is the cheapest for Plan F.

Companies use three pricing styles. These may also have an impact on the cost of your plan.

• Issue-Age: This is the most common method used by Medigap providers in Arizona, regardless of the plan letter. It is when rates depend on your age when you first acquired the plan.
• Attained-Age: The cost of the plan is based on your current age, which means your premiums increase as you get older.
• Community-Rated: Companies using this method charge the same monthly rate to all policyholders, regardless of age.

MoneyGeek answers some of the frequently asked questions to help you better understand Medicare Supplement plans in Arizona.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Arizona for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.