How to Find the Best Arizona Medicare Advantage Plans

MoneyGeek analyzed Arizona's best Medicare Advantage plans based on broad benefits and widespread availability. We found that the best HMO and PPO plans are the Cigna Alliance Medicare plan and the Aetna Medicare Freedom plan, respectively. If you're looking for a plan, it's best to choose one that offers benefits and coverages that fit your needs.

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Last Updated: 9/23/2022
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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.

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Best Medicare Advantage Plans in Arizona

Best Medicare Advantage Plan in Arizona - Overall

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.

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Aetna Medicare

While the Aetna Medicare Freedom Plan is the best option for those looking for a PPO in Arizona, the right plan for you may be different depending on your needs.

Here are the details of the Aetna Medicare Freedom Plan:

  • No monthly premium
  • Includes drug coverage
  • In-network max out-of-pocket limit of $5,500
  • Overall CMS star rating of 4.5 out of 5

With this plan, you get all six commonly offered benefits like vision, dental, hearing, fitness, worldwide emergency and telehealth. It also has a high CMS star rating and offers Part D drug coverage.

Since the Aetna Medicare Freedom Plan offers worldwide emergency benefits, it’s a good option for travelers.

Best HMO Medicare Advantage Plan in Arizona

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.

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Cigna Medicare

While MoneyGeek found Cigna Alliance Medicare to be the best plan for someone looking for an HMO, the ideal plan for you may vary depending on your needs.

With this plan, you can expect:

  • No monthly premium
  • Drug coverage
  • An in-network max out-of-pocket limit of $2,500
  • Overall CMS star rating of 4.5 out of 5

The Cigna Alliance Medicare plan offers Part D drug coverage and has a high CMS star rating. It also includes all common benefits like vision, dental, hearing, fitness, worldwide emergency and telehealth.

Best Medicare Advantage Plan in Arizona Without Drug Coverage

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.

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Cigna Medicare

Whether you need drug coverage or not, MoneyGeek found that Cigna Alliance Medicare is the best plan available. This plan includes Part D prescription drug coverage.

Here are the details of this plan:

  • No monthly premium
  • Includes drug coverage
  • In-network max out-of-pocket limit of $2,500
  • Overall CMS star rating of 4.5 out of 5

The Cigna Alliance Medicare offers all the common core benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth. This plan also scored high on the rating system of the CMS.

Best Medicare Advantage Plan in Arizona for Low Max Out-of-Pocket Costs

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.

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Humana

MoneyGeek’s research shows that the HumanaChoice H5216-265 plan is the best option if you’re looking for a plan with or without drug coverage. We found this by excluding health plans with high max out-of-pocket costs.

Here are the details of the HumanaChoice H5216-265 plan:

  • No monthly premium
  • Max out-of-pocket limit of $4,700
  • Overall CMS star rating of 4 out of 5

If you have a health plan with a low out-of-pocket maximum, you’ll be protected from excessive payments in case of high medical costs. After you reach the maximum out-of-pocket limit of $4,700, you won’t have to pay any more amount for in-network coverage. However, since it’s a PPO plan, you’ll have a different out-of-pocket maximum for out-of-network coverage. For this plan, it’s $11,300.

Medicare Advantage Plan in Arizona - Statistics

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.

1

Arizona Medicare Advantage Plans are a mix of HMO, PPO and MSA, with 75.7% offering drug coverage

In Arizona, about 36.9% of available health plans are Health Maintenance Organization plans, while 54.6% of the plans are Preferred Provider Organization plans and 8.5% of the plans are Medical Savings Account plans. Of all the available plans, 75.7% offer Part D drug coverage.

2

71% of Medicare Advantage Plans in Arizona have a $0 premium

MoneyGeek found that about 71% of all the available plans in Arizona offer a $0 premium. On average, it costs $47.20 to buy plans that do not offer a $0 premium.

3

Vision, hearing and telehealth benefits are common in Arizona, with most plans offering them

The most commonly offered benefits in Arizona are vision, hearing and telehealth. On the other hand, in-home support, home safety devices as well as modifications and emergency response device benefits are rarely offered.

Methodology

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.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.