Best Medicare Advantage Plans in Arizona (2026)

Key Takeaways

Arizona has 68 Medicare Advantage plans from 11 insurers, spanning HMO, HMO-POS, PPO and regional PPO options. While many plans feature $0 monthly premiums, prices can climb as high as $295 depending on the plan and coverage level.

Top Arizona Medicare Advantage providers include SCAN Health Plan for HMO, Wellpoint for HMO-POS and Humana for PPO plans.

Find the right Arizona Medicare Advantage plan by weighing provider access, prescription drug coverage and how much you’re comfortable paying in monthly and out-of-pocket costs.

Best Medicare Advantage Providers in Arizona

We analyzed the best Arizona Medicare Advantage plans to find the top providers for each plan type. We evaluated CMS star ratings, premium costs and maximum out-of-pocket expenses to find insurers offering the strongest value and comprehensive coverage.

SCAN Health Plan leads for HMO coverage with an impressive 4.5 CMS star rating and $0 monthly premium, plus the lowest maximum out-of-pocket limit at $2,250. Wellpoint offers the most competitive HMO-POS option with no monthly premium, though the $8,300 MOOP is higher. Humana's PPO plans also feature $0 monthly costs with a $7,850 out-of-pocket maximum, giving you network flexibility without premium expenses.


HMO	SCAN Health Plan	4.50	$0	$2,250	SCAN Classic (HMO)
HMO-POS	Wellpoint	3.50	$0	$8,300	Wellpoint Medicare Advantage 1 (HMO-POS)
PPO	Humana	3.50	$0	$7,850	HumanaChoice Giveback H5216-371 (PPO)

Medicare Advantage Plans Explained

Medicare Advantage plans offer extra benefits like dental, vision, and hearing coverage that aren't available through Original Medicare. Private insurance companies provide these plans as an all-in-one alternative to traditional Medicare Parts A and B.

CMS Star Ratings: These ratings measure plan quality and member satisfaction on a scale from 1 to 5 stars. Higher ratings mean better care coordination and customer service.
Monthly premiums: You'll pay your regular Part B premium plus any additional plan fees. Many Medicare Advantage plans in the Grand Canyon State charge $0 extra monthly premiums.
Maximum out-of-pocket (MOOP) limits: This cap protects you from unlimited medical expenses each year. Once you hit this limit, your plan pays 100% of covered services.
Prescription drug coverage: Most plans bundle Part D medication benefits directly into your coverage. This gives you access to necessary prescriptions at lower costs than paying out-of-pocket.

SCAN Health Plan

Best HMO

MoneyGeek Rating

4.8/ 5

5/5Affordability

5/5Quality

2.5/5Availability

CMS Star Rating
4.5
Plan Types
HMO

pros
- HMO plans earn 4.5-star CMS rating
- $0 monthly premiums on all available plans
- Low maximum out-of-pocket costs
cons
- No PPO or HMO-POS plans
SCAN Health Plan offers two HMO Medicare Advantage plans in Arizona, both earning a strong 4.5-star CMS rating. Each plan has a $0 monthly premium and low out-of-pocket costs. The SCAN Classic plan has a $2,000 MOOP, while the SCAN MyChoice plan has a slightly higher $2,500 MOOP. With an HMO network and standard enhanced Part D prescription drug coverage, SCAN is a good choice for members seeking high-quality care without extra premium expenses.

Wellpoint

Best HMO-POS

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
3.5
Plan Types
HMO-POS, HMO

pros
- All plans have $0 monthly premium
- HMO-POS plans allow members to see out-of-network providers
- Out-of-pocket limits as low as $2,700
cons
- One plan has high $8,300 MOOP limit
- Only one HMO plan
- No PPO options
Wellpoint’s three HMO-POS Medicare Advantage plans all include enhanced Part D prescription drug coverage, carry $0 monthly premiums, and earn 3.5-star CMS ratings. The Wellpoint Medicare Advantage 1 plan has a $2,700 annual maximum out-of-pocket limit, making it a strong option for members seeking lower yearly health care costs. The standard Wellpoint Medicare Advantage plan caps out-of-pocket spending at $3,000, while the Wellpoint Medicare Advantage 2 plan has a high $8,300 limit. All three plans offer out-of-network access, budget-friendly premiums and comprehensive drug coverage.

Wellpoint offers a standalone HMO plan, with a $0 monthly premium and a $3,400 maximum out-of-pocket limit. While this plan has a lower 3-star CMS rating, it offers predictable costs and access to in-network care.

Humana

Best PPO

MoneyGeek Rating

5/ 5

5/5Affordability

5/5Quality

5/5Availability

CMS Star Rating
3.5
Plan Types
Regional PPO, PPO, HMO

pros
- HMO and PPO plans available with many options for each
- 13 out of 16 plans have $0 premium
- PPO flexibility to see specialists without referrals
cons
- Higher maximum out-of-pocket limits
- Higher costs for out-of-network care
Humana is the best Medicare Advantage provider for PPO plans, with seven PPO options and nine HMO plans. For PPO coverage, HumanaChoice Giveback H7617-051 plan earns a 4.5 CMS star rating with $0 monthly premium and a $6,100 maximum out-of-pocket limit. Most Humana PPO plans come at no monthly cost, with out-of-pocket maximums ranging from $4,150 to $7,850.

Humana's HMO plans offer lower out-of-pocket costs for members who are okay with network restrictions. The Humana Gold Plus H4461-059 has a 4.0 star rating, $0 premium and just $2,550 maximum out-of-pocket spending. All Humana plans include enhanced Part D drug coverage, and many offer drug tiers with no deductible.

Best Arizona HMO Medicare Advantage Providers

Most Arizona HMO plans charge $0 monthly premiums across 10 providers. Out-of-pocket maximums range from $2,000 to $8,896, averaging $4,269 annually. The state's 35 HMO Medicare Advantage options average 3.57 CMS star-ratings, with eight plans earning 4-star ratings or higher.

SCAN Health Plan has the best HMO plans in Arizona with a 4.5-star rating across two plans, both charging $0 monthly with the lowest $2,250 average out-of-pocket limits.
Blue Cross Blue Shield boasts a 4.5 CMS rating and has two HMO plans with an average $18 monthly premium and slightly higher $2,680 maximum costs.
Alignment Health Plan offers two plans at $0 monthly with a lower 4.0-star rating and $3,900 average out-of-pocket limits.


SCAN Health Plan	4.50	$0	$2,250	2	4.75
Blue Cross Blue Shield	4.50	$18	$2,680	2	4.40
Alignment Health Plan	4.00	$0	$3,900	2	4.39
Cigna HealthCare	3.50	$0	$3,700	4	4.32
Banner Health	3.50	$0	$2,995	1	4.29
Humana	3.50	$0	$4,987	8	4.25
Wellpoint	3.00	$0	$3,400	1	4.16
Aetna	3.00	$0	$5,382	5	4.09
Wellcare	3.50	$0	$7,034	3	3.95
Devoted Health	3.50	$0	$5,897	7	3.90

HMO PROS AND CONS

HMO Medicare Advantage plans require you to stay within their provider network and get referrals from your primary care doctor before seeing specialists. In exchange for these restrictions, you'll pay lower premiums and have more predictable out-of-pocket costs. These plans suit Arizona residents who prefer coordinated care and don't regularly need out-of-network providers.

Best Arizona HMO-POS Medicare Advantage Providers

HMO-POS Medicare Advantage plans in Arizona offers valuable out-of-network access if you occasionally need care outside of your primary network. The state has 12 plans from two providers, with nine offering $0 monthly premiums.

Where a premium is charged, rates are still affordable, averaging just $10 per month. Maximum out-of-pocket limits range from $2,700 to $8,300, averaging $4,275 annually, providing protection for members who use out-of-network services. All plans include Part D prescription coverage and enhanced benefits, with an average 4-star CMS rating.

Wellpoint ranks first among Arizona's HMO-POS providers with three plans charging $0 premiums, averaging $8,300 MOOP and rated 3.5 stars by CMS.
UnitedHealthcare provides nine HMO-POS plans average $14 monthly with a strong 4.29-star average CMS rating and $4,506 out-of-pocket caps.


Wellpoint	3.50	$0	$8,300	3	5.00
UnitedHealthcare	4.29	$14	$4,506	9	4.00

HMO-POS PROS AND CONS

HMO-POS plans suit people who want coordinated, affordable care but occasionally need flexibility to visit doctors outside their network. These hybrid plans let you keep most cost benefits of standard HMO coverage while accessing out-of-network providers when necessary, though you'll pay additional expenses for that flexibility. They're ideal if you prefer having a primary care physician coordinate your care but need occasional access to specialists or providers outside your network when traveling or facing unique medical situations.

Best Arizona PPO Medicare Advantage Providers

PPO plans in Arizona provide the freedom to see out-of-network doctors, but that flexibility comes with higher out-of-pocket costs. The state has 20 PPO Medicare Advantage plans from five providers, with average maximum out-of-pocket limits of $5,874, ranging from $3,000 to $8,300.

Premiums remain largely affordable, with 14 plans charging $0 per month and an overall average of $26. Star ratings average 3.7 across all options, with six plans receiving the common 3.5-star rating. While PPOs generally score lower on customer satisfaction than more restrictive plans, they offer valuable network flexibility. All plans include enhanced Part D prescription coverage and waive deductibles on select drug tiers.

Humana leads Arizona’s PPO market with seven plans at $0 monthly premiums, though out-of-pocket limits are high, averaging $7,850, with 3.5-star ratings.
Aetna offers three plans at $5 per month, earning strong 4.5-star CMS ratings and averaging $5,750 in maximum out-of-pocket costs.
Cigna HealthCare provides a single plan with a $0 premium and the state’s most affordable $4,900 out-of-pocket limit, rated 3.0 stars.


Humana	3.50	$0	$7,850	7	5.00
Aetna	4.50	$5	$5,750	3	4.67
Cigna HealthCare	3.00	$0	$4,900	1	4.34
UnitedHealthcare	4.00	$109	$5,221	5	4.19
Devoted Health	3.00	$0	$6,888	4	3.75

PPO PROS AND CONS

If you're someone who travels often, wants to keep your current doctors, or prefers seeing specialists without getting permission first, PPO Medicare Advantage plans might be worth the extra cost. These plans let you visit any Medicare-approved provider without referrals and giving you access to both in-network and out-of-network care. You'll pay higher monthly premiums and out-of-pocket maximums than you would with HMO plans, but this trade-off gives you complete freedom to manage your health care on your terms.

How to Find the Best Arizona Medicare Advantage Plans

Consider which doctors and hospitals you need, your prescription medications and your total health care budget to find the right option for you.

1
Check Your Doctor and Hospital Network
Before selecting a Medicare Advantage plan, confirm your current doctors, specialists and hospitals participate in the plan's network. HMO plans restrict you to in-network providers except for emergencies, while PPO plans allow out-of-network access at higher costs. Learn more about health insurance network types to understand these differences.
2
Compare Maximum Out-of-Pocket Costs
Consider the maximum out-of-pocket costs, which represent the most you'll pay for covered services annually. A $0 premium plan with $7,833 maximum out-of-pocket costs might exceed a $29 premium plan capped at $6,750 if you need regular medical care.
3
Review Prescription Drug Coverage
Check that your medications appear on the plan's drug formulary and understand their tier placement, which affects your costs. Most Medicare Advantage plans include Part D drug coverage, though some require separate enrollment.
4
Evaluate Additional Benefits
Medicare Advantage plans offer extras beyond basic Medicare coverage, including dental care, vision services, hearing aids, fitness memberships and transportation to medical appointments. Compare which supplemental services each plan provides.
5
Consider CMS Star Ratings
Review each plan's CMS star rating, which measures quality and performance on a scale of 1 to 5 stars. Higher-rated plans offer better customer service, care coordination and health outcomes. Plans earning 4 or 5 stars show superior performance across various quality measures.

Average Arizona Medicare Advantage Cost

Arizona Medicare Advantage costs depend on plan type and network restrictions. Plans with limited networks keep monthly premiums and out-of-pocket costs lower than those offering broader provider access.

HMO plans offers the state's most affordable option at $0 median premium and $4,270 average maximum out-of-pocket costs. HMO-POS plans add minimal cost at $11 average monthly premium with $4,275 MOOP for some out-of-network access. PPO plans average $26 monthly with $5,875 MOOP for greater provider flexibility. Regional PPO plans cost the most at $37 monthly premium and $6,800 MOOP but offer the broadest network access across multiple states.


HMO	$0	$1	$4,270
HMO-POS	$0	$11	$4,275
PPO	$0	$26	$5,875
Regional PPO	$37	$37	$6,800

Best Arizona Medicare Advantage: FAQ

Get answers about Arizona Medicare Advantage plans:

When can I enroll in a Medicare Advantage plan in Arizona?

Arizona residents can enroll during the Annual Enrollment Period (Oct. 15 to Dec. 7) or the Medicare Advantage Open Enrollment Period (Jan. 1 to March 31). You may also qualify for a Special Enrollment Period if you experience qualifying life events like relocating or losing other health coverage.

Does Medicare Advantage cover prescription drugs in Arizona?

Yes, most Medicare Advantage plans in Arizona include prescription drug coverage. Before enrolling, confirm your medications appear on the plan's formulary and review their tier placement, which directly impacts your out-of-pocket costs at the pharmacy.

Do I need to change Medicare Advantage plans if I move to a different county in Arizona?

Moving within Arizona may require switching plans since Medicare Advantage networks differ by county. Notify your current insurer within 30 days of relocating to explore your options. You'll qualify for a Special Enrollment Period to select coverage that serves your new area.

Our Methodology: How We Chose the Best Arizona Medicare Advantage Plans

We ranked Medicare Advantage plans in Arizona using these weighted criteria:

Affordability (50%): Costs represent half the total score due to their immediate effect on your spending. We analyzed combined monthly premiums for Part C and Part D coverage (weighted at 30%) and in-network maximum out-of-pocket limits (weighted at 20%). Plans with lower premiums and MOOP thresholds score higher by reducing annual health care expenses.
Star Ratings (40%): CMS star ratings evaluate plan performance in care quality, customer service and member experience. The Overall Star Rating integrates Part C (medical benefits) and Part D (prescription drug coverage) scores into one rating on a 1 to 5-star scale.
Availability (10%): We consider each insurer's coverage area across the United States. Providers serving more states score higher, as broader availability indicates more robust infrastructure, better support and better continuity if you relocate.

These factors create a fair comparison of Medicare Advantage plans, weighing costs against care quality and service.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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