Physicians Mutual has the best Medicare supplement plans in Arizona, with rates 49% below average for the most popular plan in the nation (Plan G). However, you should also look into UnitedHealthcare and Cigna for affordable plans since pricing differs widely by policy letter.
Best Medicare Supplement Plans in Arizona
Updated: May 20, 2025
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Key Takeaways
Physicians Mutual offers the best and cheapest Medicare supplement plans for the most popular policy in the state, Plan G, at $101 per month.
Medicare supplement plans in Arizona can cost, on average, between $100 and $275 per month, depending on your policy selection.
To find the plan you need, check plan availability, restrictions and benefits and compare quotes from multiple companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in Arizona?
| Physicians Mutual | $101 | $1,212 |
| UnitedHealthcare | $128 | $1,535 |
| Cigna | $210 | $2,520 |
| Humana | $361 | $4,331 |
*Pricing shown is for Medicare supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Arizona
We've highlighted the top companies for popular plans, but your needs might differ. Use our filterable table to find the best and most affordable option for you.
Data filtered by:Results filtered by:
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Plan Letter:A
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Age:65
| Cigna | $225 | $2,701 |
| Humana | $262 | $3,142 |
| Physicians Mutual | $205 | $2,460 |
| UnitedHealthcare | $104 | $1,248 |
Arizona Medicare Supplement Plan Cost
The typical Medicare supplement plan, Plan G, costs around $200 monthly or $2,399 per year on average in Arizona. However, your rates can vary widely being anywhere from $100 to $275 monthly depending on the provider and plan you select.
| A | $199 | $229 |
| B | $218 | $279 |
| C | $275 | $334 |
| F | $190 | $231 |
| G | $200 | $253 |
| K | $100 | $118 |
| L | $156 | $192 |
| N | $175 | $210 |
Arizona Medicare Supplement Coverage Guide
With many plan options and considerations, deciding what Medicare supplement policy is best and which company to choose can be hard. We've created a guide detailing what coverage is available, how to select the plan you need and how to find the best cheap company.
Arizona Medicare Supplement Plan Comparison Chart
All Medicare supplement plans, regardless of your state, have standardized coverage. Below, we've summarized what each plan letter for Medicare supplement, or Medigap, covers.
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
|---|---|---|
A |
| Blood (first 3 pints) |
B |
|
|
C |
|
|
D |
|
|
F |
|
|
G |
|
|
K |
|
|
L |
|
|
M |
|
|
N |
|
|
How to Decide Which Medicare Supplement Plan You Need
Choosing the right Medicare supplement plan depends on several factors. Your eligibility, financial situation, age, health and lifestyle all play a part. Here's a quick guide to consider these elements effectively.
Eligibility
New enrollees can access all plans except C and F. Those eligible for Medicare before 2020 can choose from all 10 plans.
Age, condition and lifestyle
Assessing your coverage needs based on age, existing conditions and lifestyle helps determine the right coverage. Consider how often you'll use different coverage options and consult with a medical professional and a Medigap/Medicare supplement specialist to guide your decision.
Financial status
Your ability to afford coverage is important, regardless of risk factors and coverage needs. Seek plans that align with your risk profile and stay within your budget.
How to Find the Best Arizona Medicare Supplement Company
Once you've decided on a plan, it's time to compare companies. Below are key things to look for in a Medicare supplement provider in Arizona.
- 1
Customer satisfaction and complaints
The Medicare supplement industry can vary in terms of customer service quality. Checking customer satisfaction ratings from resources like J.D. Power and the NAIC can help residents identify companies with better service in their state. J.D. Power can guide you on customer satisfaction, while NAIC offers data on complaints.
- 2
Plan pricing
When looking for affordable Medicare supplement insurance, compare rates and services. Review quotes from multiple companies side by side. This way, you can find the plan that balances low cost with quality customer service.
- 3
Added benefits
Some insurance providers offer extra incentives and discounts, from company partnerships to wellness programs or other services. These added benefits can increase the value of a policy without raising costs.
Best Medigap Plans in Arizona: Bottom Line
Physicians Mutual, UnitedHealthcare and Cigna offer Arizona's best Medicare supplement insurance. However, to find the right plan for you, research companies and compare their reputations, benefits and pricing.
Medicare Supplement Plans in Arizona: FAQ
Below we've provided our team's expert answers to frequently asked questions about Medicare supplement insurance in Arizona.
What is the best Medicare supplement provider in Arizona?
Physicians Mutual is the best health insurance provider for Arizona's most popular Medigap plan. Its pricing is 49% lower than the state average, making it the most affordable company.
What is the cost of Medicare supplement plans in Arizona?
Depending on your plan selection, Medicare supplement plan pricing in Arizona ranges from $1,201 to $4,012 per year. For the most popular plan, Plan G, average annual costs range from $2,399 to $3,032.
How We Decided the Best Medicare Supplement Companies in Arizona
MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Arizona for 65-year-olds and 75-year-olds. We rated plans as one of the best, but only if they could get an accurate quote from the provider online. To determine the best and most affordable provider, our analysis focused on Medicare Supplement Plan G, the most popular plan nationwide.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.