Best Medicare Supplement Plans in Arizona (2026)

WMI Mutual provides the best Medicare Supplement plans in Arizona, offering the cheapest rates for Plans A, F, G and N for comprehensive coverage.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: June 8, 2026

Advertising & Editorial Disclosure

Key Takeaways

Plans A, F, G and N from WMI Mutual offer the most affordable Medigap rates among Arizona's popular policies, with monthly savings from $110 to $151 compared to state averages.

New Era, Humana, State Farm and Transamerica provide the lowest rates for Plans B, C, D, K, L and M across the state.

At age 65, Arizona residents pay $44 to $641 monthly for Medicare Supplement coverage based on which plan type they choose.

Best Cheap Medicare Supplement Companies in Arizona

WMI Mutual has the lowest rates on four of the most commonly chosen Medigap plans in Arizona, based on our review of all 10 standardized plan types for 65-year-olds. Plan N is $108 per month. Plan A costs $112 per month. Plan G is $161 per month. Plan F costs $170 per month.

Humana has Arizona's lowest Plan B rate at $218 per month. New Era is cheapest for Plans C and M. State Farm leads on Plan D and Transamerica leads on Plans K and L. Arizona seniors who choose these carriers save $21 to $173 per month compared to state plan averages. For long-term cost comparisons, the carrier's pricing method matters as much as its current premium.


WMI Mutual	A	$112	$123	Issue Age Pricing
Humana	B	$218	$105	Issue Age Pricing
New Era	C	$188	$173	Issue Age Pricing
State Farm	D	$189	$85	Issue Age Pricing
WMI Mutual	F	$170	$151	Issue Age Pricing
WMI Mutual	G	$161	$112	Issue Age Pricing
Transamerica	K	$93	$21	Issue Age Pricing
Transamerica	L	$138	$69	Issue Age Pricing
New Era	M	$118	$26	Issue Age Pricing
WMI Mutual	N	$108	$110	Issue Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

WMI Mutual

MoneyGeek Rating

4.1/ 5

5/5Affordability

3.5/5Pricing Style

2.6/5Plan Availability

Average Plan G Rate
$161
Plan Types
A, F, G, N

pros
- Cheapest for four common plan types A, F, G and N in Arizona
- Competitive Plan N pricing ($108 per month)
- Coverage focused on Medigap options
cons
- No Plans B, C, D, K, L or M
- No cost-sharing plan options
- Uses attained-age pricing
WMI Mutual offers the lowest Medigap rates in Arizona across four plans. Plan N costs $108 per month, Plan A is $112 per month, Plan G averages $161 per month and Plan F is $170 per month. Plan G runs $112 below the Arizona state average; Plan F runs $151 below. WMI Mutual's overall premium averages $28 less than State Farm's Plan G rate. These savings apply at enrollment. WMI Mutual uses attained-age pricing, so premiums increase annually.

WMI Mutual is the right fit for Arizona residents who want the lowest available entry cost and need coverage from Plan A, F, G or N only. Seniors who need Plans B, C, D, K, L or M will need to choose a different carrier.
MedMutual Protect uses community rating, so premiums don't increase based on age alone. That structure is more stable long-term than WMI Mutual's attained-age pricing, where premiums increase annually and the gap against community-rated alternatives widens by the mid-70s. Seniors who need Plans K or L, the two cost-sharing plans with out-of-pocket caps, will need to choose a different carrier.

Humana

MoneyGeek Rating

4.0/ 5

4.2/5Affordability

4.1/5Pricing Style

3.5/5Plan Availability

Average Plan G Rate
$252
Plan Types
A, B, C, F, G, K, L, N

pros
- Lowest Plan B rates in Arizona at $218 per month
- Broad selection of Medicare Supplement plans
- Strong financial backing with solid ratings
cons
- Attained-age pricing leads to higher premiums over time
- No standard Plan G option
- No high-deductible Plan G available
Humana has the lowest Plan B rate in Arizona at $218 per month. No competing insurer prices Plan B lower. It sells eight Medigap plan types in the state: A, B, C, F, G, K, L and N. Monthly premiums for new 65-year-old enrollees range from $51 to $413 across its eight plan types.

Plan B covers the Part A deductible and coinsurance but not the Part B deductible, a mid-level coverage option that suits seniors who want more gap protection without paying for Plan F or G. Humana includes wellness programs focused on preventive care across its Medigap product line.
Seniors who want Plan G, the most popular Medigap plan in Arizona, will pay $252 per month through Humana, which is $91 more than WMI Mutual's $161 rate for the same benefits. The attained-age pricing structure also means premiums climb with each birthday. If Plan G is your target plan and you're enrolling at 65, WMI Mutual or MedMutual Protect provide better long-run value. Humana also doesn't sell high-deductible Plan G, so budget-focused enrollees looking for that option need another carrier.

New Era

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.1/5Pricing Style

3.5/5Plan Availability

Average Plan G Rate
$190
Plan Types
A, C, F, G, M, N

pros
- Cheapest Plan C rates in Arizona at $188 per month
- Most affordable Plan M rates in Arizona ($118 per month)
- Six Medicare Supplement plans
cons
- Uses attained-age pricing
- No Plans K or L, and no high-deductible Plan G
New Era offers the lowest Arizona rates for Plan C at $188 per month and Plan M at $118 per month, two plan types that few other insurers price competitively. Plan C is unavailable to Medicare enrollees who became eligible after January 2020, so this rate applies only to those with grandfathered eligibility.

New Era also sells Plans A, F, G and N. Its Plan G average of $190 per month runs $29 more than WMI Mutual for the same coverage.
New Era doesn't sell Plans K or L, so seniors who want cost-sharing coverage with annual out-of-pocket caps will need to choose a different carrier. Attained-age pricing also limits long-term value for enrollees who plan to stay with one insurer through their 70s and 80s. Transamerica charges $93 per month for Plan K and $138 per month for Plan L, the lowest rates in Arizona for both.

State Farm

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Plan Availability

Average Plan G Rate
$189
Plan Types
A, C, D, F, G, N

pros
- Lowest Plan D rates
- Plan D
- Six Medicare Supplement plans
- Strong financial backing
cons
- No cost-sharing plans K or L, and no Plan M
- Uses attained-age pricing
State Farm has the lowest Plan D rate in Arizona at $189 per month, which is $85 below the state average for that plan type. Plan D covers the Part A deductible, coinsurance and copayments. It does not cover Part B excess charges or the Part B deductible.

Monthly premiums across State Farm's six available plans range from $146 to $348 based on plan selection and enrollment age. State Farm has a large network of local agents who provide in-person support for Medicare coverage.
State Farm's local-agent model works well if you want in-person help, but it creates friction for seniors who prefer managing coverage by phone or online without scheduling a meeting. State Farm also doesn't sell Plans K, L or M, so it's not an option for enrollees who want cost-sharing plan types. And for Plan G, WMI Mutual's $161 rate is $28 per month less than State Farm's $189.

Transamerica

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$204
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- All 10 standardized Medicare Supplement plans
- Lowest rates for Plans K and L
- Plan K averages $93 per month, and plan L averages $138 per month
cons
- Attained-age pricing, so premiums increase over time
- No high-deductible Plan G
Transamerica is the only insurer in Arizona that sells all 10 standardized Medigap plan types: A, B, C, D, F, G, K, L, M and N. Plan K costs $93 monthly and Plan L is $138, the lowest rates in Arizona for both cost-sharing plans. Arizona seniors save $21 per month with Plan K and $69 per month with Plan L versus state averages. Transamerica holds an AM Best rating of A (Excellent) for financial strength. For a 65-year-old who is healthy and willing to absorb some cost-sharing in exchange for a low monthly payment, Plan K deserves serious consideration before defaulting to Plan G.
Transamerica doesn't sell high-deductible Plan G, which suits some budget-conscious enrollees better than Plan K's cost-sharing structure. Its attained-age pricing also means that while the $93 Plan K entry rate is attractive at 65, that figure will increase every year. Seniors who plan to stay enrolled with the same carrier long-term should compare Transamerica's rate trajectory against community-rated alternatives before committing.

Find Arizona Medicare Supplement Plans That Fit Your Needs

The table below compares all Arizona Medicare Supplement companies. The right choice depends on your plan type, budget and health priorities, not just overall ranking.

Data filtered by:


WMI Mutual	G	No	65	$161	$0	No Data
MedMutual Protect	G	No	65	$162	$0	No Data
USAA	G	No	65	$168	$0	No Data
Atlantic Capital	G	No	65	$169	$0	No Data
LifeShield National	G	No	65	$175	$0	No Data
Wellcare	G	No	65	$177	$0	No Data
WoodmenLife	G	No	65	$188	$0	No Data
State Farm	G	No	65	$189	$0	No Data
New Era	G	No	65	$190	$0	No Data
Bankers Life	G	No	65	$191	$0	No Data

Arizona Medicare Supplement Plan Cost

Arizona's 65-year-olds pay $114 to $361 monthly for Medicare Supplement insurance, a $247 gap driven by plan selection. Plan G costs $273 per month on average and draws the most enrollees statewide. It covers nearly every Medicare gap after you clear the Part B deductible, Plan K averages $114 per month, the lowest of any plan type. Plan C is $361 per month, more than three times that figure and is closed to new enrollees who joined Medicare after January 2020. Plan N averages $218 a month. Plan M averages $144 monthly, Plan L averages $207 and Plan A averages $235.


A	$235	$2,820
B	$323	$3,876
C	$361	$4,332
D	$274	$3,288
F	$321	$3,852
G	$273	$3,276
K	$114	$1,368
L	$207	$2,484
M	$144	$1,728
N	$218	$2,616

How to Choose the Best Arizona Medicare Supplement Plan

Arizona's Medigap market works differently from most insurance decisions: the benefits are identical across carriers for the same plan letter, set by federal law. Plan G from WMI Mutual covers the same gaps as Plan G from Humana.

WMI Mutual's Plan G costs $161 per month, $112 below the Arizona state average of $273. A senior who enrolls at 65, stays on Plan G for 10 years and pays the state average rather than WMI Mutual's rate spends $13,440 more than necessary. Shopping rates before enrolling, not after, is the only way to avoid that gap.

Most Comprehensive Coverage
Plan G: Comparable to Plan F, covers everything except the Part B deductible.

Plan F: Covers all gaps, including Part B deductible and excess charges (not available for new enrollees as of 2020).
Best Value Options
Plan D: Strong coverage without Part B deductible or excess charges.

Plan N: Extensive benefits with minor copays and lower premiums.
Budget-Friendly Choices
Plan L: Similar to Plan K with 75% cost-sharing and a lower out-of-pocket limit of $4,000.

Plan M: Covers 50% of Part A deductible with moderate premiums.

Plan K: Most affordable premiums with 50% cost-sharing and an out-of-pocket limit of $8,000.
Premium Coverage
Plan C: Provides Part B deductible and foreign travel emergency coverage (closed to new members as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Arizona Medicare Supplement Company

Arizona's 10 standardized Medigap plans have identical coverage regardless of which insurer sells them. So your decision comes down to three factors when finding the best company: who charges less, who treats customers better and what extras they throw in.

1
Customer satisfaction and complaints
Review customer feedback from J.D. Power and the NAIC to identify insurers with strong service records. Both sources track performance ratings and complaint data across Arizona, including Phoenix and Tucson markets.
2
Plan pricing
Identical plans carry different premiums depending on the insurer, and the gaps can be significant. Compare quotes from at least three carriers to secure a lower rate without reducing your coverage.
3
Added benefits
Some insurers offer gym membership discounts or wellness programs that offset part of the premium cost. Availability varies by plan and insurer; confirm what each carrier includes before enrolling.

Arizona Medicare Resources

Arizona has several organizations that provide Medicare counseling and consumer protection:

State Health Insurance Assistance Program (SHIP): Call (800) 432-4040 to schedule a free appointment with a certified Medicare counselor. SHIP operates through Arizona's Department of Economic Security, is federally funded and has no affiliation with insurance companies. Counselors compare plans based on your prescription drugs and preferred doctors, explain Medicare Savings Programs for low-income beneficiaries and walk you through Part D enrollment.
Arizona Department of Insurance and Financial Institutions: This department regulates insurance companies operating in Arizona and investigates complaints about billing errors, claim denials and policy cancellations. File complaints online or call (602) 364-2499 weekdays between 9 a.m. and 4 p.m. Arizona residents outside Phoenix can call (800) 325-2548.
Arizona Area Agencies on Aging: Seven regional agencies cover all 15 Arizona counties and serve older adults age 60 and up, adults with disabilities and family caregivers. Services include meal programs, transportation, legal assistance and long-term care ombudsman support. Contact your local agency through the DES website.
Medicare.gov: Search Medicare Supplement plans by ZIP code and compare monthly premiums, coverage details and insurer ratings using the official plan finder tool.

Medicare Supplement Plans in Arizona: FAQ

Find answers to common questions about Medicare Supplement insurance for Arizona residents.

What does Medigap cover in Arizona?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments and the first three pints of blood. Select plans also cover Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies.

Are Medicare Supplement plans worth it?

Medicare Supplement plans work best for seniors who want predictable costs and the freedom to see any doctor nationwide without network restrictions. Seniors with chronic conditions or frequent medical visits get the most value, since Medigap covers the deductibles and coinsurance that Original Medicare leaves unpaid. Seniors with solid savings who rarely use medical care may do better with Original Medicare alone.

When can I enroll in Medigap plans in Arizona?

Arizona residents can enroll in Medigap plans at any time, but the strongest enrollment window opens when you turn 65 and sign up for Medicare Part B. During this six-month window, insurers must accept your application regardless of health conditions and can't charge more for pre-existing conditions. Outside this window, insurers can review your health history and may refuse coverage or charge higher rates. Arizona residents weighing Medigap against Medicare Advantage can compare both options based on their health care needs and budget.

Can I switch from Medicare Advantage to Medigap in Arizona?

Arizona residents can switch from Medicare Advantage to Medigap, but insurers will review your health history and may reject your application or charge higher rates based on your medical conditions. The best time to switch is during your Medigap Open Enrollment Period at age 65, when insurers must accept your application regardless of health status. After this window closes, guaranteed coverage is available only in specific qualifying situations.

What are the best medicare advantage plans in Arizona?

SCAN Health Plan leads Arizona's HMO category with a 4.5-star CMS rating and a $0 monthly premium. Humana's PPO also carries a $0 premium with a $7,850 maximum out-of-pocket. Wellpoint's HMO-POS plan has a $0 premium and an $8,300 maximum out-of-pocket.

Our Review Methodology

MoneyGeek collected rate data for all Medicare Supplement plans available to Arizona residents using the plan browsing tool at Medicare.gov, pulling quotes for 65-year-olds and 75-year-olds in May 2026. We reviewed plans from more than 40 carriers operating in Arizona to build the comparisons and rankings on this page. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Arizona based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Sources

Medicare.gov. "Find a Medigap policy that works for you." Accessed June 26, 2026.
CMS.gov. "Medigap (Medicare Supplement Health Insurance)." Accessed June 26, 2026.

Best Medicare Supplement Plans in Arizona (2026)

Best Cheap Medicare Supplement Companies in Arizona

WMI Mutual

Humana

New Era

State Farm

Transamerica

Find Arizona Medicare Supplement Plans That Fit Your Needs

Arizona Medicare Supplement Plan Cost

How to Choose the Best Arizona Medicare Supplement Plan

How to Find the Best Arizona Medicare Supplement Company

Arizona Medicare Resources

Medicare Supplement Plans in Arizona: FAQ

What does Medigap cover in Arizona?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Arizona?

Can I switch from Medicare Advantage to Medigap in Arizona?

What are the best medicare advantage plans in Arizona?

Our Review Methodology

Related Articles

Sources