Best Medicare Supplement Plans in Arizona (2026)

Monthly premiums for Medigap coverage in Arizona span $93 to $218 for seniors aged 65, offering strong financial protection across multiple price points. Our analysis of the lowest-cost providers across 10 standardized plan types identified clear winners for budget-conscious beneficiaries.

WMI Mutual offers Arizona's lowest rates for four popular plans. Plan N costs $108 monthly, and Plan A runs $112 per month. Plan G is available for $161, while Plan F costs $170 per month. Humana provides the best Plan B coverage in the state. For Plans C and M, New Era offers budget-friendly premiums. 

State Farm handles Plan D, and Transamerica covers Plans K and L. Arizona seniors choosing these carriers save between $21 and $173 monthly versus state averages.

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

Compare all Arizona Medicare Supplement companies in the table below. The best choice for your situation may differ from the top-rated options listed above.

Arizona's 65-year-olds pay $114 to $361 monthly for Medicare Supplement insurance, a $247 spread driven entirely by plan selection. Plan G costs $273 per month and draws the most enrollees statewide because it fills nearly every Medicare gap after you clear the Part B deductible. Plan K's $114 monthly rate attracts cost-conscious seniors, while Plan C demands $361, more than three times higher. Plan N sits mid-range at $218 monthly. Plans M, L, and A fall between at $144, $207, and $235 respectively, offering progressively broader coverage as premiums increase.

Here's what Arizona residents need to know: Medicare Supplement plans are standardized by federal law, so Plan G offers identical benefits regardless of which company sells it. Companies compete mainly on price for this identical coverage.

Learn More: What Does Medicare Cover and Not Cover?

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.

Looking for Medicare Supplement information? Arizona has several organizations that focus on 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 and is funded federally but not affiliated 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, or policy cancellations. File complaints online or call (602) 364-2499 weekdays between 9 a.m. and 4 p.m. From outside Phoenix but within Arizona, call (800) 325-2548.
• Arizona Area Agencies on Aging: Seven regional agencies cover all 15 Arizona counties. These organizations handle home and community services for 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 Area 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.

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

MoneyGeek collected data for all Medicare plans in Arizona for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. 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.