The Best Arizona Medicare Supplement Plans (2022)

Arizona residents looking for a Medicare Supplement (also called Medigap) plan can choose from 10 options. However, the availability of policies depends on when you become eligible.

The companies offering the best Medigap plans in Arizona are UnitedHealthcare and Physicians Mutual. It is important to note that you cannot have Medigap and Medicare Advantage simultaneously when buying coverage. Medicare Advantage Plan in Arizona is a replacement for the entire Medicare plan, including Original Medicare.

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Last Updated: 6/22/2022
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One of the factors affecting the cost of Medicare Supplement plans in Arizona is your age. The average monthly rate for a 65-year-old is $167, while a 75-year-old pays an average of $223 monthly.

Plans F and G are the most popular types because of their comprehensive coverage. The average monthly rates for these plans are $216.46 and $161.40, respectively. That said, Plan F is only available for those who were first eligible for Medicare before 2020.

The next most popular is Plan N, which offers similar coverage to Plans F and G but has additional charges. The average cost of a Plan N is $157.30 per month for a 65-year-old.

MoneyGeek ranked the best providers for these three plans based on average premiums and benefits collected for this analysis. Learn more about various plans and coverages in our guide, Finding the Best Medicare Supplement Plan.

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Best Medicare Supplement Plans in Arizona

Best Medicare Supplement Plan G in Arizona

UnitedHealthcare offers the best Medigap Plan G for Arizona residents. The company also has a SELECT plan option, which lowers premiums but limits where you can receive full benefits to a given network. UnitedHealthcare’s Plan G SELECT costs an average of $119.41 per month.

MoneyGeek only ranked companies that have online quotes available. Other Medigap plan providers in Arizona that do not provide online estimates may offer more competitive rates.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $136.48

UnitedHealthcare charges an average of $136.48 per month for its Plan G Medicare Supplement. That’s much more affordable than the state average of $194.20.

Choosing UnitedHealthcare’s Plan G gives you access to several advantages. For instance, you can get Renew Active, a fitness program that provides free gym memberships to any of the gyms included in the company’s nationwide network. You may also get dental, vision and hearing coverage discounts, if you’re eligible.

UnitedHealthcare has a SELECT option for its Medicare Supplement Plan G in Arizona. The benefit here is that you’ll only pay $119.41 per month but will have a more restrictive network.

MORE ABOUT PLAN G IN ARIZONA

Navigate to learn more about Medigap Plan G in Arizona, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Arizona

On average, Arizona residents with Medigap Plan G pay $194.20 per month. But actual costs may vary depending on several factors like your provider, current age, available discounts and other medical underwriting factors.

For example, the cheapest Plan G for 65-year-olds in the state is from Physicians Mutual at $101 monthly. That is $259.90 cheaper than the most expensive rate of $360.90 at Humana.

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65

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  • Company
    Sample Monthly Rate
  • Physicians Mutual
    $101
  • UnitedHealthcare
    $128
  • Cigna
    $210
  • Humana
    $361

Providers Offering Plan G in Arizona

There are 44 companies offering Plan G Medicare Supplement in Arizona. However, not all providers have online quotes. To help you find the best company, MoneyGeek gathered the contact information of all Plan G providers in the state. We also listed their pricing methods, such as which companies tend to charge more depending on your age.

Providers Offering Plan G in Arizona

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  • Company
    Contact Number
    Pricing Style
  • Everence
    (800) 348-7468
    Attained Age
  • The IHC Group
    1-866-951-0679
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Humana
    1-800-457-4708
    Community
  • Royal Arcanum
    1-888-272-2686
    Community
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • AFSLIC
    1-866-951-0686
    Issue-Age Pricing

What Does Plan G Cover?

Medigap plans in Arizona, including Plan G, are standardized. Companies must meet specific benefit requirements. Note that Plan G does not cover Part B deductibles. It also only covers 80% of foreign travel exchange that falls within your plan limits. Companies may offer additional features like UnitedHealthcare’s Renew Active.

Required Benefits of Plan G in Arizona
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Arizona

If you are looking for the best Medicare Supplement Plan F in Arizona, the top option for you may be Physicians Mutual. Remember that MoneyGeek analyzed and ranked only those companies that offer online estimates. You may find better offers and rates from other companies that do not have online quotes.

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MoneyGeek Top Pick
Physicians Mutual
  • MoneyGeek Score: 85 out of 100
  • Average Monthly Rate: $270.65

Physicians Mutual’s Medigap Plan F in Arizona is $54.15 more expensive than the $216.50 state average monthly rate. However, the company offers additional benefits to its policyholders. For instance, it includes Preventive Care coverage. With this, you can get preventive care services for free and without a dollar-value limit, such as routine physical exams, immunizations and health screenings not paid for by Medicare. Foreign Travel coverage is also included.

The company also offers a high-deductible option. Choosing this can lower your monthly average payment to $98.85. However, you will have to pay for Medicare-covered costs like coinsurance, copayments and deductibles of up to $2,490.

MORE ABOUT PLAN F IN ARIZONA

Navigate to learn more about Medigap Plan F in Arizona, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Arizona

The average monthly cost of a Plan F Medicare Supplement plan in Arizona is $216.50. However, actual rates may vary depending on your age when you purchased a plan, your current age, available discounts and medical underwriting factors.

For example, 75-year-olds can find a policy costing $192.10 per month at Cigna. That is the cheapest option in Arizona. The most expensive company is UnitedHealthcare, which has an average monthly rate of $313 or $120.90 more.

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75

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  • Company
    Sample Monthly Rate
  • Cigna
    $192
  • Physicians Mutual
    $194
  • Humana
    $226
  • UnitedHealthcare
    $313

Providers Offering Plan F in Arizona

Forty-six companies offer Medicare Supplement Plan F in Arizona. However, some do not have accessible quotes online. You can use MoneyGeek’s list of contact information to find the provider that best fits your needs. MoneyGeek also shows the companies’ pricing methods to help you see which tend to charge more if you’re older.

Providers Offering Plan F in Arizona

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  • Company
    Contact Number
    Pricing Style
  • Everence
    (800) 348-7468
    Attained Age
  • The IHC Group
    1-866-951-0679
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Humana
    1-800-457-4708
    Community
  • Royal Arcanum
    1-888-272-2686
    Community
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • AFSLIC
    1-866-951-0686
    Issue-Age Pricing

What Does Plan F Cover?

Plan F, like all Medigap plans in Arizona, is standardized. Providers must include certain benefits. It’s the most comprehensive, but those new to Medicare can't buy it. However, Plan F typically only covers 80% of foreign travel. Note that in some cases, companies may choose to offer additional features, one example being Physician Mutual’s Preventive Care.

Required Benefits of Plan F in Arizona
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Arizona

For Medicare Supplement Plan N, the best option in Arizona is UnitedHealthcare. It has an average premium of $110.41 per month.

UnitedHealthcare offers a SELECT option for Plan N. It lowers the monthly average payment rate, but you will have a more restrictive network.

Note that MoneyGeek’s ranking only considers companies that have available estimates online. You may find better rates from other companies offering Plan N in Arizona but do not provide online quotes.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $110.41

With an average monthly rate of $110.41, UnitedHealthcare Plan N typically costs $70.39 less than the state average of $180.80. In addition to its standard benefits, the company also offers Optum NurseLine. It is a 24/7 service that assists customers with health problem questions.

UnitedHealthcare also has a SELECT option for its Plan N coverage. With this, you can lower your monthly premium to $96.53. However, your plan will have a more restrictive network.

MORE ABOUT PLAN N IN ARIZONA

Learn more about Medigap Plan N in Arizona, including how much it costs on average, what providers are available and what it covers:

The Cost of Medicare Supplement Plan N in Arizona

The average monthly rate for Medicare Supplement Plan N in Arizona is $180.80. However, rates may vary per person depending on your current age, how old you are when you buy the plan, available discounts and other medical underwriting factors.

A 65-year-old in Arizona can get the cheapest Plan N from UnitedHealthcare at $103.50 monthly. Humana, the most expensive company, charges an average of $278.20. That is a difference of $174.70.

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $104
  • Cigna
    $144
  • Humana
    $278

Providers Offering Plan N in Arizona

There are 45 providers offering Plan N in Arizona, but not all provide online estimates. MoneyGeek collected their contact details to help you in your research. You can also compare their pricing methods to see which companies tend to charge more based on age.

Providers Offering Plan N in Arizona

Scroll for more

swipe icon
  • Company
    Contact Number
    Pricing Style
  • Everence
    (800) 348-7468
    Attained Age
  • The IHC Group
    1-866-951-0679
    Attained Age
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Humana
    1-800-457-4708
    Community
  • Royal Arcanum
    1-888-272-2686
    Community
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • AFSLIC
    1-866-951-0686
    Issue-Age Pricing

What Does Plan N Cover?

All Medigap policies in Arizona are standardized, including Plan N, and should cover certain benefits. Note that Plan N does not include Part B deductible or Part B excess charge. It also covers only 80% of foreign travel exchange up to the plan limits. Depending on the company, you may find additional offers like UnitedHealthcare’s NurseLine.

Required Benefits of Plan N in Arizona
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Arizona: Other Plan Types

Other plan types are available in Arizona, including Plans A, B, C, K and L. These are less popular due to less comprehensive coverage.

Based on MoneyGeek’s evaluation of companies offering quotes online, UnitedHealthcare is the best for these plan types. Other providers with online estimates include Physicians Mutual, Humana and Cigna.

If you were newly eligible for Medicare coverage after January 1, 2020, you do not qualify for Plan C in Arizona or nationwide.

The Best Medicare Supplement in Arizona - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    A

    $104.00

  • B

    B

    $151.73

  • C

    C

    $310.75

  • F

    F

    $270.65

  • G

    G

    $136.48

  • K

    K

    $45.14

  • L

    L

    $91.04

  • N

    N

    $110.41

How to Find the Best Medicare Supplement Plans in Arizona

Understanding Medicare Supplement plans in Arizona can be a bit challenging. To help you find the best provider for your needs, MoneyGeek analyzed pricing information from different companies and plan types. The chart below can help you more easily compare Medigap plans in Arizona.

Arizona Medicare Supplement Plans Comparison Chart

The level of coverage varies depending on the type of Medigap plan. For instance, Plans F and C offer the most comprehensive protection. However, they are not available to new enrollees and have been replaced by Plans G and D. Use the chart below to see how coverages and rates may differ.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Arizona

Rates depend on the plan type and provider that you choose. For most letter plans in Arizona, UnitedHealthcare is the most affordable option. However, Physicians Mutual is the cheapest for Plan F.

Companies use three pricing styles. These may also have an impact on the cost of your plan.

  • Issue-Age: This is the most common method used by Medigap providers in Arizona, regardless of the plan letter. It is when rates depend on your age when you first acquired the plan.
  • Attained-Age: The cost of the plan is based on your current age, which means your premiums increase as you get older.
  • Community-Rated: Companies using this method charge the same monthly rate to all policyholders, regardless of age.
Average Cost of Medicare Supplement in Arizona

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $104
  • Physicians Mutual
    $205
  • Cigna
    $225
  • Humana
    $262

FAQs About Medicare Supplement Plans in Arizona

MoneyGeek answers some of the frequently asked questions to help you better understand Medicare Supplement plans in Arizona.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Arizona for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

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.


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