In Chandler, Arizona, there’s a 50-50 split between Medicare beneficiaries and Medicare Advantage beneficiaries. Which side of that fence do you fall on, and are you getting the best deal? Keep reading to find out!

Supplemental Medicare Plans in Chandler, Arizona

The data below reflects the average cost for a 75-year-old retiree in Chandler, Arizona. It’s important to remember that Original Medicare in Arizona works the same way it does in every other state. It’s your supplemental Medicare options that will change based on your area.

Affordable Medicare Advantage Plans in Chandler, Arizona

In Maricopa County, where Chandler is located, there are 60 different Medicare Advantage plans which beneficiaries can choose from. Having that much variety can help you get a better, more competitive rate!

All Medicare Advantage plans ins Arizona are designed to be affordable. But the most affordable plan with the highest customer service rating is Unitedhealthcare. It has a 4-star rating, a $3,000 annual maximum out-of-pocket cost, and a $0 monthly premium.

The most affordable Medicare Advantage plan with the lowest customer service rating is Banner. The annual maximum out-of-pocket cost is $2,775, but their customer service rating is non-existent as of right now. They also have a $0 monthly premium.

Both Banner and Unitedhealthcare have limited HMO medical networks. The most affordable PPO medical network – which gives you a greater amount of choice – is Humana. It also has a 4-star customer service rating and a maximum out-of-pocket cost of $4,400.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $4,400 LOCAL PPO 4
UnitedHealthcare $0 $3,000 HMO 4
Banner $0 $2,775 HMO N/A
BCBS of Arizona $0 $4,250 HMO 3
Aetna $0 $5,500 LOCAL PPO 4

For more details about how Medicare Advantage plans work, please visit our Medicare Advantage FAQ pages.

Affordable Medicare Supplement Plans in Chandler, Arizona

Medicare Advantage and Medigap plans in Arizona are very different. Medicare Advantage is a fully comprehensive health plan meant to replace (and potentially be better than) Original Medicare. Medigap plans cover the gaps in your Original Medicare coverage, nothing more.

Let’s compare some of the most popular plans. Plan F is the most popular plan because it offers the most coverage. But it can also be the most expensive plan at upwards of $534.65 per month. the lowest Plan F quotes available are $152.35, and you could pay a third of that if you agreed to a high-deductible plan.

Plan G is the next most popular because it offers everything Plan F does (except for Part B deductible coverage). This means Plan G quotes can range from $133.73 to $493.81 per month. Again, agreeing to purchase a high-deductible plan can significantly lower your monthly premium.

Lastly, Plan N ranks #3 in both coverage and affordability. Plan N is almost identical to Plan G with two significant exceptions. Plan N does not cover excess Part B charges as Plan G does. And although it covers most of your Part B coinsurance costs, you will still have $20 office visit co-pays and $50 ER visit co-pays to worry about.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $112.23 $492.96
PLAN B $164.66 $376.06
PLAN C $167.35 $421.75
PLAN D $156.33 $353.00
PLAN F $152.35 $534.65
PLAN HDF $49.14 $72.12
PLAN G $133.73 $493.81
PLAN HDG $46.68 $72.54
PLAN K $47.58 $161.00
PLAN L $93.67 $308.37
PLAN M $102.92 $349.79
PLAN N $106.98 $363.18

Medigap can be confusing sometimes, so be sure to visit our Medigap FAQ pages for more info.

Affordable Medicare Part D in Chandler, Arizona

Medicare Part D in Arizona is your only prescription drug option if you stick with Original Medicare. You pay a monthly premium, an annual deductible, and your prescriptions will be drastically discounted after you meet that deductible. But you have to shop around for the cheapest rate in order to get the best deal.

Plans with higher premiums usually have lower deductibles and vice versa. But the discounted cost of your drugs will also affect the cost of your monthly premiums. UnitedHealthcare is the prescription drug plan in Chandler, Arizona with the lowest deductible right now of $310.

All other plans have a $480 deductible, including Aetna. So the difference is the monthly premium. Aetna’s monthly premium is $7.50, and they also have a 3-star customer service rating.

The least affordable plan is from Clear Spring. They charge $29.10 per month in addition to their $480 deductible. And they only have a 2-star rating as far as customer service goes.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.50 $480 3
Wellcare $13.00 $480 3
Humana $22.70 $480 4
UnitedHealthcare $27.60 $310 4
Clear Spring $29.10 $480 2

For more info on prescription drug coverage with Original Medicare, you can visit our Part D FAQ pages.

Medicare Special Needs Plans in Chandler, Arizona

Sometimes, chronic diseases such as End-Stage Renal Disease (ESRD) will make your healthcare so expensive that you need a Special Needs Plan (SNP). For better or worse, these are only available from Medicare Advantage. They limit their medical networks to keep costs low, but they try to choose doctors and facilities which specialize in the care that your disability requires.

Magellan and Banner have unique eligibility criteria for enrollees. Your chronic illness must be both disabling and chronic in order to qualify for a plan. Both come with a $0 monthly premium, but Banner is much cheaper at $2,900 maximum out-of-pocket costs. The Magellan cap is much higher at $7,550.

Scan Desert is the most affordable plan with $0 monthly premiums and $2,800 in out-of-pocket costs annually. In order to qualify, your health condition can either be chronic or disabling. It does not have to be both.

The least affordable plan with the lowest eligibility qualifications is from Alignment. It also comes with a $0 monthly premium, but a higher maximum out-of-pocket cost cap of $3,400.

PLAN PREMIUM MOOP Plan Type Eligibility
Globalhealth $0 $2,900 HMO Chronic or Disabling
Alignment $0 $3,400 HMO Chronic or Disabling
Magellan $0 $7,550 HMO Dual
Banner $0 $2,900 HMO Dual
Scan Desert $0 $2,800 HMO Chronic or Disabling

FAQs

What is the average cost of a Medicare Part D plan in Chandler, Arizona?

The average monthly premium for a Part D plan is $19.98 with most plans requiring a $480 deductible or less.

What is Medicare Part N in Arizona?

There’s no such thing. But there is a Medigap Plan N which is the third most comprehensive Medicare Supplement Plan available.

What is not covered by Medigap in Arizona?

Prescription drugs, vision, and dental. You will have to get private health plans (like Medicare Part D for prescription drugs) if you need this type of coverage but don’t want to give up your Original Medicare or your Medigap plan.

How to Sign Up for Supplemental Medicare in Chandler, Arizona

If you want to get free, competitive rates quoted to you so that you can shop around for the best deal, please fill out our customer contact form. You can also give us a call at the number above. We have friendly and knowledgeable Medicare agents waiting to help you right now.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.