Out of the 229,937 Mesa Arizona residents who are receiving Medicare benefits, only 48.71% of them have Medicare Advantage. What are the rest doing? Many could be supplementing their Original Medicare benefits with a Medicare supplement (Medigap) plan. But many could have no supplement plan whatsoever.

Supplemental Medicare Plans in Mesa, Arizona

Sadly, Medicare doesn’t cover everything in Arizona or any other state. And the benefits which are not covered can be costly. Below, we will offer solutions based on plans and rate calculations for the average 73-year-old Mesa, Arizona citizen.

Cheapest Medicare Advantage Plans in Mesa, Arizona

Medicare Advantage plans in Arizona will vary by zip code. Based on data for Mesa, the average Medicare beneficiary is in their early 70s and female. Many are vulnerable to unsupplemented Medicare expenses.

Luckily, there are plenty of Medicare supplement plans available in the area, including 60 Medicare Advantage plans.

Since all of the major plans in Mesa, Arizona come with $0 monthly premiums, your first step towards finding the cheapest plan is to find one with the lowest maximum out-of-pocket cost.

That would be Banner, whose MOOP cost is $2,775. It’s an HMO plan, which means the medical network is a little limited, but that should keep your cost of care low.

Next is Unitedhealthcare’s $3,000 maximum out-of-pocket cost per year. They are also an HMO, but unlike Banner, they have a four out of five-star customer service rating.

This at least lets you know that the beneficiaries who have Medicare Advantage plans with them are highly satisfied with their service.

Aetna is the most expensive out of the top Medicare Advantage plans with maximum out-of-pocket costs of $5,500 per year. But they do have a stellar 4-star rating from customers. They are a PPO, which means you will have a greater variety of choices when it comes to your care.

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

Cheapest Medicare Supplement Plans in Mesa, Arizona

For Medicare beneficiaries who are happy with Medicare Parts A and B, you can supplement the gaps in your coverage with an Arizona Medigap plan.

Unfortunately, there are benefits that Original Medicare will not cover. But there are 10 standardized Medigap plans that you can choose from with varying levels of coverage to meet your needs without breaking your budget.

Based on this level of standardization, finding the cheapest plan boils down to finding the lowest monthly premium.

For that, you will want to go with a high-deductible plan like Plan HDF or Plan HDG. Both of those are available for less than $41 per month right now in Mesa, Arizona.

High deductible and low deductible plans offer the exact same kind of coverage. The difference, of course, is that you pay a greater amount of money upfront in order to meet your deductible with a high-deductible plan.

While your immediate medical expenses will be costlier, the medical costs you incur after you meet your deductible will be largely taken care of by your insurance provider.

Medigap Plan N does not offer a high-deductible plan because it doesn’t offer as much coverage as Plan G or Plan F. It does not help you with your Part B deductible or Part B excess charges, and it only covers part of your Part B coinsurance.

With Plan N, you will still have a $20 copay per office visit and a $50 copay per ER visit, assuming you are discharged immediately after treatment and not admitted to the hospital.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $90.11 $416.72
PLAN B $132.65 $329.12
PLAN C $142.58 $373.75
PLAN D $134.75 $290.00
PLAN F $125.71 $464.43
PLAN HDF $40.37 $59.05
PLAN G $110.35 $427.82
PLAN HDG $40.37 $58.25
PLAN K $37.95 $127.00
PLAN L $76.67 $233.23
PLAN M $85.55 $258.15
PLAN N $90.80 $314.85

Cheapest Medicare Part D in Mesa, Arizona

If you need prescription drug coverage in Arizona under Medicare, you basically have two options: a Medicare Advantage plan, or Medicare Part D.

The Medicare Part D prescription drug plan is specifically designed to help retirees afford prescription medications. The costs you can easily anticipate are the price of your monthly premium and your annual deductible.

Finding a happy balance between your monthly premium and your deductible is the easiest way to find the cheapest plan. But these numbers are usually inverse of one another.

This is true for Unitedhealthcare which costs $27.60 per month in premiums but only comes with a $310 deductible.

Most of the other Medicare Part D plans in Mesa Arizona have the same $480 annual deductible. But Aetna’s plan only costs $7.50 per month in premiums. They also have a three-star customer service rating, which isn’t too bad.

Wellcare is almost twice as expensive at $13 per month in premiums with a 3-star customer service rating. Humana is more expensive still at $22.70 per month, but they have a 4-star rating, which is good news for beneficiaries who care about customer service.

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

Medicare Special Needs Plans

If you’re struggling with chronic health conditions, you may need a Special Needs Plan. These are only available through Medicare Advantage.

They keep your cost of care low by limiting your medical network, but the doctors and facilities they limit you to are designed to be experts in the care you need.

For beneficiaries with an ailment classified as either chronic or disabling, the cheapest available Medicare Advantage SNP is from Alignment.

You’ll pay $0 per month in premiums and only have to worry about $2,499 in out-of-pocket costs before your insurance provider steps in. The eligibility requirements are lesser than they would be with other providers.

One of those providers with higher eligibility requirements is Magellan. The qualify for a Magellan plan, your disability must be chronic and disabling. You will also have to worry about $7,550 in out-of-pocket costs before meeting your deductible.

Banner has the same eligibility requirements, but a much lower deductible. The deductible for a banner SNP Medicare Advantage plan is $2,900. This makes it a little more expensive than Alignment, but a potential source of cost savings nonetheless.

PLAN PREMIUM MOOP Plan Type Eligibility
Globalhealth $0 $2,900 HMO Chronic or Disabling
Alignment $0 $2,499 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

How much does Medigap cost in Mesa, Arizona?

Plans can cost as little as $40.37 per month or as much as $464.43 per month.

What is the most popular Medicare Part D plan in Mesa, Arizona?

Based on customer service ratings, either Humana or Unitedhealthcare.

Who has the cheapest Medicare Part D plan in Mesa, Arizona?

Between monthly premiums and annual deductible, Aetna is the cheapest Medicare Part D prescription drug plan in Mesa right now starting at $570 per year.

How to Sign Up for Supplemental Medicare in Mesa

If you’re ready to get free rate quotes and compare plans in Mesa, Arizona right now, all you have to do is fill out our rate form and one of our licensed agents will compare all your options side by side.

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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.