In Phoenix, Arizona there are currently 254,504 Medicare Advantage beneficiaries. This means that 41.27% of Medicare recipients in the area are currently relying on a private plan. There are many different options in Phoenix right now, and we’re going to go over them to make sure you have the best plan available.

Supplemental Medicare Plans in Phoenix, Arizona

When it comes to Medicare in Arizona, beneficiaries can choose to stick with Original Medicare and purchase certain Medicare supplements in order to stay on top of their healthcare costs, or they can choose Medicare Advantage. Both have their pros and cons, and not all plans are right for everybody.

The data discussed in this article will pertain to the average 72-year-old Medicare beneficiary.

Average Medicare Advantage Plans in Phoenix, Arizona

According to statistical data, the average Phoenix resident on Medicare is sticking with Original Medicare, despite the fact that there are 60 different Medicare Advantage plans available currently in Maricopa County. Slightly more than half (52%) of Medicare beneficiaries in the city are female.

Many Medicare Advantage providers in Arizona are offering $0 monthly premium plans in order to stay competitive. Banner, an HMO, comes with the lowest maximum out-of-pocket cost capped at $2,775.

Plans from competitors such as Humana, Unitedhealthcare, and Aetna have higher customer service ratings, but also higher out-of-pocket costs with caps as high as $4,400 for Humana.

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

Average Medicare Supplement Plans in Phoenix, Arizona

Medicare supplement plans in Arizona are easy to understand because all 10 are standardized across the US. So you really only have two things to worry about: your monthly premium, and your provider’s reputation. These two factors will help you figure out whether or not you have a good plan.

When it comes to Medigap plans, some of the most popular plans have high deductible alternatives. This gives you the comprehensive benefits you need for a lower monthly premium. But you will have to pay a higher out-of-pocket cost in the short term in order to meet your deductible.

That’s what you see such a dramatic price difference between high deductible plans and regular plans. High-deductible Plan G, for example, might cost you a maximum of $65 per month. The regular Plan G, on the other hand, can cost you between $122 and $485.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $102.00 $475.26
PLAN B $149.73 $371.12
PLAN C $161.11 $421.75
PLAN D $145.76 $333.00
PLAN F $138.94 $526.42
PLAN HDF $44.41 $67.77
PLAN G $121.95 $484.29
PLAN HDG $44.41 $64.39
PLAN K $43.14 $146.00
PLAN L $88.08 $259.01
PLAN M $96.67 $286.70
PLAN N $102.12 $355.82

Average Medicare Part D in Phoenix, Arizona

Medicare Part D in Arizona is the prescription drug plan you can sign up for if you are enrolled in Medicare but not Medicare Advantage. It’s one of the easiest and most affordable ways to get your life-saving prescription drugs covered at a fair price.

Ideally, you want to strike a balance between a low deductible and a low monthly premium, even though these two things are usually opposed. The UnitedHealthcare plan, for example, has a higher monthly premium of $28 but a low deductible of $310.

The Medicare Part D Aetna plan has the lowest monthly premium of $7.50. Yes, you’ll have to spend $480 out of pocket in order to meet your deductible, but they have a three-star rating, so your prices for your prescriptions after your deductible is met should be considerably low.

If you live in Phoenix and you’re having trouble meeting the $480 deductible offered by providers like Wellcare or Humana, you might want to apply for Medicare Extra Help. It’s a service that helps low-income beneficiaries cover the costs of their prescriptions so they can stay happy and healthy.

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

Medicare recipients who have special medical needs should look into Special Needs Plans (SNPs) from Medicare Advantage. These plans give you the cost flexibility of a private health plan with a limited medical network.

But the network was chosen specifically to give care to beneficiaries with special needs, offering medical experts and facilities that are best equipped to treat their unique conditions.

Alignment has the lowest out-of-pocket maximum in the Phoenix area right now. Once you spend $2,499 on qualifying healthcare, your insurance provider will begin helping you cover your costs for treatment, drugs, hospitalizations, and outpatient procedures. They also have lower eligibility requirements to qualify for an SNP.

Speaking of eligibility, both the Magellan and Banner plans require dual eligibility. This means your medical condition must be chronic and disabling in order to qualify for their SNP. But out of the two, Banner’s MOOP is $4,650 less than Magellan, so there are some potential savings there.

All of these plans, including Scan Desert, are HMO plans. That’s short for “Health Management Organization,” and they typically offer fewer choices as far as doctors and facilities go. But the advantage is that they cost less. Also, typically, SNP HMOs are curated for beneficiaries with special needs in order to enhance the quality of care.

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 Phoenix, Arizona?

That depends on your plan and the amount of healthcare you need. Your monthly premium for Plan K could be as little as $44, or as high as $527 for low-deductible Plan F. Keep in mind that plans with low monthly premiums usually come with fewer benefits and less coverage, leading to higher out of pocket costs for you.

Is a Medigap plan better than an Advantage plan in Phoenix, Arizona?

That answer is different for everyone. The plan that gives you the greatest number of doctors and facilities to choose from, the lowest copays/coinsurance/premiums and the greatest amount of coverage and benefits is usually the better one. In Phoenix, less than half of all Medicare recipients have an Advantage plan, which might be indicative of how effective these plans are at reducing people’s healthcare costs.

What is the highest-rated Medicare Advantage Plan in Phoenix, Arizona?

Humana, Aetna, and UnitedHealthcare are some of the highest-rated Medicare Advantage plans in Phoenix right now. Each has a 4-star rating from customers who enjoy their plans.

How to Sign Up for Supplemental Medicare in Phoenix

Signing up for supplemental Medicare in Phoenix, Arizona is easier than ever. We work with the top Medicare Supplement providers in Phoenix and will get you free rate quotes in a matter of minutes. All you have to do is fill out a short, simple form to get started!

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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.