In Arizona, there are 1,279,721 enrolled in Medicare. Among those beneficiaries, 56% are female, while 44% are male. In this article, we’ll go through the various Medicare plans available for you in Scottsdale, Arizona.

Supplemental Medicare Plans in Scottsdale, Arizona

Medicare in Arizona works the same way it does in every other state. Scottsdale residents benefit significantly by enrolling in supplemental Medicare plans, which help cover extra medical expenses. Medicare Advantage and Medigap are both great options that are available to beneficiaries. The rates below are based on a female beneficiary aging into Medicare at 65.

Affordable Medicare Advantage Plans in Scottsdale, Arizona

The participation rate for Medicare Advantage in Arizona is abundant in Scottsdale. Currently, beneficiaries will have access to 39 Medicare Advantage plans.

One of Scottsdale’s more affordable Medicare Advantage plans includes UnitedHealthcare (HMO). They have a 4-star rating, a $0 premium, and a maximum out-of-pocket limit of $3,000.

BCBS of Arizona also offers an HMO plan with a $0 monthly premium. However, it comes with a higher MOOP limit of $4,250 and only has a 3-star rating.

There are other factors to consider aside from the MOOP limit and star ratings. For example, the MOOP limit doesn’t matter if your doctor is not in the plan’s network.

Humana offers a PPO plan. It has a 4-star rating with a maximum out-of-pocket limit of $4,400.

You want a PPO plan for those looking for a program that will allow them to choose their doctor. Humana and Aetna, as well as many other carriers in the area, offer a PPO plan that will give that flexibility.

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

Affordable Medicare Supplement Plans in Scottsdale, Arizona

An Arizona Medigap plan is a great option for supplemental Medicare coverage. Unlike Medicare Advantage plans, they don’t have doctor networks or unpredictable cost-sharing.

Medigap Plan G will give you the most benefits if you’re newly eligible for Medicare. The only cost it doesn’t cover is the Part B deductible. The lowest premium for Plan G is $121, while the highest is $436.45. However, most will not pay more than $200 monthly for Plan G.

For beneficiaries eligible for Medicare before 2020, you can enroll in Plan F. Plan F is considered a first-dollar coverage plan. The only cost you’ll ever have is the monthly premium. In Scottsdale, the lowest premium is $137.85. The highest is $471.97.

A high-deductible version is an excellent option for those who like the benefits of Plan G but not the monthly premium. The premium ranges between $31.82 and $63.87.

It’s important to consider other factors aside from the monthly premium. The plan with the lowest premium may not give you the necessary benefits. Make sure to compare the benefits of each letter plan side by side before choosing one.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $99.17 $443.74
PLAN B $145.90 $338.55
PLAN C $148.10 $373.75
PLAN D $142.17 $307.00
PLAN F $137.85 $471.97
PLAN HDF $43.68 $64.87
PLAN G $121.00 $436.45
PLAN HDG $41.49 $63.87
PLAN K $41.88 $140.00
PLAN L $81.50 $277.62
PLAN M $91.08 $314.91
PLAN N $95.09 $321.56

Affordable Medicare Part D in Scottsdale, Arizona

Part D prescription drug plans in Arizona will cover the medications you pick up at your local pharmacy. Arizona has several excellent options for Medicare Part D plans with low monthly premiums.

One of the most affordable plans available is offered by Aetna. It comes with a monthly premium of $7.50 and has a $480 annual deductible. However, it only has a 3-star rating.

Humana offers a top-rated 4-star plan. However, it comes with a higher monthly premium of $22.70. There’s also an annual deductible of $480.

As always, it’s essential to consider other factors outside the premium-deductible and star rating. You may find that the lowest premium plan doesn’t cover your prescription medications.

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 in Scottsdale, Arizona

Special Needs Plans (SNPs) are plans for people with disabilities. These plans are for beneficiaries with institutional-level needs, chronic disabilities, and special needs. Medicare Special Needs Plans are available with many carriers. All SNP plans below to have a zero-dollar monthly premium.

Globalhealth offers an HMO SNP plan with a $2,900 maximum out-of-pocket limit.

Banner also provides an HMO SNP plan with a $2,900 MOOP limit.

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

Does Arizona have a Medicare program?

Yes, the Medicare program in Arizona is the same Medicare program that’s available across all 50 states.

Can I have AHCCCS and Medicare?

Yes, this would make you dual-eligible for both Medicare and Medicaid. AHCCCS is Arizona’s State Medicaid Program. Being eligible for both is called alignment.

Is Medicare free in Arizona?

No, Medicare is not free in Arizona or any other state.

How to Sign Up for Supplemental Medicare in Scottsdale, Arizona

Every Medicare beneficiary needs some form of supplemental Medicare coverage. Whether you would like to enroll in a Medicare Advantage, Medigap, or Part D plan, we can help.

Our services are completely free. We work with all the top carriers in Arizona to ensure you get the best plan at the best rate. Give us a call at the number above. Or, complete our online rate form to get rates now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.