Tucson is one of the largest cities in Arizona with a population of 557,718. Medicare beneficiaries make up almost half of the population with 269,298 people enrolled in Medicare Parts A and B. With its warm dry climate, many beneficiaries choose to live in Arizona when they retire.

Of the Medicare members in Tucson, 51.12% are enrolled in Medicare Advantage plans.

Supplemental Medicare Plans in Tucson, Arizona

Today we’ll be covering all Medicare options in Arizona. Starting with the most affordable Medicare Advantage plans. Next, we’ll move to the average Medicare Supplement pricing. Following that we’ll discuss the cheapest Medicare Part D plans.

Finally, we’ll cover special needs plans in Tucson and how to enroll in a Medicare plan. The data shown below is based on a 70-year-old man.

Most Affordable Medicare Advantage Plans in Tucson, Arizona

Tucson is in Prima county. Beneficiaries in Prima county have 48 different Medicare Part C plan options they can choose from. Medicare Advantage plans are another way to receive your benefits.

Medicare Part C plans in Arizona must cover everything that Original Medicare covers, but they typically include additional benefits. Many of the plans have a zero-premium and include drug coverage.

UnitedHealthcare is one of the largest Medicare insurers in the nation. They are backed by AARP and boast robust plans nationwide. As you can see below their HMO has a 4-star rating and a very low maximum-out-of-pocket. UHC’s members swear by the care and service they receive.

Alignment is a small California-based health care company that offers plans in Maricopa and Prima county in AZ. They are relatively new to the Medicare Advantage space and have not been assigned a star rating yet. They have the lowest maximum out of pocket shown at $2,499 making them a good choice for comprehensive care.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $2,600 HMO 4
Alignment $0 $2,499 HMO N/A
Clover Health $0 $3,400 LOCAL PPO 3
Amerigroup $0 $2,700 HMO N/A
Globalhealth $0 $3,400 HMO N/A

Medicare Supplement Plans in Tucson, Arizona

Medicare Supplement plans in Arizona help pick up what’s leftover by Original Medicare. Costs such as your hospital deductible, and 20% co-insurance.

For example, a Plan F will cover all your costs after Medicare pays its portion. It doesn’t matter which company or where you are in the United States. The only difference is the monthly premium.

You can see below the lowest and highest costs of each plan letter. It looks a bit like an alphabet soup. Most Medicare beneficiaries choose to enroll in Plans F, G, or N.

Plan F is the reigning champion as far as plans go. Simply put, Anything Medicare covers, Plan F will cover your portion of the costs. You only pay your monthly premium, and nothing else when seeking Medical care.

Plan G is gaining popularity, especially since Plan F is discontinued for new Medicare members. Plan G has identical coverage to plan F with one difference. It doesn’t cover the small annual Part B deductible. Once a beneficiary meets that deductible there are no more costs outside of the monthly premium.

Plan F and Plan G both have high deductible options. Once you meet your deductible you will pay nothing additional except your monthly premium for Medicare-covered services.

The most cost-effective plan is Plan N. Plan N is similar coverage to plan G. The main difference is when you visit the doctor you will have a copay of up to $20. For the emergency room, your copay is up to $50 dollars. The only other thing not covered by plan N is excess charges.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $112.23 $492.96
PLAN B $162.75 $376.06
PLAN C $167.35 $421.75
PLAN D $140.08 $353.00
PLAN F $137.83 $494.92
PLAN HDF $49.14 $71.96
PLAN G $121.01 $444.43
PLAN HDG $46.68 $69.09
PLAN K $47.58 $161.00
PLAN L $82.00 $308.37
PLAN M $102.92 $349.79
PLAN N $104.67 $352.76

Cheapest Medicare Part D in Tucson, Arizona

Part D prescription plans in Arizona are the 4th part of Medicare. You can get drug coverage through a Medicare Advantage or a stand-alone Part D Plan. Since Medicare Supplements don’t include drug coverage it’s important that you also choose a Part D plan when enrolling in a Medigap plan.

Aetna has the lowest premium in the nation with its SilverScript branded drug plans. With a premium under $10 and the backing from their parent company CVS, Aetna is a safe bet for your drug plan.

Number two is Wellcare. Wellcare has the second-lowest premium and with the backing of Centene their parent company, they are a very good option for prescription coverage.

Humana has been in the Medicare realm for many years. They are one of the staples of the industry in all aspects of Medicare options. Their cheapest Part D plan comes in just over $20.

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

Special Needs Plans are specially designed for people with certain circumstances. There are three types of Special Needs Plans.

D-SNP – These plans help low-income beneficiaries and coordinate with Medicaid to offset costs.

C-SNP – These plans are designed for people with chronic health conditions such as diabetes and chronic heart conditions. They can lower the drug tiers and cover certain services and procedures at a lower cost than regular Part C plans.

I-SNP – These are designed to cater to people that are living in an institutional setting.

SNP plans are not available in all areas so check with a licensed insurance broker to see what’s available in your area.

Banner Health is a small insurance company that services the Tucson area. They are known for their Dual Special Needs plans and catering to those with low-income.

Global Health is another smaller insurance provider that services Prima county. They have great C-SNP plans.

Wellcare has some of the most robust benefits in the nation for its SNP plans. Coverage will vary depending on where you live. If you’re looking for an SNP Medicare Advantage plan. Wellcare could be a great option for you.

PLAN PREMIUM MOOP Plan Type Eligibility
Banner $0 $2,900 HMO Dual
Globalhealth $0 $2,900 HMO Chronic or Disabling
Amerigroup $0 $2,700 HMO Institutional
Wellcare $0 $5,000 HMO Chronic or Disabling
Unitedhealthcare $0 $2,600 HMO Chronic or Disabling

FAQs

What’s the best Medicare Advantage plan in Tuscon, Arizona?

Everyone’s needs are different so it’s impossible to say X plan is the best. Depending on your needs and preferences, the best plan for you could be completely different than the best plan for your spouse or neighbor. Speaking with a licensed agent can help you determine which plan is best for your needs and situation.

How many Medicare Supplement options are available in Tucson?

There are 10 letter plans available and several companies that offer those plans. Depending on when you started Medicare will determine how many plan options are available to you.

Do I have to enroll in a drug plan in Tucson, Arizona?

No, but if you choose not to enroll and don’t have creditable coverage you will be accessed a penalty later when you need one.

How to Sign Up for Supplemental Medicare in Tucson, Arizona

If you need help enrolling or determining which Medicare plan option is for you. You’re in luck. We have access to every carrier in Tucson and can help guide you along the way.

Our licensed insurance brokers specialize in Medicare. They’ll help educate you, assess your needs, and provide options that will fit your needs. They can even walk you through the enrollment process and make the process quick and easy.

Don’t delay give us a call today! If now isn’t a good time simply fill out our online request form and we’ll reach out.

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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.