Medicare Part D gives Medicare beneficiaries coverage for their self-administered prescription drugs. There are 951,773 beneficiaries enrolled in Arizona Medicare Part D plans.

You can enroll in a standalone Part D or Medicare Advantage Prescription Drug (MAPD) plan. Arizona has 479,009 Part D standalone beneficiaries and 510,051 MAPD enrolled beneficiaries.

Arizona Part D prescription drug plans for 2024

Below, we’ll outline Arizona Medicare Part D plans with the lowest premiums, gap coverage, $0 deductibles, and low-income subsidies.

Part D plans with the lowest premium in Arizona

Most of the Arizona Medicare Part D plans below to have a $480 deductible. Aetna has a monthly premium of $7.50, the lowest in the area.

Like Aetna, Wellcare’s Part D plan has a three-star rating, though it has a higher premium of $13 per month.

Humana and UnitedHealthcare Part D plans have high four-star ratings, with UnitedHealthcare offering gap coverage and the lowest deductible at $310.

Aetna $7.50 $480 3 No
Wellcare $13.00 $480 3 No
Humana $22.70 $480 4 No
UnitedHealthcare $27.60 $310 4 Yes
Clear Spring $29.10 $480 2 No

Part D plans with a zero-dollar deductible in Arizona

The plans below all have $0 deductibles. Keep in mind that low or zero-deductible plans typically have higher monthly premiums.

Wellcare’s Part D plan offers the lowest monthly premium of $59 and a three-star rating but does not provide gap coverage. Those looking for gap coverage will want to look at Aetna and UnitedHealthcare.

UnitedHealthcare has the highest monthly premium at $101.10, a three-star rating, and gap coverage. Similarly, Aetna has a three-star rating and gap coverage but a lower monthly premium of $84.70.

Wellcare $59.00 $0 3 No
Amerigroup $66.70 $0 2 No
Aetna $84.70 $0 3 Yes
Banner $85.40 $0 N/A No
UnitedHealthcare $101.10 $0 3 Yes

Part D plans with gap coverage in Arizona

The plans below all include gap coverage to work alongside your medical plan.

Consider Aetna’s plan if you’re searching for a plan with no deductible and a high four-star rating. You may also want to look at UnitedHealthcare’s plan, although the monthly premium is the highest at $101.10.

Those looking to keep their monthly premiums lower should consider the other UnitedHealthcare plan with a $27.60 premium.

UnitedHealthcare $27.60 $310 4 Yes
Cigna $69.50 $100 3 Yes
Aetna $84.70 $0 4 Yes
UnitedHealthcare $101.10 $0 3 Yes

Part D plans with a Low-Income Subsidy in Arizona

A low-income subsidy (LIS) helps beneficiaries keep their prescription drug costs low. In Arizona, there are 236,860 LIS-eligible Medicare beneficiaries. Because LIS reduces prescription costs, none of the plans below offer gap coverage.

Wellcare’s Part D plan with LIS offers the lowest monthly premium at $32.80 with a three-star rating. Similarly, Aetna’s Part D plan shares the same rating, with a slightly higher premium set at $33.10.

The highest premium belongs to Cigna at $36.30, with BCBS of Arizona sharing the same three-star rating and a very slight premium decrease.

Wellcare $32.80 $480 3 No
Aetna $33.10 $480 3 No
Clear Spring $33.20 $480 2 No
BCBS of Arizona $36.20 $480 3 No
Cigna $36.30 $480 3 No

Amount of beneficiaries that fall into each Part D coverage phase

Also known as the donut hole, the coverage gap is the phase after the initial coverage period when beneficiaries must pay a certain percentage of their prescription drugs. Beneficiaries enter this phase when their drug costs (what you and your plan have paid for your prescriptions) reach a specific limit. The current limit is $4,660.

See the chart below for the number of Arizona Medicare beneficiaries in each coverage phase.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
279,695 402,671 97,541 63,194

Cities in Arizona with estimated premiums for Part D coverage

You can find charts with estimated premiums for Medicare Part D prescription drug coverage for the below cities:


Do I need Medicare Part D if I don’t take any drugs?

While Part D plans are unnecessary, you may still want to consider them. The Centers for Disease Control reports that over 85% of adults over 60 take at least one prescription per month. So even if you don’t currently take any prescription drugs, getting your coverage before you need them is best.

What is the maximum out-of-pocket for Medicare Part D in Arizona for 2023?

Per the Centers for Medicare & Medicaid Services, this year’s out-of-pocket spending threshold limit is $7,400.

How do I find the best Medicare Part D plan in Arizona?

Start by looking at your priorities. Do you take specific drugs? Are you seeking more balanced drug expenses? Medicare has a helpful table that includes six tips for selecting the best Medicare Part D so that you can make an informed decision based on your needs.

How to get help signing up for a Medicare Part D plan in Arizona

Finding the right plan can be overwhelming. That’s why we take the time to work with every carrier to help you compare Arizona Medicare Part D plans to find the right one for you. Call or fill out our online form to compare quotes for free.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for 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 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.