Best Medicare Supplement Plans in Arizona

Best Medicare Supplement Plans in Arizona

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In this article we’ll discuss:

arizona Medicare Supplement Plans

Are you trying to find the best Arizona Medicare Supplement insurance plans? You’ve come to the right place. In this guide, we’ll walk you through how to compare Arizona Medigap plans and save money.

Medicare supplement plans in Arizona

Did you know that Medicare Supplements are insurance plans that are regulated by the government? Medigap policies are standardized. 

That means whenever you purchase a plan, it will provide you the same exact coverage no matter which carrier you choose.

That’s right. Your plan’s coverage is the same no matter if it’s Cigna, Blue Cross Blue Shield, Mutual of Omaha or any other Medigap company.  It’s the LAW!

The Medigap plans are standardized. This is a safety net put in place by CMS. The Centers for Medicare and Medicaid Services did this to protect you. Insurers, by law, can’t make any changes to standardized benefits.
CMS does not regulate premiums. Companies adjust rates based on a few a few areas. Inflation, overhead, medical pay outs, and marketing are a few of them.

Keep reading and we’ll explain in more detail.

Finding the Best medicare supplement plans in Arizona

How do you get a plan that works for you? How much will you pay for your plan? You’re not getting more benefits by paying more. 

So don’t overpay!

Here’s a quick example:

Plan G premiums with ABC insurance company can be very different from company XYZ. Remember, the plan’s benefits are the same even if the premiums are different.

We calculated sample quotes from multiple states. Below you’ll see the lowest and highest rates for a 65 year old (non tobacco) male shopping for a Medigap Plan G.

What do Medigap plans cost in Arizona?

The average monthly premiums from “A” rated companies were:

  • Average Lowest Monthly Rate: $128
  • Average Highest Monthly Rate: $190

Your Potential Monthly Savings!

$ 0
A monthly savings of $62 is hugeThat’s an annual savings of $744!
Remember that these savings all come with the same benefits. You don’t get more benefits by paying more.
Since the benefits are the same, the only difference is PRICE!

Arizona Medigap Benefits

People are surprised to hear that Original Medicare doesn’t cover 100% of all health care costs. Medicare Part A & Part B covers around 80% of your costs. That means you are responsible for the remaining 20%.
That’s where Medigap comes in.
Medigap covers the 20% that isn’t covered by Original Medicare. It protects you from the gaps in Original Medicare coverage.

How Medicare in Arizona Works

You do not get extra benefits by selecting a big or small insurance carrier.
The benefits are the same no matter which insurer you choose as long as you shop the same plan letter.
Let’s look at how a Medicare Supplement works in AZ. Let’s compare it to an everyday purchase. 
Think of Medigap plans like buying gas. 
The quality of regular unleaded gasoline is the same at every gas station. 
However, gas may have a different price depending on where you buy it. 
You usually buy the least expensive gas because it’s the same regardless of which station you buy it from.
That’s how Medigap works. 
For example, if you’re want to buy Plan C. You should shop your Plan C with all the insurers in your Zip Code. 
Same if you’re shopping for Plan N. Shop all Plan N plans in your Zip Code.

Compare Medigap Plans in Arizona

Even though the coverage for Arizona Medicare Supplement plans are the same, the rates are not.

You’ll want to compare costs carefully during your Medigap Open Enrollment. Start by comparing plan letters from each company in your zip code. 
For example, compare Plan G from multiple private insurance companies.
The prices will be quite different when comparing insurance companies. 

Medicare Supplement Insurance Outline Of Coverage

There are 10 plans available in Arizona. Each plan offers different benefits. For example, Plan F and G cover Part B excess charges. The other plans do not.

medicare supplement plan comparison

* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)

** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.

*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.

Arizona Medicare Resources

Our services are free and we’d be happy to help answer your questions.

We help Arizona Medicare beneficiaries who are new to Medicare or already using Medicare. We provide assistance and answer questions such as:
  • Original Medicare coverage
  • Medicare Part A & Medicare Part B
  • Medicare plan out-of-pocket costs
  • Medigap Open Enrollment Period
  • Prescription drug questions
  • and more!
Do you already have a Medigap plan? We can review your coverage and find you a lower rate! It’s great to save money on the same exact plan. Just know that if you have a health condition, medical underwriting may be required (unless you qualify for an enrollment period that allows guaranteed acceptance).
We are independent agents who shop the market for you. We’re not bound to any single company.
We don’t work for the carrier. We work for you. 
You’ll get value knowing that your Medicare Supplement coverage was shopped around from multiple insurance carriers that sell Arizona Medigap coverage.

Enroll in Medicare: How REMEDIGAP Can Help

Below are the cities in Arizona that we serve.

We’re here to help you with Medicare enrollment and enroll in a Medicare plan that meets your coverage goals.
Medicare Supplements are available statewide and in the cities listed below. Remember that your plan benefits are based on the Plan Letter you choose. Medigap benefits are the same not matter where you live.
This is not always the case with Medicare Advantage plans in Arizona. MAPD benefits, copays and deductibles may be different based on your city or location. Please click on this link if you’re looking for additional Medicare Supplement states.
Be an informed buyer and comparison shop your supplement insurance plan in Arizona today!
Just click here to request help or call us at (888) 411-1329 for personal service.
medicare supplement plans in az

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Edited by

Paul Lane

Insurance Editor

Paul Lane has been a licensed insurance agent for over a decade. He is also a financial professional and holds a Series 6 securities license. He has experience editing insurance websites and blogs with a focus on auto, homeowners, renters, life insurance, disability and supplemental insurance products.

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