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Arizona Medicare Supplement Plans in 2022


Medicare Supplement plans in Arizona fill the gaps of Original Medicare coverage and protect you from out-of-pocket costs. Understanding how your coverage works is essential to getting the most out of your Medicare plan. Below we review how these plans can save you money and hassle when receiving medical care.

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Medicare Supplement Plans in Arizona

Medicare Supplement Plans in Arizona help offset the costs that Medicare beneficiaries typically pay out-of-pocket. Original Medicare consists of Medicare Part A and Part B, which do not cover services at 100%. Often, this leads to beneficiaries being responsible for deductibles, copayments, or coinsurances.

A Medicare Supplement (Medigap) plan covers these costs, closing the 20% coinsurance gap. When you enroll in a Medigap plan in Arizona, you can see any doctor or visit any hospital that accepts Original Medicare. There are no network restrictions, regardless of which insurer administers your Medicare Supplement plan.

What are the Best Medicare Supplement Plans in Arizona?

Due to their comprehensive coverage, the best Medicare Supplement plans in Arizona are:

  • Medicare Supplement Plan F
  • Medicare Supplement Plan G
  • Medicare Supplement Plan N

If you are looking for a full-coverage plan, Medicare Supplement Plan F will be the best plan for you. With Medigap Plan F, you have the freedom to receive any Medicare-covered procedure with zero out-of-pocket costs. This plan is a fantastic option if you consider yourself a frequent flyer at the hospital or emergency room.

The only issue with Medicare Supplement Plan F is that not all Medicare beneficiaries are eligible to enroll in the plan. You only qualify for enrollment in Medigap Plan F if you received Medicare before January 1, 2020.

If you do not meet the qualifications for Medicare Supplement Plan F, your most comprehensive option is Medigap Plan G. The only cost you pay is the Medicare Part B deductible.

Yet, once you factor in the lower average monthly premium for Medicare Supplement Plan G, it is often more cost-efficient to enroll in Plan G over Plan F.

If you are looking for a plan to satisfy your coverage needs in the event of an emergency, then Medicare Supplement Plan N might be suitable for you. When you enroll in Medigap Plan N, you are responsible for the Medicare Part B deductible, copayments of $20-$50 at the doctor and hospital, as well as excess charges.

Excess charges are an additional cost on top of the Medicare agreed amount if your provider does not accept Medicare assignment. Although these charges are rare, if the state you receive services in allows these charges, you could be subject to cover them.

Like most states, Arizona allows excess charges for Medicare beneficiaries, so speak with your doctor before receiving major services.

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How Much Does Medigap Cost in Arizona?

The cost of Medicare Supplement plans in Arizona is dependent upon several factors. These factors can include age, tobacco-use status, location, and sex. Carriers use these factors to determine your monthly premium.

The charts below provide sample premiums for the top three Medigap plans in Arizona. In these examples, both beneficiaries are 65-year-olds answering no to the tobacco-use question on their applications. They both reside within the same Arizona ZIP Code.

However, the first is female, and the second is male. As you will notice, the premiums are lower for the female beneficiary. In Arizona, women may pay lower premiums because, on average, females tend to live longer than males.

65-Year-Old Female, Non-Smoking
Medigap Plan Monthly Premium
Medicare Supplement Plan F $108-$308
Medicare Supplement Plan G $87-$290
Medicare Supplement Plan N $68-$274
65-Year-Old Male, Non-Smoking
Plan Type Premium Cost
Medicare Supplement Plan F $120-$348
Medicare Supplement Plan G $98-$328
Medicare Supplement Plan N $77-$310

Who Can Enroll in Medicare Supplement Plans in Arizona?

Eligibility for Medicare Supplement plans in Arizona starts as soon as you enroll in Medicare Part B. This typically happens on your 65th birthday.

To enroll in a Medigap plan of their choice, beneficiaries will receive a six-month Medigap Open Enrollment Period beginning on the first day of their 65th birth month. During this time, you can enroll in a plan without undergoing medical underwriting. This means a carrier cannot deny you coverage for any reason.

If you miss your Open Enrollment Period, you can still sign up for a plan in Arizona at any time. The caveat is you must undergo medical underwriting, and a carrier may deny you coverage.

While many pre-existing conditions are not an issue, some conditions will automatically cause a carrier to decline someone. However, declines are not standardized. One carrier could deny the policy, and another could approve the coverage.

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Additional Coverage for Medicare Beneficiaries in Arizona

In addition to Medicare Supplement plans in Arizona, the state offers several other coverage options to help offset Medicare-eligible seniors’ healthcare costs.

  • Medicare Advantage plans
  • Dental, vision, and hearing plans
  • Medicare Part D plans

Medicare Advantage plans are an alternative to Original Medicare for beneficiaries who wish to have all their benefits in one plan with a lower monthly premium. Yet, these plans require you to adhere to networks and pay more out-of-pocket each time you go to the doctor. If you choose to enroll in a Medicare Advantage plan, you cannot also enroll in a Medigap plan simultaneously. Hence, it is critical to research your coverage options before enrolling.

Dental, vision, and hearing plans are available in Arizona, which can pair with Original Medicare – whether or not you also have Medigap. Neither Original Medicare nor Medigap cover these services, so enrolling in one of these plans is wise. Policies covering dental, vision, and hearing benefits are essential to Medicare beneficiaries. Carriers such as Aetna, Cigna, and Mutual of Omaha offer these plans.

Lastly, neither Medicare Part A nor Part B covers prescription drugs. Medicare Part D prescription drug plans work together with Original Medicare to help pay for prescription medications.

How to Apply for Medicare in Arizona

Enrolling in a Medicare Supplement plan is not difficult if you have the proper guidance. Working with a licensed agent who has access to multiple plans and carriers is essential in choosing the right coverage for your needs.

You do not need to contact individual carriers for premium rate quotes, and you do not need a Medicare agent who is also in Arizona. We can help you find your ideal coverage! Call the number above or complete our online rate comparison form to obtain your free side-by-side plan comparison from the top carriers in your area today.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medigap Enrollment and Consumer Protections across states. Accessed May 2022.
    https://www.kff.org/medicare/issue-brief/medigap-enrollment-and-consumer-protections-vary-across-states/

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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