Best Medicare Supplement Plans in Arizona
Medicare Supplement plans in Arizona help cover medical expenses that the federal government's Original Medicare plan does not cover.
There are ten Medicare Supplement plans to choose from.
- Of the ten plans offered in 2024, we found Cigna offers the best Medicare Supplement Plan G rates, coming in at $129 per month for the most comprehensive coverage.
- Cigna also offers the best Medicare Supplement Plan N rates at $92 per month; for those that want the best value without compromising coverage.
- And for those wanting the lowest possible monthly premium at $47 per month, Cigna's High Deductible Plan G is significantly cheaper with the same benefits as Medicare Plan G. A deductible of $2,700 needs to be met before this plan will cover costs.
Below is a highlight of the features and benefits of each plan.
Cigna Medicare Supplement Plan G
- Cigna Medicare Plan G provides comprehensive coverage, making it the ideal plan for those looking for the most protection.
With Plan G, you'll be able to take advantage of many benefits, such as:
- Coverage for Part B excess fees, the Medicare Part A deductible and all coinsurance costs associated with Part B.
- No required referrals.
- Access to any medical provider who accepts Original Medicare.
Plan Cost: $129
*Quotes for a 65 year old non smoking female living in zip code 85142 Arizona
Cigna High-Deductible Plan G
- Cigna High-Deductible Plan G coverage mirrors the conventional Plan G, with one notable difference - an initial deductible of $2,700 must be satisfied before this coverage takes effect.
- When compared to Plan G, this monthly premium is a much more cost-effective option.
Plan Cost: $47
*Quotes for a 65 year old non smoking female living in zip code 85142 Arizona
Cigna Medicare Supplement Plan N
- Compared to Medicare Plan F and G, Cigna Medicare Plan N is a great option for those looking to save on premiums.
Cigna Plan N benefits include, but are not limited to:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Plan Cost: $92
*Quotes for a 65 year old non smoking female living in zip code 85142 Arizona
Cigna Medicare Supplement Plan F
- For those that are looking for the most inclusive coverage, Cigna Medicare Plan F is the best option. It not only covers the Part A deductible and Part B deductible but also all coinsurances.
- In order to qualify as a beneficiary, you must be enrolled in Original Medicare prior to January 1st 2020.
Plan Cost: $151
*Quotes for a 65 year old non smoking female living in zip code 85142 Arizona
What's the Best Medicare Supplement Company in Arizona?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Arizona.
While Cigna Medigap plans tend to be more affordable in Arizona, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Cigna that are also available in Arizona, including sample premiums, ratings, and market share:
Cigna
Market share: 1.73%
Plan G cost: $129
Plan N cost: $92
Financial strength: A
Mutual of Omaha
Market share: 10.29%
Plan G cost: $139
Plan N cost: $98
Financial strength: A+
Aetna
Market share: 10.98%
Plan G cost: $133
Plan N cost: $96
Financial strength: A
United Healthcare
Market share: 43.21%
Plan G cost: $125
Plan N cost: $90
Financial strength: A
How Much Does a Medigap Plan Cost in Arizona?
The best price for Medicare Supplement Plan G in Arizona is $129 per month with Cigna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$151
$129
$92
$47
$122
$39
Plan Popularity in Arizona
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Arizona for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
Your Open Enrollment Period is the best time to enroll in a Medicare Supplement Plan. This period is six months long and starts the first month you have Medicare Part B coverage and are 65 or older.
The 6-month enrollment period cannot be postponed or repeated. Medicare beneficiaries receive the best rates and plans in these six months and have guaranteed issue rights, which means the Medicare insurance company cannot deny coverage or increase prices, even if beneficiaries have pre-existing conditions. Attempting to enroll in a Medigap policy outside of open-enrollment periods result in higher prices, medical underwriting, or coverage denial altogether.
When Under 65
Several states allow beneficiaries under the age of 65 to purchase a Medigap policy if they have a disability or ESRD (end-stage renal disease). However, these plans often cost more.
Special Enrollment Periods
There are a few times when Arizona seniors have guaranteed issue rights outside of Open Enrollment:
- You retire from or lose group coverage
- You lose a Medicare Advantage plan
- You have a Medicare SELECT insurance policy and switch to a Medigap policy within 12 months.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Cigna Medicare Supplement plan G, Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
Top-rated Medicare Supplement providers include Aetna, Cigna, UnitedHealthcare, and more. Each of these companies offers different levels of coverage and benefits that can help ensure you get the best care possible.
Monthly premiums range from $50 to $220, with some plans potentially costing up to $400 or more monthly. The particular plan and coverage selected can affect the overall cost and details like the individual's age, gender, and where they live.
Plan G and Plan N are the two most popular plans in Arizona. Plan G is the most comprehensive option, covering all but a few out-of-pocket costs.
If you miss the Medigap Open Enrollment Period and do not qualify for guaranteed issue rights, an insurer may deny coverage under Medigap based on your health conditions. The only exception is when a beneficiary qualifies for guaranteed issue rights during a special enrollment period.
Changing Medigap plans can be done at any point. However, when switching plans outside of the initial enrollment period, you could be denied coverage or have your rates increased due to a health condition or medical issues.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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