Why Medicare in Arizona Is Unique
Arizona offers:
- Highly competitive pricing on both Supplement and Advantage plans
- Top-rated PPO Advantage plans with dental, vision, and hearing coverage
- A large seasonal retiree population, making network flexibility essential
Whether you live in Phoenix, Tucson, Prescott, or Sierra Vista, your zip code plays a big role in what plans you can access—and how much they cost.
Best Medicare Supplement Plans in Arizona for 2025
1. Plan G
- What it covers: Everything except the Part B deductible (sc name=”part-b”][/sc] in 2025)
- Cost: Typically between $100–$200/month, depending on age and zip code
- Why it’s popular: Predictable costs, full nationwide access, and comprehensive coverage
2. Plan N
- Lower premiums than Plan G
- Includes copays for office visits (up to $20) and ER (up to $50)
- No coverage for excess charges
- Cost: Around $80–$150/month
- Best for: Healthy individuals who want to save on premiums but are okay with minor out-of-pocket costs
3. High-Deductible Plan G
- Same benefits as Plan G, but with a $2,870 annual deductible
- Cost: Between $50–$100/month
- Best for: Budget-conscious retirees who want broad coverage with low premiums
- Especially great for snowbirds or those with chronic conditions
Best Medicare Advantage Plans in Arizona for 2025
Looking for $0 premium plans with extra perks? Medicare Advantage might be a good fit.
Arizona Highlights:
- Highly rated PPO Advantage plans, especially in Maricopa and Pima Counties
- Many plans offer:
- $0 monthly premiums
- Dental coverage up to $2,000/year
- Part D prescription coverage
- Gym benefits like SilverSneakers
Pro tip: We recommend PPOs over HMOs for better flexibility. You won’t be tied to referrals or a narrow provider network.
3 Common Medicare Mistakes Arizonans Make
Avoid these missteps that cost retirees thousands:
1. Not Checking Your Doctor’s Network
Especially with Advantage plans, make sure your doctors are in-network before you enroll.
2. Focusing Only on Premiums
The monthly premium isn’t the full story. Always consider:
- Annual out-of-pocket maximums
- Copays
- Prescription costs
3. Assuming All Advantage Plans Are Equal
Plans change every year. Benefits, networks, and costs can shift dramatically.
Always review your coverage annually, especially during Medicare Open Enrollment in the fall.
Recap: What’s the Best Medicare Plan in Arizona?
Here’s a quick guide:
| Plan Type | Best For | Typical Monthly Cost |
|---|---|---|
| Plan G | Maximum coverage, nationwide access | $100–$200 |
| Plan N | Lower premiums with some copays | $80–$150 |
| High-Deductible Plan G | Low premium, high deductible | $50–$100 |
| Advantage PPO | $0 premium, local coverage, added perks | $0 (with varying out-of-pocket costs) |
Don’t forget: If you choose an Advantage plan, consider pairing it with a hospital indemnity or cancer policy to fill potential coverage gaps.
Get Expert Medicare Help—Free
Your Medicare plan choice is one of the most important decisions you’ll make in retirement. Get it right the first time. Call us today at 800-208-4974 to schedule a free consultation.
We’ll help you:
- Compare plan options in your zip code
- Make sure your doctors and prescriptions are covered
- Find the best balance of cost and coverage
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.
