Best Medicare Advantage Plans in Arizona 2024
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About 1.4 million people in Arizona are signed up for Medicare, placing it in the top 20 U.S. states for Medicare beneficiaries.
Medicare is the federal health insurance program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private companies. It offers all the same benefits and usually some extras, such as cost savings on dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they have less flexibility since you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.
Compare Medicare Advantage plans in Arizona
What to know about Medicare in Arizona
Over 1 in 5 people in Arizona are 65 and older, and there is a variety of Medicare Advantage plans in the state.
The average monthly premium in 2024 for a Medicare Advantage plan in Arizona is $12.14. (It was $11.93 in 2023.)
There are 155 Medicare Advantage plans available in Arizona in 2024. (There were 157 plans in 2023.)
All Medicare-eligible people in Arizona have access to a $0-premium Medicare Advantage plan.
Medicare Advantage companies in Arizona
The following providers offer Medicare Advantage plans in Arizona:
Banner Medicare.
EternalHealth.
Gold Kidney Health Plan.
Wellpoint (previously Amerigroup).
Top-rated Medicare Advantage plans in Arizona
Each year, the Centers for Medicare & Medicaid Services (CMS) awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with at least one plan that received top marks in Arizona for the 2024 plan year. (Get more information about Medicare star ratings.)
4.5-star plans
There are no 5-star-rated plans available in Arizona for the 2024 plan year. The companies below offer plans in Arizona that are rated 4.5 stars out of 5 by CMS:
Humana.
UnitedHealthcare.
4-star plans
The companies below offer plans in Arizona that are rated 4 stars out of 5 by CMS:
Aetna Medicare.
Blue Cross Blue Shield of Arizona (AZ Blue).
Cigna.
Devoted Health.
Humana.
UnitedHealthcare.
Medicare resources in Arizona
Arizona Department of Economic Security: Provides information on Medicare assistance, including the State Health Insurance Assistance Program, or SHIP.
Arizona Health Care Cost Containment System: Offers help paying your Medicare costs if you meet low-income requirements.
Arizona Department of Health Services: Provides information on various health topics.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Medicare Advantage companies
Get more information below about some of the major Medicare Advantage companies. These insurance companies offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Methodology
Medicare Advantage Plan Review Methodology
The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.
NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.
This roundup includes only insurers that sell Medicare Advantage in Arizona.
