2025 Guide to Medicare Advantage Plans in Arizona
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Uncovering the Top Medicare Advantage Plans in Arizona
If you are thinking about getting out of Original Medicare and into a Medicare Advantage plan available in Arizona, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Arizona, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
Unveiling the Standout Medicare Advantage Plans in Arizona
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Arizona's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
There are no 5-star plans in Arizona in 2025. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Arizona come from:
We recommend evaluating the health plans from these Arizona health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Arizona. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Arizona's MA Plan Companies
Arizona has 14 providers that offer Medicare Advantage plans. They include:
- Aetna Medicare
- Alignment Health Plan
- Banner Medicare Advantage
- Blue Cross Blue Shield of Arizona (AZ Blue)
- Cigna Healthcare
- Devoted Health
- eternalHealth
- Gold Kidney Health Plan
- Humana
- SCAN Health Plan
- UnitedHealthcare®
- Wellcare
- Wellcare by Allwell
- Wellpoint
Arizona's Top-Rated Plans
According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Arizona:
Top Medicare Advantage Plans in Arizona
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
Whether or not you can join a plan from one of the top-rated providers depends on where you live. If your Arizona County has the plan you want, and you qualify, you can enroll. Medicare Advantage plans are regional. Generally speaking, larger urban areas have more plan options than rural areas.
Top-Rated Medicare Advantage Plans in Arizona by County
Choose your Arizona County below to see the best (and the worst) plans.
Strategies for Choosing the Optimal Medicare Advantage Plan in Arizona
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Examine Your Projected Utilization Needs
Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.
2. Examine Your Prescription Medication Expenses
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Arizona Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Arizona shoppers, finding a plan that their doctors accept is exhausting. We can help!
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Next Steps
Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Arizona?
A Medicare Advantage plan in Arizona costs an average of $nan. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.
What do Medicare Advantage plans include?
Approved Medicare Advantage plans sold in Arizona must, at a minimum, cover everything that's in Original Medicare. But plans do not have to cover healthcare services at the same cost as Original Medicare. For example, Medicare Part A covers about 80% of hospital stays, skilled nursing care, home health care, and hospice care. Whereas Part B provides coverage for about 80% of outpatient services, including lab tests and doctor visits. Medicare Advantage plans set their own copays and deductibles, and often charge more than 20%. However, plans have an annual limit and Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024
For details on how we research, analyze, and construct plan information for Arizona using CMS data, see our Medicare Plan Research Methodology.