Top Medicare Advantage Plans in Arizona for 2024
Find Plans in your area with your ZIP Code
2024 Medicare Advantage Open Enrollment Begins October 15
Be the first to know about the best new plans in Arizona for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.
Arizona's Finest Medicare Advantage Plans: How to Find Yours
Are you considering enrolling in a 2024 Medicare Advantage plan in Arizona? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Arizona, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.
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Comparing the Leading Medicare Advantage Plans in Arizona
Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Arizona based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)
There are no 5-star plans in Arizona in 2023. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Arizona come from:
- Humana
- UnitedHealthcare
MedicareWire recommends that you evaluate the plans offered by these Arizona health insurance companies, before all others, for this single reason. More stars awarded by CMS typically means members get better results. So, for instance, five-star plan members might receive better service, phone support, and care than those who have a four-star plan.
TIP: Everyone's personal situation is different. And so are Arizona's Medicare Advantage plans. That's why it is so important to understand Medigap vs Medicare Advantage plans.
Complete List of Arizona's MA Plan Companies
Approximately 16 health insurance providers offer Medicare Advantage plans in Arizona, including:
- Aetna Medicare
- Alignment Health Plan
- Amerigroup
- Amerigroup Insurance Company
- Banner Health Plan
- Blue Cross Blue Shield of Arizona
- Cigna
- Devoted Health
- Humana
- Imperial Insurance Companies
- Lasso Healthcare
- Magellan Health
- SCAN Desert Health Plan
- UnitedHealthcare
- Wellcare
- Wellcare by Allwell
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 |
|---|---|---|---|---|---|
| Humana | H5216-198 | HumanaChoice H5216-198 (PPO) | $30.00 | $4,900 | 4.5 |
| Humana | H5216-260 | HumanaChoice H5216-260 (PPO) | $0.00 | $7,550 | 4.5 |
| Humana | H5216-263 | HumanaChoice H5216-263 (PPO) | $0.00 | $5,300 | 4.5 |
| Humana | H5216-197 | Humana Value Plus H5216-197 (PPO) | $36.30 | $7,550 | 4.5 |
| Humana | H5216-335 | HumanaChoice H5216-335 (PPO) | $96.00 | $2,900 | 4.5 |
| Humana | H5216-137 | HumanaChoice H5216-137 (PPO) | $0.00 | $7,350 | 4.5 |
| Humana | H5216-224 | HumanaChoice H5216-224 (PPO) | $23.00 | $3,900 | 4.5 |
| Humana | H5216-265 | HumanaChoice H5216-265 (PPO) | $0.00 | $4,500 | 4.5 |
| Humana | H5216-338 | Humana USAA Honor with Rx (PPO) | $0.00 | $6,100 | 4.5 |
| Humana | H5216-034 | HumanaChoice H5216-034 (PPO) | $118.00 | $7,550 | 4.5 |
| UnitedHealthcare | H5253-036 | AARP Medicare Advantage (HMO-POS) | $52.00 | $3,900 | 4.5 |
| UnitedHealthcare | H5253-035 | AARP Medicare Advantage Plus (HMO-POS) | $15.00 | $4,300 | 4.5 |
| Cigna | H0354-028 | Cigna Alliance Medicare (HMO) | $0.00 | $2,500 | 4.0 |
| Cigna | H0354-001 | Cigna Preferred Medicare (HMO) | $0.00 | $2,300 | 4.0 |
| Cigna | H0354-029 | Cigna Preferred Savings Medicare (HMO) | $0.00 | $3,100 | 4.0 |
| Devoted Health | H8173-013 | Devoted GIVEBACK Arizona (HMO) | $0.00 | $3,900 | 4.0 |
| Devoted Health | H8173-007 | Devoted CORE Arizona (HMO) | $0.00 | $4,000 | 4.0 |
| Devoted Health | H8173-008 | Devoted SELECT Arizona (HMO) | $25.20 | $4,000 | 4.0 |
| Humana | H0028-024 | Humana Gold Plus H0028-024 (HMO) | $0.00 | $4,900 | 4.0 |
| Humana | H0028-021 | Humana Gold Plus H0028-021 (HMO) | $0.00 | $2,400 | 4.0 |
| Humana | H0028-052 | Humana Gold Plus H0028-052 (HMO) | $0.00 | $2,800 | 4.0 |
| Humana | H0028-028 | Humana Gold Plus H0028-028 (HMO) | $0.00 | $5,500 | 4.0 |
| Humana | H0028-027 | Humana Gold Plus H0028-027 (HMO) | $0.00 | $3,400 | 4.0 |
| Humana | H0028-023 | Humana Gold Plus H0028-023 (HMO) | $41.00 | $6,700 | 4.0 |
| UnitedHealthcare | H2228-094 | AARP Medicare Advantage Choice Plan 2 (PPO) | $0.00 | $5,600 | 4.0 |
| UnitedHealthcare | H2228-074 | AARP Medicare Advantage Walgreens Plan 1 (PPO) | $0.00 | $4,500 | 4.0 |
| UnitedHealthcare | H2228-077 | AARP Medicare Advantage Walgreens Plan 2 (PPO) | $0.00 | $5,400 | 4.0 |
| UnitedHealthcare | H2228-097 | AARP Medicare Advantage Walgreens Plan 3 (PPO) | $25.00 | $3,500 | 4.0 |
| UnitedHealthcare | H2228-076 | AARP Medicare Advantage Choice Plan 1 (PPO) | $34.00 | $5,100 | 4.0 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Arizona County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Arizona by County
Choose your Arizona County below to see the best (and the worst) plans.
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Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Arizona
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
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. Evaluate Your Prescription Costs
Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Arizona Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
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!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What are the disadvantages of a Medicare Advantage plan?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
Do Medicare Advantage plans pay 100% of all costs?
A Medicare Advantage plan in Arizona costs an average of $11.16. 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 is every Medicare Advantage plan required to include?
All Medicare Advantage plans offered in Arizona must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "CMS Releases 2023 Medicare Advantage and Part D Star Ratings", Last Accessed October 6, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", 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 January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
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