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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated May 24, 2025

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Medicare Advantage
 » 
Arizona
 » 
Maricopa County

Guide to Medicare Advantage Plans in Maricopa County, AZ for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 62 Medicare Advantage plans available in Maricopa County, AZ for the 2025 plan year, including 53 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Maricopa County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. AARP Medicare Advantage from UHC AZ-002P (HMO-POS) — 38,556 enrollees
    2. Humana Gold Plus H0028-074 (HMO) — 35,324 enrollees
    3. Cigna Alliance Medicare (HMO) — 30,593 enrollees
  • Average Monthly Premium: $4.34
  • Average Maximum Out-of-Pocket Limit: $4,698
  • Average Prescription Drug Deductible: $286.51
  • Ratings (Plan Mix): 4+ Stars: 36% · 3 Stars: 60% · Below 3: 4%
  • Plan Type Breakdown 13 HMO-POS · 20 PPO · 27 HMO · 2 REGIONAL PPO

Maricopa County, Arizona Medicare Advantage Plans

Medicare Advantage Plans in Maricopa County, AZ for 2024
Plan Name Type Premium MOOP Rx Ded. Rating
AARP Medicare Advantage Essentials from UHC AZ-2* HMO-POS $0 $2,900 $340
☆☆☆☆☆
AARP Medicare Advantage Extras from UHC AZ-5* HMO-POS $0 $3,700 $420
☆☆☆☆☆
AARP Medicare Advantage from UHC AZ-0003* HMO-POS $42 $2,900 $340
☆☆☆☆☆
AARP Medicare Advantage from UHC AZ-002P* HMO-POS $0 $2,900 $340
☆☆☆☆☆
Aetna Medicare Eagle* PPO $0 $4,900 N/A
☆☆☆☆☆
Aetna Medicare Elite* PPO $0 $4,500 $590
☆☆☆☆☆
Aetna Medicare Freedom* PPO $0 $4,900 $590
☆☆☆☆☆
AARP Medicare Advantage from UHC AZ-0006 PPO $0 $4,900 $420
☆☆☆☆☆
AARP Medicare Advantage Giveback from UHC AZ-9 PPO $0 $5,900 $495
☆☆☆☆☆
AARP Medicare Advantage Patriot No Rx AZ-MA01 PPO $0 $4,900 N/A
☆☆☆☆☆
Cigna Alliance Medicare HMO $0 $2,300 $0
☆☆☆☆☆
Cigna Preferred Full Savings Medicare HMO $0 $6,800 $0
☆☆☆☆☆
Cigna Preferred Medicare HMO $0 $2,900 $0
☆☆☆☆☆
Cigna Preferred Savings Medicare HMO $0 $3,300 $0
☆☆☆☆☆
Devoted CORE Arizona HMO $0 $5,900 $590
☆☆☆☆☆
Devoted EXTRA Arizona HMO $0 $5,900 $590
☆☆☆☆☆
Devoted GIVEBACK Arizona HMO $0 $9,350 $590
☆☆☆☆☆
Devoted LIBERTY Arizona HMO $0 $5,900 N/A
☆☆☆☆☆
Devoted PRIME Arizona HMO $3 $5,900 $590
☆☆☆☆☆
Devoted SELECT Arizona HMO $3 $5,900 $590
☆☆☆☆☆
Aetna Medicare Platinum HMO-POS $0 $4,900 $590
☆☆☆☆☆
Aetna Medicare Prime HMO-POS $0 $2,500 $590
☆☆☆☆☆
Aetna Medicare Prime Value Plus HMO-POS $7 $2,500 $590
☆☆☆☆☆
Alignment Health smartHMO HMO $0 $3,900 $590
☆☆☆☆☆
Alignment Health the ONE + Walgreens HMO $0 $3,499 $0
☆☆☆☆☆
Banner Medicare Advantage Prime HMO $0 $2,995 $0
☆☆☆☆☆
Blue Best Life Classic HMO $0 $2,800 $0
☆☆☆☆☆
Blue Best Life Plus HMO $28 $2,500 $0
☆☆☆☆☆
Humana Gold Plus H0028-023 HMO $17 $6,700 $225
☆☆☆☆☆
Humana Gold Plus H0028-027 HMO $0 $4,600 $0
☆☆☆☆☆
Humana Gold Plus H0028-028 HMO $0 $6,200 $225
☆☆☆☆☆
Humana Gold Plus H0028-074 HMO $0 $2,900 $0
☆☆☆☆☆
Humana USAA Honor Giveback PPO $0 $4,900 N/A
☆☆☆☆☆
Humana USAA Honor Giveback with Rx PPO $0 $6,750 $0
☆☆☆☆☆
HumanaChoice Giveback H5216-371 PPO $0 $6,500 $0
☆☆☆☆☆
HumanaChoice Giveback H5216-435 PPO $0 $7,850 $0
☆☆☆☆☆
HumanaChoice H5216-034 PPO $116 $7,650 $400
☆☆☆☆☆
HumanaChoice H5216-224 PPO $11 $4,150 $250
☆☆☆☆☆
HumanaChoice H5216-265 PPO $0 $4,800 $300
☆☆☆☆☆
HumanaChoice H5216-439 PPO $0 $6,750 $300
☆☆☆☆☆
HumanaChoice R7220-001 Regional PPO $0 $5,600 N/A
☆☆☆☆☆
HumanaChoice R7220-002 Regional PPO $43 $7,900 $590
☆☆☆☆☆
SCAN Classic HMO $0 $2,800 $0
☆☆☆☆☆
SCAN MyChoice HMO $0 $2,800 $0
☆☆☆☆☆
SCAN Venture HMO $0 $2,999 $0
☆☆☆☆☆
Aetna Medicare Premier HMO-POS $0 $4,700 $590
☆☆☆☆☆
Aetna Medicare Prime Plus HMO-POS $0 $4,150 $590
☆☆☆☆☆
Cigna True Choice Medicare PPO $0 $4,950 $0
☆☆☆☆☆
Cigna True Choice Savings Medicare PPO $0 $6,000 $0
☆☆☆☆☆
Wellcare Giveback HMO $0 $4,400 $420
☆☆☆☆☆
Wellcare Simple HMO $0 $2,500 $420
☆☆☆☆☆
Wellcare Simple Value HMO $0 $2,500 $420
☆☆☆☆☆
Wellpoint Medicare Advantage HMO-POS $0 $3,000 $0
☆☆☆☆☆
Wellcare Patriot Giveback Open PPO $0 $5,000 N/A
☆☆☆☆☆
Wellcare Simple Open PPO $0 $6,000 $420
☆☆☆☆☆
Devoted CHOICE Arizona PPO $0 $5,900 $590
☆☆☆☆☆
Devoted LIBERTY CHOICE Arizona PPO $0 $5,900 N/A
☆☆☆☆☆
EternalHealth Grand Give Back HMO $0 $4,550 $400
☆☆☆☆☆
EternalHealth Horizon HMO $0 $3,350 $200
☆☆☆☆☆
EternalHealth Valor Give Back HMO-POS $0 $5,500 N/A
☆☆☆☆☆
Gold Advantage HMO-POS $0 $3,400 $0
☆☆☆☆☆
Gold Loyalty HMO-POS $0 $5,500 N/A
☆☆☆☆☆
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages.
📊 At a Glance: Medicare Advantage in Maricopa County
Average Monthly Premium
$4.34
Plans with $0 Premium
53
Average MOOP Limit
$4,698 ($9,350 max. in 2025)
Average Rx Deductible
$286.51
Plans Without Drug Coverage
4 (standalone Arizona Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 36% · 3 Stars: 60% · Below 3: 4%
Plans Available
62 (excluding Maricopa County SNP plans)
Plan Type Breakdown
13 HMO-POS · 20 PPO · 27 HMO · 2 REGIONAL PPO
Countywide Enrollments
276,897 (excluding SNP plans)
Top 3 Plans by Enrollment
1. AARP Medicare Advantage from UHC AZ-002P (HMO-POS) — 38,556 enrollees
2. Humana Gold Plus H0028-074 (HMO) — 35,324 enrollees
3. Cigna Alliance Medicare (HMO) — 30,593 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Maricopa County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Maricopa County looking for something more than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Maricopa County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers. There are 145,261 residents enrolled in HMO plans in this county. The most popular plan is Humana Gold Plus H0028-074 .

🔓 Preferred Provider Organization (PPO)

A PPO allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses. There are 48,989 Maricopa County residents enrolled in PPO plans. The most popular of these plans by enrollments is AARP Medicare Advantage from UHC AZ-0006 .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 82,361 residents enrolled in HMO-POS plans in this Maricopa County. The most popular plan by enrollments is AARP Medicare Advantage from UHC AZ-002P .

If you qualify for Original Medicare or Medicare Advantage in Maricopa County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Enrolling in a Medicare Advantage Plan can offer significant benefits compared to Original Medicare. These plans provide all-in-one coverage, including hospital and medical insurance, and often come with added perks like drug coverage, dental care, and wellness programs. With a Medicare Advantage Plan, you can access a wider range of services while potentially reducing your overall healthcare costs.

Below are some of the key benefits you can enjoy in Maricopa County with a Medicare Advantage Plan:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Choosing the right Medicare Advantage Plan out of the 62 plans available in Maricopa County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Maricopa County.

📅 Initial Enrollment Period (IEP)

This is your first opportunity to enroll in a Medicare Advantage Plan when you first become eligible for Medicare. Your Initial Enrollment Period lasts for seven months, starting three months before your 65th birthday.

🗓️ Annual Enrollment Period (AEP)

Occurs every year from October 15 to December 7. During the Annual Enrollment Period, you can switch, drop, or join a Medicare Advantage Plan.

🔁 Open Enrollment Period (OEP)

From January 1 to March 31, you can switch Medicare Advantage plans or return to Original Medicare if you’re already enrolled in a Medicare Advantage Plan.

For more detailed information on the enrollment periods and how to enroll, visit our comprehensive guide on Medicare Advantage Plan Enrollment.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Maricopa County?

Based on the 2025 plan data, PPO plans are the most common in Maricopa County. The full breakdown of plan types is: 13 HMO-POS · 20 PPO · 27 HMO · 2 REGIONAL PPO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Maricopa County is $4,698 for 2025.

Do any Medicare Advantage plans in Maricopa County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Maricopa County for the 2025 plan year. However, 36% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Maricopa County?

The average monthly premium for Medicare Advantage plans in Maricopa County is $4.34. A total of 53 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H0609 026, H0609 046, H0609 044, H0609 027, H5521 329, H5521 363, H5521 554, H2406 061, H2406 064, H2406 077, H0354 028, H0354 030, H0354 001, H0354 029, H8173 001, H8173 020, H8173 019, H8173 005, H8173 021, H8173 002, H3931 129, H3931 092, H3931 176, H3443 005, H3443 001, H5843 001, H0302 006, H0302 001, H0028 023, H0028 027, H0028 028, H0028 074 1, H5216 436 1, H5216 338, H5216 371, H5216 435 1, H5216 034, H5216 224, H5216 265, H5216 439, R7220 001, R7220 002, H1822 001, H1822 007, H1822 004, H4835 002, H4835 001, H7849 065, H7849 066, H0351 064, H0351 063, H0351 065, H1423 009, H8553 002, H8553 001, H6586 001, H6586 005, H3551 002, H3551 001, H3551 003, H4869 005, H4869 009

Plan Availability

The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Aguila, Avondale, Buckeye, Carefree, Cave Creek, Chandler, El Mirage, Fort McDowell, Fountain Hills, Gila Bend, Gilbert, Glendale, Goodyear, Laveen, Litchfield Park, Luke Air Force Base, Mesa, Morristown, New River, Paradise Valley, Peoria, Phoenix, Queen Creek, Rio Verde, Scottsdale, Sun City, Sun City West, Surprise, Tempe, Tolleson, Tonopah, Waddell, Wickenburg, Wittmann, Youngtown, and all other areas of Maricopa County, Arizona, including the following zip codes: 85001, 85002, 85003, 85004, 85005, 85006, 85007, 85008, 85009, 85010, 85011, 85012, 85013, 85014, 85015, 85016, 85017, 85018, 85019, 85020, 85021, 85022, 85023, 85024, 85026, 85027, 85028, 85029, 85030, 85031, 85032, 85033, 85034, 85035, 85036, 85037, 85038, 85040, 85041, 85042, 85043, 85044, 85045, 85046, 85048, 85050, 85051, 85053, 85054, 85060, 85061, 85062, 85063, 85064, 85066, 85067, 85068, 85069, 85070, 85071, 85072, 85074, 85076, 85078, 85079, 85080, 85082, 85083, 85085, 85086, 85087, 85120, 85127, 85139, 85142, 85201, 85202, 85203, 85204, 85205, 85206, 85207, 85208, 85209, 85210, 85211, 85212, 85213, 85214, 85215, 85216, 85224, 85225, 85226, 85233, 85234, 85236, 85244, 85246, 85248, 85249, 85250, 85251, 85252, 85253, 85254, 85255, 85256, 85257, 85258, 85259, 85260, 85261, 85262, 85263, 85264, 85266, 85267, 85268, 85269, 85271, 85274, 85275, 85277, 85280, 85281, 85282, 85283, 85284, 85285, 85286, 85287, 85288, 85295, 85296, 85297, 85298, 85299, 85301, 85302, 85303, 85304, 85305, 85306, 85307, 85308, 85309, 85310, 85311, 85312, 85318, 85320, 85321, 85322, 85323, 85326, 85327, 85329, 85331, 85333, 85335, 85337, 85338, 85339, 85340, 85342, 85343, 85345, 85351, 85353, 85354, 85355, 85358, 85361, 85363, 85372, 85373, 85374, 85375, 85376, 85377, 85378, 85379, 85380, 85381, 85382, 85383, 85385, 85387, 85388, 85390, 85392, 85395, 85396, 85545.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • UHC.com, "What are Special Needs Plans?", Last Accessed 19 March, 2025
  • Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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