Top Medicare Part D Plans in Arizona for 2024
We reviewed the 21 top Medicare Part D Plans in Arizona for 2024. Here's what we found:
Key Facts
- The average premium is $57.81 per month, however the lowest premium is just $0.00.
- The average drug plan deductible is $380 per year, but 3 plans have a zero-dollar deductible.
- Medicare rated 0% of all plans available in Arizona 4 stars or higher.
- There are 8 basic benefit plans and 13 enhanced benefit plans.
- A total of 4 plans offer full low-income subsidy (LIS) for those who qualify.
- There are 5 plans that have additional coverage in the coverage gap phase (aka, "donut hole").
- 2024 Medicare Prescription Drug Plans (PDP) will be published in early October. Sign-up to be notified.
We also ranked the best Medicare Advantage plans with Part D in Arizona for 2024.
Arizona Medicare Part D Plans
Plan Name | Premium | Deduct. | Benefit | LIS | Gap | Rating |
---|---|---|---|---|---|---|
AARP Medicare Rx Basic from UHC | $39.30 | $545 | Basic | Yes | No | |
AARP Medicare Rx Preferred from UHC | $98.20 | $0 | Enhanced | No | No | |
AARP Medicare Rx Walgreens from UHC | $47.10 | $410 | Enhanced | No | Yes | |
Blue MedicareRx Enhanced | $158.60 | $0 | Enhanced | No | No | |
Blue MedicareRx Value | $52.70 | $545 | Basic | No | No | |
Cigna Extra Rx | $73.00 | $145 | Enhanced | No | Yes | |
Cigna Saver Rx | $11.70 | $545 | Enhanced | No | No | |
Cigna Secure Rx | $42.20 | $545 | Basic | Yes | No | |
Clear Spring Health Value Rx | $26.70 | $545 | Basic | Yes | No | |
Humana Basic Rx Plan | $45.60 | $545 | Basic | No | No | |
Humana Premier Rx Plan | $103.10 | $200 | Enhanced | No | Yes | |
Humana Walmart Value Rx Plan | $33.60 | $545 | Enhanced | No | Yes | |
Mutual of Omaha Rx Essential | $22.90 | $545 | Enhanced | No | No | |
Mutual of Omaha Rx Plus | $103.20 | $545 | Basic | No | No | |
Mutual of Omaha Rx Premier | $67.50 | $349 | Enhanced | No | No | |
SilverScript Choice | $50.40 | $545 | Basic | No | No | |
SilverScript Plus | $112.10 | $200 | Enhanced | No | Yes | |
SilverScript SmartSaver | $9.90 | $280 | Enhanced | No | No | |
Wellcare Classic | $37.30 | $545 | Basic | Yes | No | |
Wellcare Medicare Rx Value Plus | $78.90 | $0 | Enhanced | No | No | |
Wellcare Value Script | $0.00 | $400 | Enhanced | No | No |
Please note that 2024 Medicare Part D plan information for Arizona beneficiaries will not be available until early October.
Sign-Up for 2024 Medicare Part D Plan Notification
Every Part D Plan in Arizona Has 4 Cost Phases
Arizona Medicare prescription drug plans help beneficiaries pay for their prescription medications. If you are new to Medicare, some of the Part D plan concepts may be foreign to you. So we'll start with an overview of the four cost-sharing phases.
Phase 1 is the Deductible
Prior to a plan paying any of your prescription costs, you are required to pay the annual deductible. So, if you enroll in a 2024 plan with a $400 deductible, you'll spend $400 out-of-pocket before coverage begins. Most Medicare Part D plans have a deductible, but some plans exclude Tier 1 (generics), offering immediate coverage on low-cost medications.
NOTE: $505 is the maximum deductible a plan can have in 2024.
The 2nd Phase is the Initial Coverage Limit (ICL)
The Part D ICL (Initial Coverage Limit) for 2024 is $4,660. During the ICL phase, your Part D plan will cover the majority of your prescription costs. If your prescription costs exceed $4,660 you go into the coverage gap phase ("donut hole")
Phase 3 is the Coverage Gap
After your gross drug costs have reached $4,660, you will enter the Coverage Gap phase. This is where you will pay 25% of your medication's retail cost. While the price of generic drugs might not be much different, what you pay for brand-name drugs will be higher (because you're paying 25% of the full price). This will continue until you reach $7,400 in True Out Of Pocket Costs (TrOOP).
Some plans offer additional gap coverage, so look for it on the plan information pages.
The Fourth Phase is Catastrophic Coverage
All Part D plans offer catastrophic coverage once you have paid $7,400 in true out-of-pocket costs for covered drugs. This amount includes the cost of covered drugs as well as some additional costs. In the catastrophic coverage phase, your copays or coinsurance will be significantly lower for the remainder of the year.
The out-of-pocket costs that help you get catastrophic coverage include:
- Your plan's deductible;
- What you paid during the initial coverage limit period;
- Most of the full cost of brand-name drugs (and the manufacturer’s discount) purchased in the coverage gap;
- The amount paid by others, including family members, most charities, and other persons on your behalf; and
- The amount paid by State Pharmaceutical Assistance Programs (SPAPs), AIDS Drug Assistance Programs, and the Indian Health Service.
The Lowest Premium May Not Be the Lowest Overall Cost
Evaluate Part D Medicare plans wisely. If you have a regular prescription or two, we suggest that you verify that the plan you want offers your medication(s) at a good price. You find this information in the formulary. We post links to the formulary and pharmacy web pages, as well as the plan's phone number, on each of the PDP pages listed above.
VITAL: Identifying the best Medicare Part D Plans requires research. What works the best for you is all about your regular prescriptions (if any), your health, and what you can afford.
Medicare Part D is Included in Most Medicare Advantage Plans
There's more than one way to get prescription drug coverage with your Medicare benefits. The first way is by enrolling in one of the Medicare prescription drug plans available in Arizona. The second way is to get prescription coverage through one of the many Arizona Medicare Advantage Plans that include Part D benefits. Most Medicare Advantage plans available in Arizona include Part D as an additional benefit.
Combining a Medicare Supplement and Medicare Part D Benefits
Medicare does not pay for all of your hospitalization and medical bills. In fact, Original Medicare only covers about 80 percent of your major medical costs. We keep an up-to-date directory of Arizona Medigap Plans, also called Medicare Supplements, with the tools you need to find the best price and coverage. Medicare Part D plans are fully compatible with Arizona Medigap plans.
Arizona Medicaid and Your Medicare Part D
In Arizona, if you are eligible for both Medicare and Medicaid (aka, "dual eligible" or "Medi-Medi") you will automatically be enrolled in a Arizona Medicare Prescription Drug Plan and the Social Security Extra Help program. Extra Help pays for most of the costs of your prescriptions if you meet the eligibility requirements. You may also enroll in a plan of your own choosing that better meets your needs. If you qualified for Medicaid before you were eligible for Medicare, contact your local Medicaid office.
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, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
Citations & References
- Medicare.gov, "How to get prescription drug coverage", Last Accessed September 3, 2022
- Medicare.gov, "How Part D works with other insurance", Last Accessed July 14, 2022
- Medicare.gov, "Catastrophic coverage", Last Accessed June 13, 2022
- Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed June 7, 2022
- SSA.gov, "Extra Help with Medicare Prescription Drug Plan Costs", Last Accessed June 1, 2022
- CMS.gov, "Landscape Source Files", Last Accessed January 15, 2023
- CMS.gov, "Medicare Part C & D Performance", Last Accessed January 15, 2023