Compare the Best Medigap Plans in Arizona for 2024
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If you’re a Arizona resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Arizona. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Arizona that fits both your financial and healthcare needs has never been easier.
This page provides an overview of the leading Arizona Medicare Supplement plans and insurance companies available in 2024.
Top 3 Best Medigap Plans in Arizona for Comprehensive Coverage
Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Arizona. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.
Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Arizona.
Medigap Plan F in Arizona
For those looking for the highest level of coverage, Medigap Plan F is an excellent option. It covers nearly all Medicare-related expenses, including both Part A and Part B deductibles, making it the best Medicare Supplement plan for those wanting maximum protection. Find out more about the differences between Plan F and Plan G and find out if a High-Deductible Plan F is a good fit for you.
Required Benefits of Plan F in Arizona
Medigap Plan G in Arizona
Medicare Supplement Plan G offers comprehensive coverage, making it a strong alternative to Plan F. While it doesn’t cover the Medicare Part B deductible, it typically comes with lower premiums, making it a coverage option for many Medicare beneficiaries. Learn more about the benefits and drawbacks of Plan G as well as the High-Deductible Plan option.
Required Benefits of Plan G in Arizona
Medigap Plan N in Arizona
Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.
Required Benefits of Plan N in Arizona
Average Costs for Medigap Plans in Arizona
Plan premiums in Arizona can fluctuate depending on several factors, such as the plan you choose, your age, gender, and tobacco usage. Below is a breakdown of the average monthly premiums for the most popular supplemental plans in Arizona:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Key Factors Influencing Medigap Costs in Arizona
The price of Medicare Supplements in Arizona can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in Arizona can impact your premium due to regional cost differences.
If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.
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Compare All Medicare Supplement Plans in Arizona
If you want to see how all Medicare Supplement Insurance plans sold in Arizona stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Arizona and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Arizona
Enrolling in a Medigap plan in Arizona requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Follow these simple steps to get Medicare Supplement coverage in Arizona:
- Review Your Options: Compare the Medigap plans offered in Arizona and select the one that best meets your needs.
- Check Enrollment Dates: Verify that you're in your Initial Enrollment Period, Open Enrollment Period, or qualify for a Special Enrollment Period.
- Apply for Coverage: Contact the insurance company or broker of your choice to apply for the Medigap plan you've selected.
- Confirm Your Enrollment: After your application is accepted, ensure your enrollment is finalized and review the terms of your coverage.
Want more information on how to enroll in Medigap? Check out our comprehensive Medigap Enrollment Guide.
FAQs about Medigap Plans in Arizona
How is Medigap different from Medicare Advantage?
Medigap works alongside Original Medicare to cover gaps in coverage, while a Medicare Advantage plan is an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans later?
Yes, you can switch plans, but medical underwriting may apply unless you qualify for guaranteed issue rights. Learn more about changing Medigap plans.
Does Medigap include prescription drug coverage?
No, Medigap plans don’t cover prescription drugs. You’ll need a separate prescription drug plan, called Medicare Part D for that.
What additional costs will I have with Medigap?
Beyond the monthly premium, you may face deductibles, copayments, and coinsurance, depending on your plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023