Best Medicare Supplement Plans Phoenix

Compare affordable Medicare Plans

Russell Noga
by Russell Noga | Updated March 4th, 2024

Looking for Medicare supplement plans in Phoenix? Get straight-to-the-point information on Medigap costs, benefits, and how to select the right plan. We analyze popular options, offer insights on provider comparisons, and break down enrollment details. With our focused guide, make an informed decision quickly and confidently.


Key Takeaways

  • Medicare Supplement Plans in Phoenix, also known as Medigap, are essential for covering out-of-pocket expenses and services not included in Original Medicare, providing benefits such as dental and vision coverage.
  • Plan F and Plan G are the most popular Medicare Supplement Plans in Phoenix due to their extensive coverage, but various types including Plan A, Plan G, and Plan N are available to cater to different needs and preferences.
  • The costs of Medicare Supplement Plans in Phoenix are influenced by multiple factors including age, health status, gender, smoking habits, and location, with premium rates varying widely among providers and plans.


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Understanding Medicare Supplement Plans in Phoenix


Understanding Medicare Supplement Plans in Phoenix


Have you ever wondered about the gaps in your Original Medicare coverage? Medicare Supplement Plans, also known as Medigap, are here to fill those gaps. These are additional insurance policies offered by private companies, designed to assist in covering expenses not included in Original Medicare. Medicare supplement insurance is pivotal for those living in Phoenix, as it helps in covering out-of-pocket expenses and fulfilling cost-sharing requirements that Original Medicare does not cover. By exploring Medicare supplement insurance plans, you can ensure that your healthcare needs are met without any financial strain.

However, the benefits extend beyond mere cost sharing. These plans provide benefits that go beyond conventional coverage. Imagine having dental and vision coverage along with care management programs for chronic conditions that are not usually included in Original Medicare or Medicare Advantage Plan. That’s the added advantage you get with Medicare Supplement Plans in Phoenix.


Original Medicare vs. Medicare Advantage

Phoenix offers a wide range of healthcare coverage options. Let’s take Original Medicare and Medicare Advantage as an example. Original Medicare provides coverage for hospitalization and outpatient/medical expenses, limited to most medically necessary services and supplies. But what about prescription drug coverage, dental, vision, and hearing care? That’s where Medicare Advantage plans in Phoenix step in. They offer the same Part A and B coverage, along with these additional benefits, which are not covered by Original Medicare. Plus, they have annual out-of-pocket limits, a feature that Original Medicare lacks.

Switching gears, let’s discuss financial aspects. The expenses associated with Medicare Advantage plans in Phoenix may be more economical compared to the total expenses of Original Medicare and a supplementary plan. With numerous options offered with no premiums and a typical monthly premium of $49.49 for those who are required to pay, it’s definitely worth considering.


Types of Medicare Supplement Plans in Phoenix

Digging further, let’s explore the various types of Arizona Medicare Supplement Plans Phoenix offers. You’ll find Plan A, Plan G, and Plan N at your disposal. While Plan F is no longer available to new enrollees, standardized plans like Plan G are widely chosen for their comprehensive coverage. Various companies, including Aetna, Bankers Fidelity, and Blue Cross Blue Shield (BCBS), offer these supplemental options to address gaps in Medicare coverage.

You may be curious about the extent of coverage each plan offers. It varies. Plans F and G historically offer the most comprehensive coverage, while Plans K and L might offer lower coverage levels that could be more cost-effective for those seeking plans with potentially lower premiums.


Phoenix’s Most Popular Medicare Supplement Plans


Phoenix's Most Popular Medicare Supplement Plans


In Phoenix, Plan F is the preferred Arizona Medicare Supplement Plan among the various supplement plans in Arizona. Why, you ask? It’s primarily due to its extensive coverage, which includes covering the annual Part B deductible. The broad range of coverage and the removal of out-of-pocket expenses for Medicare-covered procedures are key factors in its popularity.

Plan G, also known as Medigap Plan G, is another popular choice, particularly among individuals with chronic health conditions. Its comprehensive coverage for gaps in original Medicare includes Medigap plans that cover:

  • Hospital stays
  • Preventive services
  • Part A coinsurance
  • Physician visits

Although it does not include coverage for the Part B deductible, it provides substantial benefits.

However, a plan’s popularity doesn’t guarantee it’s the best fit for everyone. Understanding the benefits, and coverage of each plan, and evaluating your own health needs and budget are essential for making an informed decision. Let’s delve into the details of these popular plans.


Medicare Supplement Plan F in Phoenix

In Phoenix, Medicare Supplement Plan F provides extensive coverage by taking care of deductibles, coinsurance, and copayments for Medicare Parts A and B. Additionally, it covers Medicare Part B excess charges, providing extensive benefits. If you have frequent hospital visits, this plan might be ideal for you with its full coverage for Medicare-covered hospital procedures.

The monthly out-of-pocket expenses for Plan F in Phoenix can range from $138.94 to $526.42, with premium ranges typically falling between $80 to $180 per month. Despite seeming expensive, keep in mind that this plan offers comprehensive coverage, significantly reducing out-of-pocket costs for medical expenses.


Medicare Supplement Plan G in Phoenix

In Phoenix, Medicare Supplement Plan G covers hospital stays, which includes Part A coinsurance and hospital costs, Part B copays, and all preventive services. Unlike Plan F, Plan G does not provide coverage for the Medicare Part B deductible, which amounted to $233 in 2022. However, it’s still more cost-effective than Plan F with its lower overall cost while still providing similar benefits.

The average monthly premium for Plan G in Phoenix is approximately $194.20, resulting in an annual cost of around $2,330.40.


Medicare Supplement Plan N in Phoenix

In Phoenix, Medicare Supplement Plan N covers fundamental Medicare benefits such as hospitalization, Part B medical expenses, blood, and hospice care. It also includes coverage for Part A coinsurance and Part B coinsurance, excluding copayments for office and emergency room visits.

In Phoenix, Plan N includes:

  • A copayment of up to $20 for specific office visits
  • A $50 copayment for emergency room visits that do not result in hospital admission
  • Coverage for the Part A hospital deductible and coinsurance for Part A and B
  • No coverage for the Part B excess charges or the deductible

This plan offers a balance between cost and coverage, making it a viable option for those who are comfortable paying deductibles, copayments, and excess charges.


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Cost Factors for Medicare Supplement Plans in Phoenix

Cost Factors for Medicare Supplement Plans in Phoenix


Various factors can influence the cost of Medicare Supplement Plans in Phoenix, including:

  • Age
  • Health status
  • Gender
  • Marital status
  • Smoking habits
  • Location

For instance, the average cost for Plan N premiums in 2023 is lowest for beneficiaries at age 66, with a monthly cost of $100.57. It’s also worth noting that some plans have issue-age-rated pricing, meaning the premium is based on the age when the policy is purchased and does not increase as the individual gets older.

Geographic location within Phoenix can also affect the cost of Medicare supplement plans. Variations in healthcare costs in different areas can affect the pricing of Medicare supplement plans in those specific areas.

Furthermore, lifestyle factors such as smoking can impact the cost of Medicare Supplement Plans in Phoenix, with Medigap rates being approximately 10% higher for smokers.

Medical underwriting, which involves a thorough assessment of an individual’s medical background, can also affect the pricing of these plans.


Comparing Providers of Medicare Supplement Plans in Phoenix

In Phoenix, the monthly costs of Medicare Supplement Plans can vary widely, with plans like HDF and HDG costing between $44.41 to $67.77, and PLAN G ranging from $121.95 to $484.29. The prices vary based on factors such as the provider and plan type.

Top providers such as UnitedHealthcare and Physicians Mutual are renowned for providing superior Medicare Supplement Plans. Although the specific distinctions in benefits are not outlined, these providers are known for delivering high-quality options in the industry.

Carefully assessing your healthcare needs, examining the plans available in your area, and conducting a thorough analysis of the premiums are vital to ensure you choose a plan that meets your needs and fits your budget.

Detailed customer satisfaction ratings for Medicare Supplement Plan providers in Phoenix are not easily accessible, which emphasizes the importance of conducting personal research and taking into account various factors when selecting a provider.


Enrollment Periods for Medicare Supplement Plans in Phoenix

In Phoenix, the Medigap Open Enrollment Period lasts for six months, beginning on the first day of the month when a person turns 65 and enrolls in Medicare Part B. Enrolling during this period is essential as it offers the following benefits:

  • No medical underwriting
  • Guaranteed acceptance into a Medicare Supplement plan
  • Lower premiums
  • More coverage options

Missing the Medigap Open Enrollment Period could result in medical underwriting, potential denial of Medicare Supplement plan enrollment, increased premiums, and limited coverage options.

Guaranteed issue rights are protections that enable the purchase of a Medigap policy irrespective of health conditions during specific periods, such as a six-month timeframe commencing at age 65 and enrollment in Medicare Part B. Phoenix residents are eligible to exercise these rights during a six-month guaranteed-issue window that commences at the age of 65 and upon enrollment in Medicare Part B. Additionally, special circumstances, regardless of age or initial enrollment, may also confer these rights regardless of health conditions.


Financial Assistance for Medicare Beneficiaries in Phoenix

Medicaid may be an option for Medicare beneficiaries in Phoenix who meet certain age, income, and residency requirements. This includes being under age 65 with family income up to 138% of the Federal Poverty Level or being an elderly or disabled individual who meets specific income and asset limits. The income threshold for Medicaid in Phoenix for Medicare beneficiaries under the Medicaid expansion population is up to 138% of the Federal Poverty Level.

To apply for Medicaid, a Medicare beneficiary in Phoenix has the option to apply through:

  • Online submission at
  • Mailing an Application for Benefits to P.O. Box 19009, Phoenix AZ 85005
  • In-person submission
  • Phone at 1-855-432-7587

Additionally, the AHCCCS QMB – ONLY Medicare Savings Program is a state-level financial aid program designed to assist Medicare beneficiaries in Phoenix with paying the Medicare Part A premium (when applicable) and the Medicare Part B premium.


Additional Resources for Phoenix Medicare Beneficiaries

Although navigating Medicare Supplement Plans can be daunting, remember you’re not alone in this journey. Local organizations in Phoenix, like the State Health Insurance Assistance Program (SHIP), Senior Medicare Patrol (SMP), and the Medicare Store team, offer assistance with Medicare Supplement Plans.

The DES Division of Aging and Adult Services offers guidance to Medicare beneficiaries through the State Health Insurance Program (SHIP) and the Senior Medicare program. The Area Agency on Aging also provides benefits assistance programs for Medicare beneficiaries. Additionally, Medicare professionals at AE Medicare Solutions can help answer questions and provide guidance.



In conclusion, understanding your Medicare Supplement Plan options in Phoenix is essential in navigating your healthcare journey. Whether you opt for Plan F, G, or N, remember to consider your health needs, budget, and enrollment periods. Make use of the various resources available to you, and don’t hesitate to reach out to local organizations for help. With the right knowledge and resources, you can make an informed decision that best suits your needs.

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Frequently Asked Questions

What is the most popular Medicare Supplement plan for 2023?

The most popular Medicare Supplement plan for 2023 is Medigap Plan G. It offers standardized coverage and is widely favored.


  What are the disadvantages of a Medicare supplement plan?

The disadvantages of a Medicare supplement plan include pricey monthly premiums, difficulty in switching once enrolled, potential inability to enroll after the initial period, lack of coverage for hospital deductibles, no drug coverage, and exclusion of elective surgeries. It is important to carefully consider these factors when evaluating your healthcare options.


  How much is Medicare Plan G in Arizona?

The average monthly premium for Medicare Plan G in Arizona is $194.20, but the cost can vary based on factors like age, location, and discounts.


  What is the average price of a Medicare supplemental plan?

The average monthly cost for a Medicare Supplement plan is $139, but individual plan costs may vary. The table below shows average costs for specific plans based on age.


  What are the differences between Original Medicare and Medicare Advantage?

The main difference between Original Medicare and Medicare Advantage is that Medicare Advantage plans offer additional benefits such as prescription drug coverage, dental, vision, and hearing care in addition to the traditional Part A and B coverage. Consider your healthcare needs to choose the most suitable option for you.

Speak to the Professionals about Medigap Plans and Original Medicare

If you find understanding the benefits involved with Original Medicare and Medigap Plans challenging, you’re not alone. Whether it’s a Medigap plan, or you want to know more about the best Medicare Supplement Plans in Phoenix, we can help. Call our team at 1-888-891-0229 for a free consultation or complete the contact form on this site, and an expert will call you back at a convenient time.

We have decades of experience advising our clients on the complexities of Medicare and Medigap plans, the benefits, cost and deductibles. We’ll ensure you get the best rate in your state and advice you can trust.

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