Medicare Supplement Plans Arizona 2025 – Plans & Rates

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Russell Noga
by Russell Noga | Updated April 6th, 2024

Exploring Medicare Supplement Plans in Arizona for 2025? Find out what Plan G, Plan N, and Plan F offer, understand their costs, and the latest updates. Our guide simplifies your comparison journey, ensuring you’re informed about provider choices and enrollment specifics for a wise Medigap plan selection.


Key Takeaways

  • Medicare Supplement plans in Arizona offer additional coverage to Original Medicare and are standardized across different insurers, making comparisons straightforward. However, Plan options and premiums can vary, including a high deductible option for plans like Plan G with a deductible that is adjusted annually based on the Consumer Price Index for All Urban Consumers (CPI-U) figures released by the Bureau of Labor Statistics.
  • Several insurance companies in Arizona provide Medicare Supplement plans with different benefits and premiums, and it’s important to consider factors beyond price, including the provider’s financial strength, pricing style, and additional perks when choosing a plan.
  • The enrollment process for Medicare Supplement plans in Arizona is time-sensitive, with a six-month window commencing from the individual’s Part B effective date. Beneficiaries under 65 may have access to these plans but could face higher premiums. Federal initiatives and state regulations could influence the future landscape of these plans.


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Understanding Medicare Supplement Plans in Arizona 2025

Understanding Medicare Supplement Plans in Arizona 2025


Medicare Supplement or Medigap plans in Arizona offer extra coverage to bridge the gaps left by Original Medicare, including deductibles and co-payments. These plans are particularly attractive for beneficiaries under 65, as guaranteed-issue of these plans is available, albeit with potentially higher premiums.

However, these supplemental plans face stiff competition from Medicare Advantage plans, which are required to have an out-of-pocket limit and offer prescription coverage, creating an exciting dynamic in the marketplace. Standalone Medicare plans, on the other hand, may not have these same benefits.


How Medicare Supplement Plans Work

Serving as a safety net, Medicare Supplement plans are designed to shoulder extra costs like deductibles and coinsurance that Original Medicare doesn’t cover. These plans offer excellent value by minimizing out-of-pocket expenses for enrollees, covering Part A and B deductibles.

Notably, all Medicare Supplement policies with the same plan letter provide the same basic benefits, making comparison a breeze.


Types of Medicare Supplement Plans

Arizona’s Medigap policies, standardized and labeled with letters from A to N, enable easy comparison of benefits across the board. Despite pricing potentially varying, the benefits provided by each standardized Medigap plan remain consistent, regardless of the insurance company offering the policy.

For example, Plan F and Plan G both offer coverage for 80% of foreign travel emergency healthcare costs, as well as drug coverage, demonstrating one of the unique benefits in popular Medigap plans.


Medicare Plan G 2025


Medicare Plan G 2025


Medicare Supplement Plan G offers comprehensive coverage, making it a prime choice for beneficiaries in Arizona. For individuals who were new to Medicare starting from January 1, 2020, the high deductible version of Medicare Supplement Plan G is available. In the upcoming year, the annual deductible amount for high deductible versions of Medicare Supplement Plans F, G, and J will be adjusted. This adjustment is part of an annual revision process to align with the changing economic landscape.

This deductible amount represents the yearly out-of-pocket expenses, excluding premiums, that a beneficiary must pay before the plan begins to pay benefits. Notably, the deductible amount for high-deductible Medicare Supplement Plans is updated annually based on the Consumer Price Index for All Urban Consumers (CPI-U) figures released by the Bureau of Labor Statistics.


Medicare Plan N 2025

If you’re looking to strike a balance between thorough coverage and affordability, consider Medicare Supplement Plan N in Arizona. Plan N offers a host of benefits tailored to meet the needs of Medicare beneficiaries. At the heart of these benefits is the assurance of quality healthcare without the burden of excessive costs.

While Plan N might not be as comprehensive as Plan G or F, its lower premiums make it a popular choice among beneficiaries. Its balanced approach makes it ideal for those who want extensive coverage without breaking the bank.


Medicare Plan F 2025

Medicare Supplement Plan F provides the most comprehensive coverage, including original Medicare coverage gaps. However, it’s only available to those who turned 65 before 2021. Plan F covers all the gaps in Original Medicare, such as:

  • Part A hospital deductibles
  • Part B medical deductibles
  • Copayments
  • Coinsurance

Despite its comprehensive coverage, Plan F comes with higher average monthly premiums compared to Plan G. This could be a critical factor in deciding whether to opt for Plan F. Nonetheless, if you’re eligible and can afford the premiums, Plan F offers extensive coverage that could save you significant out-of-pocket expenses in the long run.


Comparing Top Medicare Supplement Providers in Arizona

Arizona presents a competitive marketplace for selecting a provider for your Medicare Supplement plan. Leading insurers in the state offer:

  • Unique features
  • Financial strength
  • Competitive pricing
  • Exceptional customer service

With a significant portion of Arizona Medicare beneficiaries choosing Medicare Advantage coverage, Medicare Supplement plans must offer attractive features to compete and draw beneficiaries who may otherwise opt for a Medicare Advantage plan.


Provider Profiles: UnitedHealthcare, Mutual of Omaha, and More

Providers that stand out in Arizona’s competitive Medicare Supplement plan market include:

  • UnitedHealthcare: Offers both Plan G and Plan N, which include additional benefits such as Renew Active and Optum Nurse Line. The average monthly rates are competitive and cater to a range of budgets.
  • Mutual of Omaha
  • Physicians Mutual

Mutual of Omaha is known for its customer satisfaction and offers a range of Medicare Supplement plans, including the widely chosen Plan G. Physicians Mutual, on the other hand, offers Plan F, which includes Preventive Care coverage and Foreign Travel emergency coverage, with average monthly rates that are competitive within the market.

It’s important to note that not all providers make online quotes available, which can impact the ease of comparing plans.


Factors to Consider When Choosing a Provider

Choosing a provider isn’t solely about price. Other factors like the provider’s financial strength ratings, pricing style, and additional perks should be taken into consideration. For instance, you should consider the provider’s pricing style, such as issue-age pricing, attained-age pricing, and community-rated pricing as these can significantly influence the long-term cost of the plan.

Moreover, examine any additional perks such as wellness programs, discounts on health services, and available Medicaid services, which can enhance the overall value of a Medicare Supplement plan, including Medicare supplement insurance and supplemental benefits.



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Cost and Coverage Analysis of Arizona Medicare Supplement Plans

The cost and coverage of Medicare Supplement plans in Arizona can significantly differ. Factors such as age and plan type play a major role in determining the average monthly premiums for these plans. For instance, Plan G typically has a moderate monthly premium, while Plan F tends to have a higher monthly premium due to its more extensive coverage.

However, it’s not just about premiums. Coverage also matters. For instance, Medicare Supplement Plan G offers the highest coverage for foreign travel exchange at 80%, underlining its popularity among Arizona beneficiaries.


Understanding Premiums and Deductibles

Grasping how premiums and deductibles operate can aid in making a well-informed decision when selecting a Medicare Supplement plan. In Arizona, monthly premiums for these plans can vary widely, influenced by a range of factors such as the chosen plan, the beneficiary’s gender, and whether they use tobacco.

Moreover, it’s worth noting that for Medicare Supplement Plan G, enrollees are responsible for the payment of a monthly premium plus the yearly Part B Deductible, which is determined annually for any Medicare-approved services. After meeting the Part B deductible, Plan G covers 100% of Part B coinsurance, offering substantial value to those enrolled.


Maximizing Coverage and Minimizing Costs

Comparing premiums, out-of-pocket costs, and additional benefits is key to maximizing coverage and minimizing costs when choosing a Medigap plan. For instance, Plan G is recommended when seeking the most comprehensive coverage for the lowest cost.

Moreover, comparing monthly premiums against potential out-of-pocket costs is crucial, as lower upfront fees could lead to higher expenses over time. And don’t forget about additional benefits like dental, vision, and hearing coverage, as well as perks like fitness memberships and transportation benefits, which can enhance the overall value of a plan.


Enrollment Process for Medicare Supplement Plans in Arizona

The process of enrolling in a Medicare Supplement plan in Arizona is straightforward. Residents have a six-month Medigap Open Enrollment Period starting on their Medicare Part B effective date, with application typically allowed three months before this date.


Eligibility Criteria

While there’s no state mandate regarding eligibility, some Medigap insurers in Arizona voluntarily offer plans to beneficiaries under 65. However, there is no guaranteed issue open enrollment period for Medigap for individuals under 65 enrolling due to disability.

Moreover, beneficiaries under 65 in Arizona may face higher premiums for Medigap plans than those who are 65 or older. It’s worth noting that other states may have rules providing a state-run high-risk pool or guaranteeing the issue of Medigap plans with premiums not exceeding those for a 65-year-old, unlike Arizona.


Open Enrollment and Special Enrollment Periods

The Medicare Supplement Open Enrollment Period in Arizona is a six-month timeframe that begins on the first day of the month in which an individual is both at least 65 years old and enrolled in Medicare Part B. During this period, applicants have guaranteed issue rights, which means they cannot be denied coverage or charged more due to preexisting conditions.

In addition to the Open Enrollment Period, there are Special Enrollment Periods and Guaranteed Issue Rights that permit enrollment in Medigap plans without the concern of medical underwriting or plan denial, applicable in certain situations such as losing previous health coverage.


Navigating the Future of Medicare Supplement Plans in Arizona

A myriad of factors, including federal initiatives, state regulations, and demographic shifts, are expected to shape the future of Medicare Supplement plans in Arizona. These factors can impact plan offerings, pricing, and consumer protections.


Federal Government Initiatives

Federal initiatives aim to enhance flexibility in Medicare Advantage plans, including prescription drug coverage for prescription drugs. These initiatives include:

  • Substituting lower-cost biosimilars without prior approval
  • Improving benefits for the chronically ill
  • Implementing new marketing regulations to prevent misrepresentation of benefits.

These federal initiatives are designed to enhance the quality and affordability of Medicare Supplement plans in Arizona. They aim to:

  • Promote competition among plans
  • Ensure that plans meet the needs of Medicare beneficiaries
  • Improve the overall quality and affordability of Medicare Supplement plans in the state.


State Regulations and Trends

Arizona’s state regulations may evolve to cater to the growing senior population and to manage competitive pressures within the insurance market. For instance, the federal out-of-pocket limit requirement for Medicare Advantage plans could lead to changes in Arizona’s state regulations for Medicare Supplement plans, aiming for competitive cost protections.

Rising telehealth service utilization in Medicare Advantage plans is likely to influence state trends toward increasing telehealth coverage in Arizona’s Medicare Supplement plans. Also, as the state experiences demographic shifts, such as an aging population, state policy adjustments may be made to address the Medicare Supplemental needs of a growing senior demographic.



To sum up, understanding Medicare Supplement plans is crucial for Arizona beneficiaries as they navigate their healthcare options in 2025. From the different types of plans to the top providers, the enrollment process, and the potential future trends, this guide has covered everything you need to know to make an informed choice. Remember, choosing a Medicare Supplement plan isn’t just about cost. It’s about finding a plan that offers the coverage you need, with the perks you want, from a reliable provider you can trust.

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Frequently Asked Questions

What are the eligibility requirements for Medicare Supplement plans in Arizona?

To be eligible for a Medicare Supplement plan in Arizona, you must be enrolled in Medicare Part A and Part B. If you are under 65 and receiving Social Security disability benefits, you may also qualify for certain Medicare Supplement plans, but premiums could be higher compared to those for beneficiaries over 65.


Can I switch from a Medicare Advantage plan to a Medicare Supplement plan in Arizona?

Yes, you can switch from a Medicare Advantage plan to a Medicare Supplement plan in Arizona during the Medicare Advantage Open Enrollment Period, which runs from January 1 to March 31 each year. However, unless you have guaranteed issue rights, you may be subject to medical underwriting.


  Are prescription drugs covered under Medicare Supplement plans in Arizona?

No, Medicare Supplement plans in Arizona do not include prescription drug coverage. To get coverage for prescription drugs, you must enroll in a separate Medicare Part D plan.

Thanks to the Inflation Reduction Act, annual out-of-pocket costs for people with Medicare Part D will be capped in 2025. This means that Medicare costs will be limited annually, providing significant financial relief for beneficiaries.


  What does Medicare Supplement Plan G cover in Arizona for 2025?

Medicare Supplement Plan G in Arizona covers the Part A deductible, Part B excess charges, and coinsurance for hospice and skilled nursing facility care. It also covers foreign travel emergency healthcare costs up to plan limits.


  What is the high deductible option for Plan G in 2025?

The high deductible option for Plan G in 2025 allows beneficiaries to pay a lower monthly premium in exchange for a higher deductible. The exact amount is adjusted annually and tied to the CPI-U.


  What is the difference between Medicare Advantage and Medicare Supplement plans?

Medicare Advantage plans provide extra benefits beyond Original Medicare, while Medicare Supplement plans fill the gaps in Original Medicare coverage, such as deductibles and co-payments. It is important to understand the specific benefits and coverage of each plan before making a decision.

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 Medicare Supplement Plans Arizona in 2025, 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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