Best Cheap Medicare Supplement (Medigap) Plans in Arizona
Physicians Mutual is the best choice for Medigap Plan G in Arizona because of its cheap rates and good customer service.
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Plan G has the best coverage for new Medicare enrollees.
Plan N is another popular choice. It offers nearly as much coverage as Plan G, but at a lower cost. Health Net has the cheapest rates for Medigap Plan N in Arizona.
Who has the best Medicare Supplement plans in Arizona?
Physicians Mutual has the best Medigap Plan G policies in Arizona.
The company offers the cheapest average rates among major Medigap companies in Arizona. Plus, Physicians Mutual gets far fewer complaints than an an average company of its size.
Best Medicare Supplement plans in Arizona
Company |
Customer service (out of 5)
| Plan G monthly rate | |
|---|---|---|---|
| Physicians Mutual | $111 | 5 |
| Health Net (Centene) | $126 | N/A |
| Aetna (CVS) | $139 | 2.5 |
| Cigna | $145 | 0 |
| BCBS | $177 | 0 |
All rates are for a 65-year-old woman who does not smoke.
Medigap coverage is standardized by plan letter. Every Plan G will have the exact same coverage regardless of the company you choose.
That means you need to pay attention only to price and service when shopping for a Medigap plan. Remember, you don't need to worry about in-network coverage with Medigap plans because you'll have access to every doctor nationwide who accepts Medicare.
Best Medigap Plan G in AZ: Physicians Mutual
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Editor rating
- High-Deductible Plan G : $52
- Plan G: $111
- Plan F: $143
- Plan A: $183
Physicians Mutual has the cheapest Plan G policies and the fewest complaints of any major Medigap company in Arizona
Physicians Mutual offers the most affordable Medicare Supplement Plan G policies in Arizona, at an average cost of $111 per month. Plus, Physicians Mutual gets significantly fewer complaints than an average company of its size.
It's a good idea to choose a Medigap company that gets few complaints to avoid a lengthy claims filing process down the road.
The main downside to Physicians Mutual is its limited plan selection. If you want a Medigap plan with cheaper rates such as Plan N or Plan K, you'll have to go with another company.
Keep in mind, more than four in five Arizona Medigap enrollees choose either Plan G or Plan F.
Cheapest Plan N in Arizona: Health Net
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Editor rating
- Plan N: $99
- Plan G: $126
- Plan A: $130
- Plan F: $149
Health Net has the cheapest Plan N policies in Arizona.
Health Net sells the most affordable Plan N policies in Arizona, at an average cost of $99 per month. That's $23 per month cheaper than the AZ state average and less than half the cost you'd pay for a plan from AARP/UnitedHealthcare. Health Net also has affordable rates for Plan G, Plan F and Plan A policies.
Plan N offers nearly the same level of coverage as Plan G. The main difference is that with Plan N, you'll have to pay $20 for some doctor visits and $50 if you go to the emergency room and don't stay overnight, called a copay.
In Arizona, Plan N costs $35 per month less than Plan G, on average. That means you'll come out ahead with Plan N if you go to the doctor only a few times per year. But Plan G makes better sense if you visit the hospital more frequently.
Plan N also won't cover any extra costs beyond what Medicare has agreed to pay for a service, called excess charges. Keep in mind, excess charges are rare. Most doctors only charge the Medicare-approved prices.
The main drawback to Health Net is its poor reputation for customer service. The company gets far more complaints than an average company its size. If you don't mind paying extra for better customer service, consider Aetna. Aetna charges affordable rates for Plan N, and it gets a roughly average amount of complaints.
Best for high-deductible Plan G: Humana
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Editor rating
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High-ded. Plan G: $44
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High-ded. Plan F: $50
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Plan K: $103
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Plan L: $148
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Plan N: $149
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Plan A: $153
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Plan B: $191
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Plan G: $197
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Plan F: $201
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Plan C: $242
Humana sells the cheapest high-deductible Plan G policies in Arizona.
A high-deductible Plan G policy from Humana costs $44 per month. That's roughly a tenth cheaper than the state average of $49 per month. You can also get a high-deductible Plan F from Humana, although this is available only if you became eligible for Medicare before Jan. 1, 2020.
With a high-deductible Plan G policy, you have to pay $2,870 toward your medical bills before coverage starts. That makes it a good option for healthy individuals who can easily afford to pay the full deductible cost from their savings.
Humana also stands out for its wide range of coverage options. You can get less commonly offered Medigap plan types such as Plan K and L, which pay for about half and three-quarters of the costs you're responsible for with regular Medicare, respectively.
Humana gets far more complaints about its Medigap plans than an average insurance company of the same size. If you don't mind paying a little more for better service, consider Physicians Mutual, which charges an average of $52 per month for a high-deductible Plan G policy in Arizona.
How do Medicare Supplement plans cost in Arizona?
Medigap plans in Arizona cost between $51 and $230 per month, on average.
The amount you pay for a Medigap plan in Arizona depends on the plan letter and company you choose. Medigap plans that offer more coverage tend to cost more than plans with less coverage.
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Popularity can also influence a plan's cost. Plan G is the most commonly sold Medigap plan letter. Greater competition between companies means Plan G often costs less than Plans B and C, even though Plan G offers better coverage than those other plan choices.
Average cost of Medigap plans in AZ
Medigap plan | Monthly cost | Popularity in AZ(enrollment %) |
|---|---|---|
| G | $157 | 44% |
| F | $194 | 43% |
| N | $122 | 8% |
| J | N/A | 2% |
| C | $230 | 2% |
Enrollment percentages for Plans F and G include the high-deductible versions. Rates are based on a 65-year-old woman who does not smoke. An * indicates a high-deductible plan.
Plan G offers the most coverage for new Medigap enrollees. Plan G covers nearly all of the costs you're responsible for with Original Medicare (Parts A and B). The only major cost Plan G won't pay for is your $257 Medicare Part B deductible.
Plan F offers the best coverage of any Medigap plan type. But Plan F is available only if you became eligible for Medicare before Jan. 1, 2020.
Plan N offers good coverage at an affordable rate. In Arizona, you'll save $35 per month, on average, by choosing Plan N over Plan G. But you'll have to pay a set amount, called a copay, when you visit the doctor or go to the emergency room. Plus, you're responsible for any costs your doctor charges beyond what Medicare has agreed to pay, called excess charges.
Frequently asked questions
What's the best Medigap plan in Arizona?
Plan G from Physicians Mutual is the best Medigap plan in Arizona. Plan G offers the most complete coverage of any Medicare Supplement plan type and Physicians Mutual has the cheapest Plan G prices and the best customer service of any major Medigap company in Arizona.
How much does Medigap Plan G cost in Arizona?
Medigap Plan G costs an average of $157 per month in Arizona. The cost you pay for a Plan G policy will depend on several factors, such as your age, gender, whether you smoke and the company you choose.
What is the most popular Medigap plan in Arizona?
Plan G is the most popular Medigap plan in Arizona, with 44% of the total market. The second most popular option, Plan F, is available to those who became eligible for Medicare before Jan. 1, 2020.
Sources and methodology
Average Medicare Supplement rates in Arizona came from private insurance companies. The rates are for a 65-year-old, nonsmoking woman who got her plan when she first became eligible.
Plan popularity in Arizona comes from America's Health Insurance Plans (AHIP).
Customer complaint data was taken from the National Association of Insurance Commissioners (NAIC). ValuePenguin used the data to score each AZ Medicare Supplement company on a five-point scale. The lower the score, the more complaints a company has.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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