Arizona residents eligible for Medicare can choose between Original Medicare (Parts A and B) and Medicare Advantage (Part C) plans.

If you’re shopping for Medicare plans in Arizona, you’ve likely already come across a lot of information. That’s because you have a lot of options.

The first step toward choosing the coverage that best suits your needs is understanding how the different parts of Medicare work.

Learn about the Medicare plans available in Arizona, when to enroll, and the additional resources available to help.

The Centers for Medicare & Medicaid Services (CMS) reported the following information on Medicare trends in Arizona for the 2025 plan year:

  • A total of 1,484,871 residents of Arizona are enrolled in Medicare.
  • The average Medicare Advantage monthly premium in Arizona decreased from $11.44 in 2024 to $8.10 in 2025.
  • There are 153 Medicare Advantage plans available in Arizona for 2025, compared with 149 plans in 2024.
  • All Arizona residents with Medicare have access to buy a Medicare Advantage plan, including plans with $0 premiums.
  • There will be 21 stand-alone Medicare prescription drug plans available for people in Arizona in 2025.
  • Everyone in Arizona with Medicare can get a Medicare Advantage plan with a $0 monthly premium.
  • In 2025, 14 stand-alone Medicare prescription drug (Part D) plans will be available, and all individuals with Original Medicare in Arizona will have access to a drug plan.

Medicare is a national program for people ages 65 and over and for people of any age with certain health conditions. Original Medicare comes directly from the federal government and includes some basic coverage for outpatient and inpatient healthcare services.

Original Medicare

Medicare is made up of different parts. Original Medicare, which is basic coverage, has two parts:

  • Part A covers a portion of the costs for the inpatient care you get in the hospital, a skilled nursing facility, or hospice, as well as some limited home health services.
  • Part B covers a portion of the costs for services and supplies you receive when you see a doctor or specialist.

Parts A and B cover a portion of these costs. They do not cover things like:

You can purchase plans from private insurance companies to supplement or replace your Original Medicare coverage.

Medicare Advantage in Arizona

Medicare Advantage plans offer an “all-in-one” replacement for Original Medicare. Part C plans include coverage similar to parts A and B, as well as additional coverage.

They usually include:

  • prescription drug benefits
  • lower out-of-pocket costs when you seek care
  • dental, vision, and hearing benefits

Medicare Advantage plans often offer health and wellness benefits, such as fitness programs or health coaching to support managing chronic conditions.

If you choose a Medicare Advantage plan, you have plenty of choices in Arizona. Keep in mind, though, that not all of these plans are available in all counties. Availability varies depending on where you live.

Some of these plans may also require you to receive healthcare services from in-network providers for them to be covered.

Some of the private insurance companies offering Medicare Advantage plans in Arizona for 2025 include:

Medicare supplement plans in Arizona

Medicare supplement (Medigap) plans help cover the gaps in Original Medicare coverage, which might include copays and coinsurance. You can purchase these plans in addition to having parts A and B. But you cannot enroll in them if you have a Medicare Advantage Plan.

In Arizona, many insurance companies offer Medigap plans. Some of the companies offering Medigap plans in Arizona include:

You have 12 different types of Medigap plans (including high-deductible versions of plans F and G) available to choose from this year if you live in Arizona.

You can enroll in Medicare if you meet at least one of the following requirements:

Your initial enrollment period begins 3 months before you turn 65 and continues for your birthday month and 3 months after.

It usually makes sense to enroll in Part A during this period. Even if you’re not ready to retire, Part A benefits can coordinate with your employer-sponsored coverage and likely won’t cost you anything. If you choose not to enroll in Part B during this time, you likely will qualify for a special enrollment period later.

Other enrollment periods include:

  • Medigap initial enrollment: You can enroll in a Medigap plan for up to 3 months after the month you turn age 65.
  • General enrollment: From January 1 through March 31, you may enroll in a Medicare plan or Medicare Advantage plan if you did not enroll during your initial enrollment period.
  • Medicare Part D/Add-ons enrollment: From April 1 through June 30, if you don’t have Medicare Part A but enrolled in Part B during the general enrollment period, you can choose a Part D prescription drug plan.
  • Open enrollment: From October 15 through December 7, you may enroll in, drop out of, or change your Part C or Part D plan, or you may switch back to Original Medicare.
  • Special enrollment: For an approved reason, you may qualify for a special enrollment period of 8 months, during which you may enroll in Medicare or switch your Part C, Part D, or Medigap plan.

Tips for enrolling in Medicare in Arizona

Medicare Advantage plans vary in structure and design. Some may be Health Maintenance Organization (HMO) plans that require you to choose a primary care physician, who then refers you to other doctors as needed. Other plans may be Preferred Provider Organization (PPO) plans that allow you to see in-network specialists without getting a referral.

When you’re shopping for Medicare Advantage plans in Arizona, you’ll want to consider factors like:

  • Cost: How much are the premiums? How much will you need to pay when you see a doctor or fill a prescription?
  • Provider network: Does the plan’s provider network include doctors and hospitals that are convenient for you? What if you need to seek care while traveling outside the network area?
  • Covered services: Does the plan suit your needs for dental, vision, or hearing services?
  • Included programs: Are you likely to use the plan’s member perks and programs?

The following resources can be useful in learning more about Arizona Medicare coverage options:

What should I do next?

If you’re ready to investigate plan options and begin the enrollment process, consider these steps:

  • Research the specific Medicare plans available to you. The list above can be a good starting point. It might also be useful to talk with an experienced insurance agent who sells Medicare plans in Arizona and can offer guidance tailored to your situation.
  • Read some reviews to see what others say about plans and coverage you might be considering. You could also ask trusted friends or acquaintances about their Medicare plans.
  • Sign up for Medicare online through the Social Security Administration website. The application takes just minutes to complete. The site even includes a checklist to make it easier to gather the necessary information.

Over 1.4 million people in Arizona are enrolled in Medicare.

Several private insurance companies in Arizona offer Medicare Advantage and Medigap plans.

Overall, monthly premium costs have decreased for 2025 Medicare Advantage plans in Arizona.