Best 2024 Medicare Advantage Plans in Arizona
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Arizona's Finest Medicare Advantage Plans: How to Find Yours
If you are thinking about getting out of Original Medicare and into a Medicare Advantage plan available in Arizona, you're not alone. Nearly half of the estimated 64 million people with Medicare will join a Medicare Advantage plan this year. Some join to get more benefits. Some join to save money. And some like a plan's doctors and other healthcare providers.
This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Arizona, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.
Table of Contents
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Unveiling the Standout Medicare Advantage Plans in Arizona
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Arizona's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
There are no 5-star plans in Arizona in 2024. However, there are 4.5-star plans. This year, the highest rated Medicare plans available in Arizona come from:
- Humana
- UnitedHealthcare
We recommend evaluating the health plans from these Arizona health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Arizona. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Arizona's MA Plan Companies
Approximately 23 health insurance providers offer Medicare Advantage plans in Arizona, including:
- Aetna Medicare
- Alignment Health Plan
- Amerigroup
- Amerigroup Insurance Company
- Banner Health Plan
- Banner Medicare Advantage
- Blue Cross Blue Shield of Arizona
- Blue Cross Blue Shield of Arizona Advantage
- Cigna
- Cigna Healthcare
- Devoted Health
- eternalHealth
- Gold Kidney Health Plan
- Humana
- Imperial Insurance Companies
- Imperial Insurance Companies, Inc
- Lasso Healthcare
- Magellan Health
- Molina Healthcare of Arizona
- SCAN Desert Health Plan
- UnitedHealthcare
- Wellcare
- Wellcare by Allwell
Arizona's Top-Rated Plans
According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Arizona:
Top Medicare Advantage Plans in Arizona
Provider | Plan ID | Plan Name | Premium | Limit | Stars |
---|---|---|---|---|---|
Humana | H5216-198 | HumanaChoice H5216-198 (PPO) | $30.00 | $4,900 | 4.5 |
Humana | H5216-197 | Humana Value Plus H5216-197 (PPO) | $36.30 | $7,550 | 4.5 |
Humana | H5216-034 | HumanaChoice H5216-034 (PPO) | $118.00 | $7,550 | 4.5 |
Humana | H5216-137 | HumanaChoice H5216-137 (PPO) | $0.00 | $7,350 | 4.5 |
Humana | H5216-224 | HumanaChoice H5216-224 (PPO) | $23.00 | $3,900 | 4.5 |
Humana | H5216-265 | HumanaChoice H5216-265 (PPO) | $0.00 | $4,500 | 4.5 |
Humana | H5216-335 | HumanaChoice H5216-335 (PPO) | $96.00 | $2,900 | 4.5 |
Humana | H5216-338 | Humana USAA Honor with Rx (PPO) | $0.00 | $6,100 | 4.5 |
Humana | H5216-260 | HumanaChoice H5216-260 (PPO) | $0.00 | $7,550 | 4.5 |
Humana | H5216-263 | HumanaChoice H5216-263 (PPO) | $0.00 | $5,300 | 4.5 |
Humana | H5216-371 | HumanaChoice H5216-371 (PPO) | $0.00 | $6,500 | 4.5 |
UnitedHealthcare | H0609-045 | AARP Medicare Advantage from UHC AZ-0004 (HMO-POS) | $0.00 | $2,900 | 4.5 |
UnitedHealthcare | H0609-027 | AARP Medicare Advantage from UHC AZ-002P (HMO-POS) | $0.00 | $2,500 | 4.5 |
UnitedHealthcare | H0609-025 | AARP Medicare Advantage from UHC AZ-0001 (HMO-POS) | $0.00 | $2,400 | 4.5 |
UnitedHealthcare | H5253-036 | AARP Medicare Advantage (HMO-POS) | $52.00 | $3,900 | 4.5 |
UnitedHealthcare | H0609-046 | AARP Medicare Advantage from UHC AZ-0005 (HMO-POS) | $0.00 | $2,900 | 4.5 |
UnitedHealthcare | H0609-044 | AARP Medicare Advantage from UHC AZ-0003 (HMO-POS) | $31.00 | $2,500 | 4.5 |
UnitedHealthcare | H5253-036 | AARP Medicare Advantage from UHC AZ-0014 (HMO-POS) | $48.00 | $3,800 | 4.5 |
UnitedHealthcare | H5253-035 | AARP Medicare Advantage Plus (HMO-POS) | $15.00 | $4,300 | 4.5 |
UnitedHealthcare | H0609-026 | AARP Medicare Advantage from UHC AZ-0002 (HMO-POS) | $0.00 | $2,900 | 4.5 |
UnitedHealthcare | H5253-035 | AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) | $20.00 | $4,300 | 4.5 |
Aetna Medicare | H3931-156 | Aetna Medicare Prime Value Plus Plan (HMO-POS) | $19.70 | $2,500 | 4.0 |
Aetna Medicare | H3931-129 | Aetna Medicare Platinum Plan (HMO-POS) | $0.00 | $4,800 | 4.0 |
Aetna Medicare | H5521-331 | Aetna Medicare Elite Plan (PPO) | $0.00 | $6,200 | 4.0 |
Aetna Medicare | H5521-184 | Aetna Medicare Essentials Plan (PPO) | $73.00 | $6,500 | 4.0 |
Aetna Medicare | H3931-169 | Aetna Medicare Value Plus Plan (HMO-POS) | $23.80 | $5,500 | 4.0 |
Aetna Medicare | H3931-148 | Aetna Medicare Sunrise Plan (HMO-POS) | $0.00 | $5,500 | 4.0 |
Aetna Medicare | H3931-092 | Aetna Medicare Prime Plan (HMO-POS) | $0.00 | $2,500 | 4.0 |
Aetna Medicare | H5521-100 | Aetna Medicare Freedom Plan (PPO) | $0.00 | $3,850 | 4.0 |
Aetna Medicare | H5521-424 | Aetna Medicare Value Plus Plan (PPO) | $20.00 | $5,000 | 4.0 |
Blue Cross Blue Shield of Arizona Advantage | H0302-006 | Blue Best Life Classic (HMO) | $0.00 | $2,900 | 4.0 |
Blue Cross Blue Shield of Arizona Advantage | H0302-001 | Blue Best Life Plus (HMO) | $45.00 | $2,500 | 4.0 |
Cigna Healthcare | H0354-028 | Cigna Alliance Medicare (HMO) | $0.00 | $2,500 | 4.0 |
Cigna Healthcare | H0354-001 | Cigna Preferred Medicare (HMO) | $0.00 | $2,300 | 4.0 |
Cigna Healthcare | H0354-029 | Cigna Preferred Savings Medicare (HMO) | $0.00 | $3,100 | 4.0 |
Devoted Health | H8173-002 | Devoted PREMIUM Arizona (HMO) | $11.40 | $3,200 | 4.0 |
Devoted Health | H8173-002 | Devoted SELECT Arizona (HMO) | $28.40 | $3,200 | 4.0 |
Devoted Health | H8173-001 | Devoted CORE Arizona (HMO) | $0.00 | $3,200 | 4.0 |
Devoted Health | H8173-013 | Devoted GIVEBACK Arizona (HMO) | $0.00 | $3,900 | 4.0 |
Humana | H0028-021 | Humana Gold Plus H0028-021 (HMO) | $0.00 | $2,400 | 4.0 |
Humana | H2463-001 | Humana Gold Plus H2463-001 (HMO) | $0.00 | $5,250 | 4.0 |
Humana | H0028-062 | Humana Gold Plus H0028-062 (HMO) | $0.00 | $4,200 | 4.0 |
Humana | H0028-023 | Humana Gold Plus H0028-023 (HMO) | $41.00 | $6,700 | 4.0 |
Humana | H0028-052 | Humana Gold Plus H0028-052 (HMO) | $0.00 | $2,800 | 4.0 |
Humana | H0028-028 | Humana Gold Plus H0028-028 (HMO) | $0.00 | $5,500 | 4.0 |
Humana | H0028-024 | Humana Gold Plus H0028-024 (HMO) | $0.00 | $4,900 | 4.0 |
Humana | H0028-027 | Humana Gold Plus H0028-027 (HMO) | $0.00 | $3,400 | 4.0 |
UnitedHealthcare | H2406-079 | AARP Medicare Advantage from UHC AZ-0012 (PPO) | $31.00 | $3,500 | 4.0 |
UnitedHealthcare | H2406-064 | AARP Medicare Advantage from UHC AZ-0009 (PPO) | $0.00 | $5,400 | 4.0 |
UnitedHealthcare | H2406-061 | AARP Medicare Advantage from UHC AZ-0006 (PPO) | $0.00 | $4,500 | 4.0 |
UnitedHealthcare | H2406-076 | AARP Medicare Advantage from UHC AZ-0010 (PPO) | $0.00 | $5,600 | 4.0 |
UnitedHealthcare | H2228-094 | AARP Medicare Advantage Choice Plan 2 (PPO) | $0.00 | $5,600 | 4.0 |
UnitedHealthcare | H2228-076 | AARP Medicare Advantage Choice Plan 1 (PPO) | $34.00 | $5,100 | 4.0 |
UnitedHealthcare | H2228-097 | AARP Medicare Advantage Walgreens Plan 3 (PPO) | $25.00 | $3,500 | 4.0 |
UnitedHealthcare | H2406-062 | AARP Medicare Advantage from UHC AZ-0007 (PPO) | $0.00 | $4,500 | 4.0 |
UnitedHealthcare | H2406-078 | AARP Medicare Advantage from UHC AZ-0011 (PPO) | $27.00 | $3,500 | 4.0 |
UnitedHealthcare | H2228-096 | AARP Medicare Advantage Walgreens Plan 2 (PPO) | $25.00 | $3,500 | 4.0 |
UnitedHealthcare | H2228-075 | AARP Medicare Advantage Walgreens Plan 1 (PPO) | $0.00 | $4,500 | 4.0 |
UnitedHealthcare | H2406-063 | AARP Medicare Advantage from UHC AZ-0008 (PPO) | $39.00 | $5,100 | 4.0 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Arizona County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Arizona by County
Choose your Arizona County below to see the best (and the worst) plans.
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Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Arizona
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Consider Your Expected Utilization
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.
2. Evaluate Your Prescription Costs
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Arizona Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Assess Your Need for Supplemental Coverage
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
4. Consider Your Healthcare Providers
Most Medicare Advantage plans available in Arizona use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
How much do Medicare Advantage plans cost in Arizona?
A Medicare Advantage plan in Arizona costs an average of $11.22. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.
What is every Medicare Advantage plan required to include?
All Medicare Advantage plans offered in Arizona must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "CMS Releases 2023 Medicare Advantage and Part D Star Ratings", Last Accessed October 6, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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