Table of Contents

Medicare Plans by State

STATE -Select-
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Page Reviewed / Updated – December 23, 2023

For Arizona seniors who feel traditional Medicare doesn’t provide the value they need, Medicare Advantage is a great alternative to consider. Also referred to as Plan C, Medicare Advantage is offered through private insurance companies rather than the federal government. These companies are required to offer the same coverage as Medicare plans A and B at a minimum but are given freedom to decide on any additional benefits that may be included.

Because these insurance companies compete with each other to enroll eligible seniors, these plans often include extra coverage for prescriptions, vision, dental, hearing or even additional preventative care like fitness programs. When a senior is enrolled in Original Medicare, prescriptions are only covered if they choose to also enroll in Plan D, which adds a separate premium to their monthly expenses. Because Medicare Advantage coverage is all bundled under one plan, seniors only have to pay one premium, creating a more budget-friendly option without sacrificing needed benefits.

The trade-off for the benefits of Medicare Advantage, which often includes coverage for additional services, is typically the restriction of care to a designated network of facilities and providers. Plan C emphasizes this network-based approach, requiring enrollees to use specified facilities and providers for full coverage, with the option to seek care outside the network at higher costs. This network is typically confined within state borders, making Original Medicare coverage more advantageous for seniors frequently traveling across the country. As of July 2023, out of 1,449,611 eligible Arizona seniors, 49% have enrolled in Medicare Advantage, marking a 3.96% increase from the same period in 2022 and slightly surpassing the national enrollment average of 48%.

This guide is a starting point to learn more about Medicare Advantage, including eligibility guidelines and information to help compare Arizona options to make an informed decision about coverage.

The Top 10 Medicare Advantage Plans in Arizona

There are 157 Medicare Advantage Plans available to Arizona seniors, and each offer slightly different benefits and premiums. Every county in Arizona has a $0 premium Plan C option, so affordability is a strong selling point to consider, but there are other factors that can help narrow the selection pool.

The table below lists the 11 most popular Medicare Advantage providers in Arizona based on enrollment numbers. Cost information is provided in a range to cover multiple plan options offered by the same providing company. As of July 2023, the data in the table below is correct. For additional details on Plan C providers, has the most up-to-date information.



Medicare Star Rating

Monthly Cost Range

Plan Types

Blue Cross Blue Shield of Michigan



$0 – $30





$0 – $118





$0 – $34





$0 – $0


Wellcare by Allwell



$0 – $13


Aetna Medicare



$0 – $83


Blue Cross Blue Shield of Arizona Advantage



$0 – $51


Devoted Health



$0 – $28


Banner Medicare Advantage Prime



$0 – $0


Anthem Blue Cross and Blue Shield



$0 – $52


How Medicare Advantage Plans Work in Arizona

Medicare Advantage providers offer several types of plans, all of which have different rules regarding how members access care. Some plans require referrals, but others are a little more flexible. Certain plans also provide some coverage for out-of-network services. The graphic below provides details about the four most common types of Medicare Advantage Plans in Arizona.

Medicare Advantage Plan Types Graphic

What Medicare Advantage Plans Cover in Arizona

Medicare Advantage covers all medically necessary services covered by Original Medicare, including doctor visits, hospital care, X-rays, lab tests and preventive care. The only exception is hospice care, which is covered by Original Medicare instead of Medicare Advantage. Some providers even offer extra benefits to make their plans more attractive to Medicare-eligible residents of Arizona.

Coverage Available With Medicare Parts A & B?

Coverage Available With Medicare Advantage?

Preventive Screenings



Hospital Care



Durable Medical Equipment



Prescription Drugs



Vision Care



Dental Care



Hearing Aids



*Select plans offer this coverage

** Most plans offer this coverage

Eligibility for Medicare Advantage in Arizona

To enroll in a Medicare Advantage Plan, an Arizona resident must live in the plan’s service area, have Medicare Part A and Part B coverage and meet other basic eligibility requirements. Medicare is available to U.S. citizens and lawful immigrants who are at least 65 years old or qualify for Medicare at a younger age due to end-stage kidney failure, amyotrophic lateral sclerosis (ALS) or another type of disability. Like other types of insurance, Medicare Advantage doesn’t offer year-round enrollment. Therefore, it’s important to plan carefully when enrolling in Medicare Advantage for the first time or switching plans. The list below provides important details about enrollment timing for Medicare Advantage.

  • Initial Coverage Election Period: This is the initial 7-month period, coinciding with one’s 65th birthday, during which everyone is eligible to enroll in a Medicare Advantage plan.
  • Annual Election Period (AEP): Also referred to as the Open Enrollment Period, this the time of year when anyone over 65 can enroll in Medicare Advantage for the first time or change to a new plan.
  • Medicare Advantage Open Enrollment Period: During this period, those who are already enrolled in Medicare Advantage can switch to a different plan or switch back to Original Medicare.

Start Date

End Date

Initial Coverage Election

3 Months Before One’s
65th Birth Month

3 Months After One’s
65th Birth Month

Annual Election Period

October 15th

December 7th

Medicare Advantage Open
Enrollment Period

January 1st

March 31st

Additionally, Medicare Advantage plan participants can change their plan outside of these enrollment periods under certain qualifying circumstances, such as moving to a new state.

How to Find & Choose a Medicare Advantage Plan in Arizona

Navigating the many intricacies of Medicare Advantage plan types, insurers, and the specific plan options available by region can be a difficult and time-consuming task. Below are several resources we’ve created to help you through the process.

First is a downloadable PDF that you can use as a guide to help you compare plans as you research. Finally, we have listed a number of organizations that you can contact with experts that will help you determine whether Medicare Advantage is right for you and what plans you should consider.

Choose a Medicare Advantage Plan

State-Wide Medicare Advantage Resources

State Health Insurance Assistance Program (SHIP) 

Arizona’s DES Division of Aging and Adult Services administers the State Health Insurance Assistance Program, a free Medicare counseling program. Also known as SHIP, this program aims to educate and empower Medicare-eligible adults and their families by providing unbiased information about Medicare Advantage plans, benefits and costs. SHIP is delivered through a network of trained and vetted volunteer counselors who provide one-on-one counseling sessions, both in-person and over the phone. SHIP counselors are located throughout the state, and most are based in local senior centers and nonprofit organizations. 

Contact Info

To find a local SHIP counselor, seniors can call the statewide toll-free SHIP hotline at 1-800-432-4040 or visit their nearest seniors’ center. 

Arizona Legal Assistance Program

Established in accordance with the federal Older Americans Act, Arizona’s Legal Assistance Program provides seniors aged 60 and older with legal information, advice and advocacy related to civil matters, such as health care, guardianship and estate planning. The program aims to help seniors maintain their independence and financial security by ensuring older adults have access to free and low-cost legal assistance. 

Contact Info

To learn more about Arizona’s Legal Assistance Program, seniors can contact their local Area Agency on Aging. A complete list of all Area Agencies on Aging can be found on the Arizona Department of Economic Security website. 

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Senior Medicare Patrol (SMP)

Arizona’s Senior Medicare Patrol program works to protect Medicare beneficiaries against fraud, abuse and billing errors. Professionally-trained SMP staff and screened volunteers provide seniors with information about Medicare scams, such as illegal marketing, double-billing, identity theft and claims for unnecessary services. SMP workers host free community seminars, answer calls and emails from Medicare members and meet with seniors on a one-to-one basis to review complaints and concerns related to Medicare. If illegal activity is suspected, SMP will escalate complaints to the appropriate authorities. 

Contact Info

To contact the Arizona Senior Medicare Patrol, seniors can call the SMP Helpline at 1-800-432-4040. 

Arizona Area Agencies for Aging

The Arizona Association of Area Agencies on Aging is a network of seven regional agencies that work to create and maintain resources for older adults. These agencies are located throughout the state and are actively involved in elder advocacy at the local, state and federal level. The focus of these AAAs is to improve access to services designed to help seniors maintain their dignity, independence and community involvement. 

Contact Info

Seniors can connect with their local AAA by calling 1-928-298-2574 or by completing the online contact form on the Arizona Association of Area Agencies on Aging website. 

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Arizona Center for Disability Law

Arizona seniors who live with physical, psychiatric, cognitive, sensory or mental disabilities who require legal support with disability-related issues can contact the Arizona Center for Disability Law. The ACDL is a nonprofit, public interest law firm that provides a range of legal services including education, advocacy and representation. ACDL has a series of free self-advocacy guides that include plain language advice on managing dual insurance coverage, such as Medicare Advantage Dual Special Needs Plans. 

Contact Info

For more information, visit the ACDL website or call 1-800-922-1447 from the Tucson area or 1-800-927-2260 in the Phoenix area. 

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Local Medicare Advantage Resources

Pima Council on Aging

The Pima Council on Aging is a nonprofit organization that provides free and low-cost programs for seniors in Pima County. The Council maintains an online database of current resources for older adults, and certified information and referral specialists are available to help seniors connect with community supports. Seniors and their family members can enroll in a free two-hour Understanding Medicare presentation that provides an overview of Medicare benefits and plans, including Medicare Advantage plans. The presentation is followed by a one-hour Q&A session, and one-on-one Medicare counselors are available to meet with seniors who need more information about Medicare Advantage. 

Contact Info

To view the Understanding Medicare presentation online, visit the Pima Council on Aging’s website. To schedule an appointment with a Medicare counselor, call PCOA’s Medicare line at 1-520-790-7262. 

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City of Phoenix – Senior Centers

The City of Phoenix operates 15 senior centers that provide low-cost and free programming and services designed to help older adults remain active in their communities. In addition to offering a variety of social and recreational opportunities, these centers host nutrition programs and health screening clinics for seniors. Centers also provide one-on-one case management services to seniors that may include help with Medicare Advantage plans, rental assistance and referrals to area resources. 

Contact Info

Seniors in Phoenix can find contact information for their nearest Senior center on the City of Phoenix, Human Services website, or by calling 1-602-262-7379.

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