2025 Medicare Advantage in Arizona

Quick links:

• Average 2025 Costs
• Eligibility & Enrollment
• Finding Top-Rated Plans
• Medicare Advnatage Plans by County
  • Plans by Carrier
  • Plans by Type
• Local Resources

There are 98 different Arizona Medicare Advantage (Medicare Part C) plans offered in Arizona for 2025.² Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Arizona. Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage in Arizona

The average premium for a Medicare Advantage plan in Arizona is $7.64 per month for 2025.²

Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.

You can view the 2025 average Arizona Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

We represent carriers such as Humana, Aetna, UHC, Anthem BCBS*, Wellcare, Cigna Healthcare, and Kaiser Permanente.

List of Medicare Advantage plans in Arizona

The following table includes cost information and other plan details for Medicare advantage plans available in Arizona in 2025. The plans listed are only representative of plans offered by TZ Insurance Solutions LLC. We do not offer every plan available in your area.

Medicare Eligibility & Enrollment

If you want to enroll in Medicare Advantage in Arizona, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

• You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.
  
  
• You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.
  
  
• You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

• You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.
  
  
• You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).
  
  
• You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be able to enroll in a Medicare Advantage plan or an Arizona Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan

Your first opportunity to enroll in a Arizona Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Your Medicare IEP starts three months before your 65^th birthday. It includes the month of your 65^th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Fall Medicare Open Enrollment Period (also called the Annual Enrollment Period): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During the fall open enrollment period, you may also join, switch or drop a Medicare Part D plan.

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Top-rated Medicare Advantage Plans in Arizona 2025

Each year, the Centers for Medicare & Medicaid Services (CMS) issues star ratings for all Medicare Advantage plans using a system of one to five stars.

In order for a Medicare Advantage plan to be designated as a top-rated plan, it must have four or more stars out of five stars.

60.3% of 2024 MA plans in Arizona that include prescription drug coverage were rated 4 stars or higher.²

Medicare Advantage plans are rated in the following five categories:

• Preventive care and health maintenance (screenings, tests, vaccines, etc.)
• Management of chronic conditions
• Member experiences and ratings of the plan
• Member complaints, problems receiving services and member retention
• Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

Private insurance companies offer Medicare Advantage plans in Arizona

Multiple insurance carriers may offer Medicare Advantage plans in Arizona, depending on where you live.

Some of the insurance companies who offer Medicare Advantage plans in Arizona include:

• Humana
• Aetna
• UHC
• Wellcare
• Cigna Healthcare

This is not a comprehensive list of all the insurance companies that offer Medicare Advantage plans where you live. You can visit Medicare.gov to see a full list of insurance companies who offer Medicare Advantage plans where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare some of the Medicare Advantage plans that are sold in your area.

When you’re shopping for Medicare Advantage plans in Arizona, you can compare plans from several different carriers by using some of the following information:

• The Medicare Star Ratings can give you an idea of a plan’s overall quality.
  
  
• Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.
  
  
• Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.
  
  
• You can read through Medicare Advantage plan reviews and testimonials from customers.

Arizona Medicare Advantage plans by county

Learn more about 2025 Arizona Medicare Advantage plans by county.

• Apache County Medicare Advantage Plans
• Cochise County Medicare Advantage Plans
• Coconino County Medicare Advantage Plans
• Gila County Medicare Advantage Plans
• Graham County Medicare Advantage Plans
• Greenlee County Medicare Advantage Plans
• La Paz County Medicare Advantage Plans
• Maricopa County Medicare Advantage Plans
• Mohave County Medicare Advantage Plans
• Navajo County Medicare Advantage Plans
• Pima County Medicare Advantage Plans
• Pinal County Medicare Advantage Plans
• Yavapai County Medicare Advantage Plans
• Yuma County Medicare Advantage Plans

AZ Medicare Advantage plans by plan type

The major types of Medicare Advantage plans include:

• HMO
  A Health Maintenance Organization (HMO) will typically require beneficiaries to use health care providers and pharmacies that are inside of the plan’s network (except in the case of emergencies). Medicare HMO plans also typically require a referral from a primary care doctor in order to see a specialist.
  
  
• PPO
  Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) can often visit providers outside of their plan’s network, though typically at a higher cost.
  
  Beneficiaries in a Medicare PPO plan typically pay less out of pocket if they receive medical services from providers within their plan network.
  
  PPO plans typically do not require patients to acquire a referral before visiting with a specialist.
  
  
• PFFS
  A Private Fee-For-Service (PFFS) plan will determine how much it pays to health care providers and how much you the beneficiary will pay at the point when care is received.
  
  With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts Medicare and your plan’s terms. However, not all providers will accept your plan terms.
  
  
• SNP
  A Special Needs Plan (SNP) is a type of Medicare Advantage plan that is limited to people with certain specific characteristics or chronic conditions.
  
  Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care, or when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Each of these types of Part C plans may not be available in your area. A licensed insurance agent can help you compare the types of 2025 Arizona Medicare Advantage plans that are available where you live.

Local health insurance resources in Arizona

• Arizona’s State Health Insurance Assistance Program can help provide education and counseling to beneficiaries in order to help them better utilize their Medicare insurance and empower them to make informed decisions. Arizona’s SHIP may be contacted at 800-432-4040.
  
  
• You can also explore more information about the insurance industry in Arizona by visiting the state’s Department of Insurance website.
  
  
• Arizona Prescription Drug Assistance Programs
  The state of Arizona has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.