In Arizona, there are 1,279,721 enrolled in Medicare. Among those beneficiaries, 56% are female, while 44% are male. In this article, we’ll review the various Medicare plans available in Scottsdale, Arizona.
Medicare plans in Scottsdale, Arizona
Medicare in Arizona works the same way it does in every other state. Scottsdale residents benefit significantly by enrolling in supplemental Medicare plans, which help cover extra medical expenses. Medicare Advantage and Medigap are both great options that are available to beneficiaries. The rates below are based on a female beneficiary aging into Medicare at 65.
Medicare Advantage plans
The participation rate for Medicare Advantage in Arizona is abundant in Scottsdale. Currently, beneficiaries will have access to 39 Medicare Advantage plans.
One of Scottsdale’s more affordable Medicare Advantage plans includes UnitedHealthcare (HMO). They have a 4-star rating, a $0 premium, and a maximum out-of-pocket limit of $3,000.
BCBS of Arizona also offers an HMO plan with a $0 monthly premium. However, it comes with a higher MOOP limit of $4,250 and only has a 3-star rating.
Aside from the MOOP limit and star ratings, there are other factors to consider. For example, the MOOP limit doesn’t matter if your doctor is not in the plan’s network.
Humana offers a PPO plan. It has a 4-star rating with a maximum out-of-pocket limit of $4,400.
You want a PPO plan for those looking for a program that will allow them to choose their doctor. Humana and Aetna and many other carriers in the area offer a PPO plan that will give that flexibility.
The average cost of Medicare Advantage plans in Scottsdale, Arizona
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $4,400 | LOCAL PPO | 4 |
| $0 | $3,000 | HMO | 4 | |
| Banner | $0 | $2,775 | HMO | N/A |
| BCBS of Arizona | $0 | $4,250 | HMO | 3 |
| Aetna | $0 | $5,500 | LOCAL PPO | 4 |
Medicare Supplement plans
An Arizona Medigap plan is a great option for supplemental Medicare coverage. Unlike Medicare Advantage plans, they don’t have doctor networks or unpredictable cost-sharing, and these plans have the exact same coverage regardless of the insurance company.
Medigap Plan G will benefit you most if you’re newly eligible for Medicare. The only cost it doesn’t cover is the Part B deductible. The lowest premium for Plan G is $121, while the highest is $436.45. However, most will not pay more than $200 monthly for Plan G.
For beneficiaries eligible for Medicare before 2020, you can enroll in Plan F. Plan F is considered a first-dollar coverage plan. The only cost you’ll ever have is the monthly premium. In Scottsdale, the lowest premium is $137.85. The highest is $471.97.
A high-deductible version is an excellent option for those who like the benefits of Plan G but not the monthly premium. The premium ranges between $31.82 and $63.87.
It’s important to consider other factors aside from the monthly premium. The plan with the lowest premium may not give you the necessary benefits. Make sure to compare the benefits of each letter plan side by side before choosing one.
The average cost of Medicare Supplement plans in Scottsdale, Arizona
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $99.17 | $443.74 |
| PLAN B | $145.90 | $338.55 |
| PLAN C | $148.10 | $373.75 |
| PLAN D | $142.17 | $307.00 |
| PLAN F | $137.85 | $471.97 |
| PLAN HDF | $43.68 | $64.87 |
| PLAN G | $121.00 | $436.45 |
| PLAN HDG | $41.49 | $63.87 |
| PLAN K | $41.88 | $140.00 |
| PLAN L | $81.50 | $277.62 |
| PLAN M | $91.08 | $314.91 |
| PLAN N | $95.09 | $321.56 |
Medicare Part D prescription drug plans
Part D prescription drug plans in Arizona will cover the medications you pick up at your local pharmacy. Arizona has several excellent options for Medicare Part D plans with low monthly premiums.
One of the most affordable plans available is offered by Aetna. It comes with a monthly premium of $7.50 and has a $480 annual deductible. However, it only has a 3-star rating.
Humana offers a top-rated 4-star plan. However, it comes with a higher monthly premium of $22.70. There’s also an annual deductible of $480.
As always, it’s essential to consider other factors outside the premium-deductible and star rating. You may find that the lowest premium plan doesn’t cover your prescription medications.
The average cost of Medicare Part D plans in Scottsdale, Arizona
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.50 | $480 | 3 |
| Wellcare | $13.00 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| $27.60 | $310 | 4 | |
| Clear Spring | $29.10 | $480 | 2 |
Special Needs plans
Special Needs Plans (SNPs) are plans for people with disabilities. These plans are for beneficiaries with institutional-level needs, chronic disabilities, and special needs. Medicare Special Needs Plans are available with many carriers. All SNP plans below to have a zero-dollar monthly premium.
Globalhealth offers an HMO SNP plan with a $2,900 maximum out-of-pocket limit. Banner also provides an HMO SNP plan with a $2,900 MOOP limit.
The Average cost of Medicare Special Needs plans in Scottsdale, Arizona
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Globalhealth | $0 | $2,900 | HMO | Chronic or Disabling |
| Alignment | $0 | $2,499 | HMO | Chronic or Disabling |
| Magellan | $0 | $7,550 | HMO | Dual |
| Banner | $0 | $2,900 | HMO | Dual |
| Scan Desert | $0 | $2,800 | HMO | Chronic or Disabling |
How to sign up for Medicare plans in Scottsdale, Arizona
Every Medicare beneficiary needs some form of supplemental Medicare coverage. Whether you would like to enroll in a Medicare Advantage, Medigap, or Part D plan, we can help.
Our services are completely free. We work with all the top carriers in Arizona to ensure you get the best plan at the best rate. Give us a call at the number above. Or, complete our online rate form to get rates now.
