Looking for the best Medicare Advantage plan in Arizona? With dozens of plans available in most Arizona counties, choosing the right one can feel overwhelming. That’s where I come in.
I’m Michael Cubell, a licensed independent insurance agent serving Phoenix, Tucson, Mesa, Scottsdale, and Chandler, and all of Arizona. I compare plans from UnitedHealthcare, Humana, Aetna, Banner Health, and Alignment Health Plan to find the one that fits your doctors, your prescriptions, and your budget — at no cost to you.
What Is Medicare Advantage (Part C)?
Medicare Advantage is an alternative to Original Medicare offered by private insurance companies approved by Medicare. Instead of using Original Medicare (Parts A & B) separately, a Medicare Advantage plan bundles everything into one plan — often with extra benefits that Original Medicare doesn’t cover.
What Medicare Advantage Typically Includes:
- ✅ Hospital coverage (Part A)
- ✅ Medical coverage (Part B)
- ✅ Prescription drug coverage (Part D) — included in most MA plans
- ✅ Dental, vision, and hearing — often included at no extra cost
- ✅ Fitness benefits — gym memberships (SilverSneakers, Silver&Fit)
- ✅ Telehealth — virtual doctor visits
- ✅ Over-the-counter allowance — quarterly allowance for OTC medications and supplies
- ✅ Maximum out-of-pocket limit — Original Medicare has NO cap on what you pay; MA plans do
How Much Do Medicare Advantage Plans Cost in Arizona?
Here’s the surprising part: many Medicare Advantage plans in Arizona have a $0 monthly premium. You still pay your Part B premium (standard: $185/month in 2026), but the MA plan itself is often free.
| Plan Type | Typical Monthly Premium | What’s Included |
|---|---|---|
| HMO | $0–$30/mo | Must use in-network; referrals needed |
| PPO | $0–$60/mo | Can see any doctor; lower cost in-network |
| PFFS | $0–$50/mo | Any provider who accepts plan terms |
| SNP | $0/mo | For dual-eligible, chronic conditions, or institutional |
Medicare Advantage vs. Original Medicare + Medigap
| Feature | Medicare Advantage | Original Medicare + Medigap |
|---|---|---|
| Monthly cost | Often $0 premium | Part B + Medigap ($100-$300/mo) |
| Doctor network | Must use plan network (HMO) or preferred (PPO) | Any doctor who accepts Medicare |
| Rx coverage | Usually included | Need separate Part D plan |
| Extra benefits | Dental, vision, hearing, fitness | None (buy separately) |
| Out-of-pocket max | Yes (capped yearly) | Very low with Medigap (Plan G = $0 after deductible) |
| Best for | Budget-conscious, want extras, healthy | Want maximum flexibility, travel often, heavy healthcare use |
Not sure which path is right? I help Arizona residents compare both options side by side — no bias, no pressure. Read our full MA vs. Medigap comparison →
When to Enroll in Medicare Advantage in Arizona
- Initial Enrollment Period (IEP): 3 months before → your 65th birthday month → 3 months after
- Annual Enrollment Period (AEP): October 15 – December 7 (changes effective Jan 1)
- Open Enrollment Period (OEP): January 1 – March 31 (switch MA plans or go back to Original Medicare)
- Special Enrollment Period (SEP): Moving, losing employer coverage, qualifying for Medicaid, etc.
Top Medicare Advantage Carriers in Arizona
The major carriers offering MA plans in Arizona include UnitedHealthcare, Humana, Aetna, Banner Health, and Alignment Health Plan. Plan availability varies by county — which is why it’s important to check what’s available in your specific ZIP code.
Where We Serve in Arizona
Arizona’s large retiree population makes it one of the most competitive MA markets. We help families in:
…and every other city in Arizona. Everything is done by phone — no office visit needed.
Get Your Free Arizona Medicare Advantage Plan Comparison
- Call us at (919) 944-8443 or schedule a free consultation
- Tell us your ZIP code, current doctors, and prescriptions
- We’ll compare every MA plan available in your area and show you the best options
- You pick the plan that fits — or walk away with no obligation
Our service is 100% free. The insurance carriers pay us, not you. You’ll never pay more for a plan through us than you would going directly to the carrier.