Best Medicare Supplement Plans in Arizona 2026
Arizona has over 352,000+ Medigap enrollees. Plan G starts at just $106/mo in Phoenix. We compared 30+ carriers to find the best coverage for retirees in the Grand Canyon State.
Arizona Is One of the Top Retirement States in the Country
Arizona's Medicare population has grown to over 1.5 million - fueled by retirees moving to Phoenix, Scottsdale, Tucson, Sun City, and Sedona. With over 352,000 Medigap enrollees and Plan G starting at just $106/mo/mo in Phoenix, Arizona offers competitive rates and a wide selection of carriers. Enrolling during your Open Enrollment Period at 65 is the best way to lock in coverage without medical underwriting.
More than 352,000 people in Arizona have Medicare Supplement Insurance, or Medigap. Arizona is one of the top retirement destinations in the country, with Phoenix, Scottsdale, Tucson, and Sun City attracting retirees from across the nation. With over 30 carriers licensed in the state, Arizona offers a competitive Medigap market where Plan G starts at just $106 per month in Phoenix.
Plan G is the most popular Medicare Supplement plan for new enrollees in Arizona. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Arizona uses attained-age rating, meaning premiums increase as you age, so enrolling during your 6-month Open Enrollment Period at age 65 is the best way to lock in the lowest possible rate. Unlike California or Missouri, Arizona has no birthday rule or anniversary rule. Your OEP is your primary guaranteed-issue window.
Compare the Best Medicare Supplement Plans in Arizona
Our top-rated Medigap carriers in Arizona, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Phoenix. Rates in Tucson, Scottsdale, and other regions may vary.
Mutual of Omaha
Plan G
$138/mo
Plan N
$99/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier in Arizona, combining financial strength with outstanding customer service. Their U.S.-based claims team and 7% household discount make them the go-to choice for Arizona retirees who want reliability over the lowest possible premium.
AARP / UnitedHealthcare
Plan G
$148/mo
Plan N
$108/mo
AM Best
A
AARP/UnitedHealthcare is the largest Medicare Supplement insurer in Arizona by enrollment. Their broad plan selection and added member benefits like a 24/7 nurse hotline make them a strong choice, though premiums run higher than budget options.
Cigna
Plan G
$106/mo
Plan N
$78/mo
AM Best
A
Cigna offers the lowest Plan G premium in the Phoenix market at $106/mo, making them attractive for budget-conscious enrollees. Their complaint ratio runs higher than Mutual of Omaha or AARP/UHC. Best for healthy enrollees who want to minimize monthly costs and are comfortable shopping again in a few years.
Humana
Plan G
$132/mo
Plan N
$95/mo
AM Best
A-
Humana stands out in Arizona for including the SilverSneakers fitness benefit, which gives members free access to thousands of gyms and fitness centers statewide. For active Arizona retirees in Sun City, Scottsdale, or Tucson, the fitness perk adds real value on top of solid Medigap coverage.
Wellabe
Plan G
$119/mo
Plan N
$87/mo
AM Best
A-
Wellabe (formerly Medico) offers a compelling middle ground in Arizona: cheaper than Mutual of Omaha and AARP/UHC, with a much better complaint record than Cigna. For Arizona enrollees who want to save money without taking on the service risk of the cheapest option, Wellabe is worth a quote.
Medicare Supplement Prices in Arizona
Sample monthly premiums from top carriers in Phoenix. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Arizona uses attained-age rating, so premiums will increase as you age. Tucson and Scottsdale rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Cigna | $106 | $78 | $125 |
| Wellabe | $119 | $87 | N/A |
| Humana | $132 | $95 | $157 |
| Mutual of Omaha | $138 | $99 | $162 |
| AARP / UnitedHealthcare | $148 | $108 | $171 |
| Bankers Fidelity | $125 | $90 | $147 |
| NHIC | $118 | $85 | $140 |
| State Farm | $144 | $103 | N/A |
Lowest available in Arizona (Phoenix): Plan G from $106/mo | Plan N from $78/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in Arizona
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Arizona. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Phoenix) | $106–$148 | $78–$108 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
In Arizona, Cigna is cheapest at $106/mo, but Mutual of Omaha at $138/mo is the better long-term value. Cigna's complaint ratio runs higher than most competitors, and their rate increases have been steeper in recent years. Mutual of Omaha brings an A+ AM Best rating, U.S.-based customer service, and a 7% household discount if your spouse or partner also enrolls. Humana is worth a look if you are an active retiree in Scottsdale or Sun City, since their SilverSneakers benefit gives you free access to thousands of gyms statewide. Arizona has no birthday rule, so your 6-month Open Enrollment Period at age 65 is your best chance to lock in coverage without medical underwriting.
Arizona Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule
Arizona does not have a birthday rule or anniversary rule. Unlike California (birthday rule) or Missouri (anniversary rule), Arizona only guarantees your right to enroll in any Medigap plan without medical underwriting during your 6-month Open Enrollment Period when you first turn 65 and enroll in Medicare Part B. After that window closes, insurers can deny coverage or charge higher premiums based on health conditions.
Attained-Age Rating Standard
Most Arizona Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your age when you enrolled, are available from select carriers and may save money long-term for enrollees who plan to keep the same carrier for many years.
Household Discount Available
Many Arizona carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Cigna, Humana, Anthem, and Wellabe. Always ask about the household discount when getting quotes.
Arizona DIFI Regulates Medigap
The Arizona Department of Insurance and Financial Institutions (DIFI) oversees all Medigap policies sold in the state. Carriers must file rate changes and receive approval before implementing increases. You can verify carrier licenses and file complaints at insurance.az.gov.
Free Counseling via Arizona SHIP
Arizona's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-432-4040 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Arizona market average
Plan Availability
Number of plan types offered in Arizona
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, NerdWallet
Frequently Asked Questions
Find the Best Medigap Rate in Your Arizona ZIP Code
Arizona has a competitive Medigap market with over 30 carriers and Plan G starting at just $106/mo in Phoenix. Enter your ZIP code to see exact rates from all available carriers in your area. Remember, your Open Enrollment Period is the best time to lock in coverage without medical underwriting.