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13 qualifying life events that trigger ACA special enrollment
Outside of open enrollment, a special enrollment period allows you to enroll in an ACA-compliant plan (on or off-exchange) if you experience a qualifying life event.

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Finalized federal rule reduces total duration of short-term health plans to 4 months
A finalized federal rule will impose new nationwide duration limits on short-term limited duration insurance (STLDI) plans. The rule – which applies to plans sold or issued on or after September 1, 2024 – will limit STLDI plans to three-month terms, and to total duration – including renewals – of no more than four months.
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Medicare in Arizona

Arizona Medicare

Key Takeaways

Arizona Medicare

Medicare enrollment in Arizona

As of March 2023, there were 1,444,389 residents with Medicare in Arizona,1 amounting to nearly 20% of the state’s population.4

For most people, Medicare enrollment goes along with turning 65. But a disability that lasts at least two years also triggers Medicare eligibility, as does a diagnosis of kidney failure or ALS. In Arizona, nearly 10% of Medicare beneficiaries are under 65 — and enrolled due to a qualifying disability, end-stage renal disease, or ALS — while about 90% are eligible due to their age.1 Nationwide, about 12% of all Medicare beneficiaries are eligible due to a disability, but there is some state-by-state fluctuation.5

 


Explore our other comprehensive guides to coverage in Arizona

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Frequently asked questions about Medicare in Arizona

Frequently asked questions about Medicare in Arizona

What is Original Medicare?

Original Medicare, which includes Medicare Part A (hospital coverage) and Medicare Part B (outpatient/medical coverage) is a federal program that does not vary from state to state. So overall Medicare eligibility in Arizona and Medicare enrollment in Arizona both work the same way they do in every state. For people who aren’t yet receiving Social Security benefits and thus aren’t automatically enrolled when they turn 65, the Medicare application in Arizona is available through the Social Security Administration, as is the case nationwide.

But the availability and pricing of private Medicare coverage, including Medicare Advantage plans, Medigap plans, and Medicare Part D plans, does vary from one state to another.

What is Medicare Advantage?

In most areas of the country, Medicare beneficiaries can choose whether they want to use Original Medicare (coverage provided directly by the federal government) or enroll in a private Medicare Advantage plan. Medicare Advantage plans cover all of the benefits provided by Medicare Parts A and B (although the out-of-pocket costs will differ, as will access to medical providers), and most also include Part D coverage for prescription drugs.

Medicare Advantage plans may include extra benefits, such as dental and vision coverage, and care management programs that can help beneficiaries manage chronic conditions.

About 49% of Arizona Medicare beneficiaries had Medicare Advantage coverage as of early 2023,1 compared with an average of 48% nationwide.5 Most of the rest of the state’s Medicare beneficiaries had coverage under Original Medicare, but there are also some enrollees in Arizona who have Medicare Cost plans.

Nationwide, enrollment in Medicare Advantage plans has been steadily increasing. Total enrollment in private Medicare plans, including Medicare Advantage and Medicare Cost plans, stood at 712,637 in Arizona as of early 2023, which was about 49% of the state’s total Medicare population1 (nationwide, about 48% of beneficiaries were enrolled in private plans at that point, with the rest in Original Medicare).5

There are Medicare Advantage plans for sale statewide in Arizona for 2023, but plan availability varies considerably from one part of the state to another. In Navajo and Apache counties, there are 12 plans available, but residents in Maricopa County can select from among 66 different Medicare Advantage plans.6

Medicare Advantage enrollment is available when a person is initially eligible for Medicare, and there’s also an annual enrollment window. Each fall, the Medicare annual election period, from October 15 to December 7, gives Medicare beneficiaries the option to switch between Medicare Advantage and Original Medicare. And people who are already enrolled in Medicare Advantage plans also have access to a Medicare Advantage open enrollment period (January 1 to March 31) during which they can switch to a new Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare instead.

What are Medigap plans?

Original Medicare beneficiaries who want help paying some or all of their out-of-pocket costs can purchase Medigap plans (also known as Medicare supplement insurance plans). Medigap plans are issued by private insurers but are standardized under federal rules, with ten different plan designs (differentiated by letters, A through N). The standardization makes it fairly easy to compare plans – plans can differ in price and in things like customer service, but the benefits offered by Plan A, Plan C, Plan G, etc. are the same regardless of which insurer offers the coverage.

Unlike Medicare Advantage and Medicare Part D plans, there is no annual open enrollment period for Medigap plans. Instead, federal regulations allow for a six-month guaranteed-issue window that begins when a person is 65 and enrolled in Medicare Part B. After a person’s enrollment period ends (and unless the person qualifies for one of the limited guaranteed-issue rights), Medigap insurers can use medical underwriting to determine whether an applicant is eligible for coverage, and if so, at what price.

Federal rules do not grant a guaranteed issue open enrollment period for Medigap if the applicant is under 65 and enrolling in Medicare as a result of a disability. The majority of the states have implemented rules ensuring at least some access to Medigap plans for enrollees who are under the age of 65, but Arizona is not among them.

As of October 2022, there were 77 insurers licensed to sell Medigap plans in the state, and the AZ Department of Insurance list indicated that none of them were offering coverage to people under the age of 65.7 Medicare.gov’s plan finder tool showed that one insurer does offer Medigap coverage (Plan A only) to people under age 65 in Arizona as of 2023, albeit up to $1,000 higher than the price that the insurer charges a person who is 65.8

People under age 65 who have Medicare in Arizona do have the option to enroll in a Medicare Advantage plan (this includes beneficiaries with end-stage renal disease; prior to 2021, people with ESRD could not join most Medicare Advantage plans, but that is no longer the case). Medicare Advantage plans do not vary their premiums based on medical history, and they do have built-in out-of-pocket caps, so they may appeal to some disabled Medicare beneficiaries who would otherwise have Original Medicare without any caps on out-of-pocket costs. But there are pros and cons to Medicare Advantage, and enrollees should be aware of all of the details before selecting a plan.

Disabled Medicare beneficiaries qualify for a Medigap open enrollment period once they turn 65. At that point, they can enroll in any Medigap plan available in their area, without medical underwriting.

What is Medicare Part D?

Original Medicare does not cover prescription drugs. Some beneficiaries have employer-sponsored coverage to supplement their Medicare, and this often provides prescription coverage. But enrollees without this option need to obtain prescription coverage under Medicare Part D. Part D coverage can be purchased on its own, as a stand-alone plan, or as part of a Medicare Advantage plan that includes Part D prescription drug coverage. (Note that dual-eligibles, who are covered by both Medicare and Medicaid, receive their prescription coverage via Part D.)

For 2023, insurers in Arizona are offering 28 stand-alone Part D plan options.9 With the lowest monthly premiums starting at $5.40/month.10

449,821 Arizona Medicare beneficiaries had stand-alone Part D plans as of 2022, and another 633,558 had Part D coverage as part of their Medicare Advantage plans.11

The annual Medicare open enrollment period (October 15 to December 7) is an opportunity for Medicare beneficiaries to change their Part D coverage if they choose to do so. Any changes made during this window will take effect on January 1 of the coming year. Beneficiaries are encouraged to compare all of the available plans each year, as the plan options may have changed since last year, as might have the enrollee’s prescription needs.

How does Medicaid provide financial assistance to Medicare beneficiaries in Arizona?

Many Medicare beneficiaries receive financial assistance through Medicaid with the cost of Medicare premiums, prescription drug expenses, and services not covered by Medicare – such as long-term care.

Our guide to financial assistance for Medicare enrollees in Arizona includes overviews of these benefits, including Medicare Savings Programs, long-term care coverage, and eligibility guidelines for assistance.

What additional resources are available for Medicare beneficiaries and their caregivers in Arizona?

You can contact the Arizona State Health Insurance Assistance Program (SHIP), with questions related to Medicare coverage in Arizona or for help with Medicare enrollment in Arizona.

The Arizona Department of Insurance and Financial Institutions can provide assistance and customer service related to health coverage in the state. This is the agency that licenses and regulates health insurance companies as well as the agents and brokers who sell policies in the state.

The Medicare Rights Center is a nationwide service, with a website and call center, where Medicare beneficiaries and their caregivers can get information and answers to questions about Medicare benefits, eligibility, and enrollment.


Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org.

 

Footnotes

  1. Medicare Monthly Enrollment – Arizona.” Centers for Medicare & Medicaid Services Data. Accessed July 9, 2023.       
  2. Supplement Insurance (Medigap) Plans in Arizona.” Medicare.gov. Accessed July 9, 2023. 
  3. Supplement Insurance (Medigap) Plans in Arizona, Plan A.” Medicare.gov. Accessed July 9, 2023. 
  4. U.S. Census Bureau Quick Facts: Arizona.” United States Census Bureau, July 1, 2022. 
  5. Medicare Monthly Enrollment – National.” Centers for Medicare & Medicaid Services Data, March 2023.   
  6. Fuglesten Biniek, Jeannie, Meredith Freed, and Tricia Neuman. “Medicare Advantage 2023 Spotlight: First Look.” Kaiser Family Foundation, November 10, 2022. 
  7. Medicare Supplement Insurance Carriers – PDF”. Arizona Department of Insurance, October 13, 2022. 
  8. Supplement Insurance (Medigap) Plans in Arizona.” Medicare.gov. Accessed July 9, 2023 
  9. An Overview of the Medicare Part D Prescription Drug Benefit.” Kaiser Family Foundation, October 19, 2022. 
  10. Fact Sheet – Centers for Medicare & Medicaid Services | CMS, September 29, 2022. 
  11. Medicare Beneficiaries Enrolled in Part D Coverage.” Kaiser Family Foundation, August 3, 2022.