Medicare decisions made at 65 affect your healthcare — and your wallet — for decades. Arizona is one of the best states in the country for Medicare options, but more choices means more complexity. A licensed Arizona Medicare broker helps you get it right the first time, at no cost to you.
Your Medicare Timeline
Medicare enrollment isn't automatic for most people, and the timing rules are strict. Here's exactly what to expect in the months surrounding your 65th birthday.
Your 7-month Initial Enrollment Period (IEP) begins three months before the month you turn 65. This is the ideal time to enroll — plans selected in this window take effect on your birthday month, meaning no gap in coverage. Talk to a broker now to compare your Arizona plan options before you need to make a decision.
You're now eligible for Medicare. If you're receiving Social Security benefits, you'll be enrolled in Part A and Part B automatically and your Medicare card will arrive in the mail. If you're not yet receiving Social Security — common if you're still working — you need to actively enroll through SSA.gov or your local Social Security office.
Your 7-month window ends three months after your birthday month. Enrolling in Part B during this period — rather than at or before your birthday month — may delay your coverage start date by up to three months. If you miss this window entirely without qualifying for a Special Enrollment Period, you'll face a late enrollment penalty of 10% per year you were eligible but didn't enroll.
If you or your spouse is still working and covered by an employer health plan, you may be able to delay Medicare enrollment without penalty. When that employer coverage ends, you qualify for an 8-month Special Enrollment Period. This is a nuanced situation that varies by employer size — a Medicare broker can walk you through exactly how your specific situation affects your enrollment strategy.
Even after you're enrolled, every October 15 through December 7 is your opportunity to switch Medicare Advantage plans, change Part D drug coverage, or move between Medicare Advantage and Original Medicare. Arizona carriers update their plan benefits annually, so an annual review with your broker can identify savings or coverage improvements year after year.
Understanding Your Options
Once you have Medicare Parts A and B, you face the most consequential Medicare decision you'll make: do you enhance your coverage with a Medicare Advantage plan (Part C) or a Medicare Supplement (Medigap) policy?
Both approaches are legitimate and work well for different people. The right answer depends on your health status, how often you travel or split time between states, your preferred doctors and hospitals, and your budget. There is no universal best choice — which is exactly why an Arizona Medicare broker who knows both the local carrier landscape and your individual situation is so valuable.
Arizona is an unusually good state for Medicare Advantage specifically. The Phoenix and Tucson metro areas have deep carrier competition, which drives plan benefits up and premiums down. Many Arizona Medicare Advantage plans offer $0 monthly premiums with benefits that include dental, vision, hearing, and prescription drug coverage — advantages that make them particularly attractive for beneficiaries in good health who want to minimize monthly costs.
Medicare Supplement plans, on the other hand, offer predictability and freedom — no networks, no referrals, and the ability to see any Medicare-accepting provider nationwide. For those with complex health needs or who travel frequently, this flexibility often outweighs the higher monthly premium.
An all-in-one alternative to Original Medicare offered by private insurers approved by Medicare. Typically includes Part D drug coverage, and often dental, vision, and hearing — frequently at $0 monthly premium in Arizona metro areas.
A policy that works alongside Original Medicare to cover costs Medicare doesn't pay — like deductibles, copayments, and coinsurance. Standardized plans (Plan G and Plan N are most popular) are sold by private insurers at varying premiums.
Arizona Carrier Landscape
Arizona's Medicare market includes some of the most competitive carrier offerings in the Southwest. Here's an overview of the major players your broker will compare for you.
Arizona's dominant local carrier with deep provider relationships across Phoenix, Tucson, and rural areas. Strong network coverage and well-regarded customer service. Particularly competitive for Medigap plans and PPO Advantage options.
The nation's largest Medicare Advantage carrier with a strong Arizona footprint. AARP-branded Medigap plans are competitively priced. HMO and PPO Advantage options available across Maricopa and Pima counties with robust $0-premium plans.
Highly competitive Medicare Advantage plans in Arizona, frequently featuring $0 premiums, rich dental and vision benefits, and well-rated customer service. One of the top Advantage carriers in the Phoenix and Tucson markets.
Competitive Medicare Advantage offerings with CVS Health integration — particularly useful for beneficiaries who rely on CVS pharmacy network. Strong prescription drug plan options through the combined CVS network.
A newer Medicare Advantage carrier with consistently high member satisfaction scores and a strong focus on care coordination. Particularly notable in the Phoenix metro market where provider relationships are well-established.
A good option for those transitioning from Cigna employer coverage and familiar with the network. Competitive Medigap pricing and Medicare Advantage options in major Arizona markets. Worth comparing for existing Cigna members.
Prescription Drug Coverage
Medicare Part D is prescription drug coverage — and for most Medicare beneficiaries in Arizona, having it isn't optional. Even if you don't take many medications today, enrolling in a Part D plan when you first become eligible protects you from the late enrollment penalty and ensures you have coverage when you eventually need it.
If you choose Medicare Advantage, most plans include Part D coverage built in. If you choose Original Medicare with a Medigap supplement, you'll need to purchase a standalone Part D plan separately.
Part D plans vary significantly in which drugs they cover (their formulary), what pharmacies are in-network, and what your cost-sharing looks like across the four coverage phases. Your Arizona Medicare broker will review your current prescriptions against available plan formularies to find the plan that minimizes your total annual drug cost — not just the monthly premium.
Starting in 2025, the Inflation Reduction Act caps out-of-pocket prescription costs for Medicare Part D beneficiaries at $2,000 per year — a significant change that makes Part D more predictable and valuable for Arizonans with high drug costs.
If you go 63 or more consecutive days without creditable prescription drug coverage after your Initial Enrollment Period, you'll pay a permanent penalty added to your Part D premium — 1% of the national base beneficiary premium for every month you were without coverage. This penalty never goes away. Don't delay enrollment.
Part D plans move through a deductible phase, initial coverage phase, and catastrophic coverage phase. In 2025, the coverage gap ("donut hole") has been effectively eliminated for most beneficiaries.
The list of covered drugs and their tier placement changes every year. Annual review with your broker ensures your medications are still covered at the lowest cost-sharing tier available to you.
Part D plans negotiate different rates with different pharmacies. Using a preferred pharmacy in your plan's network can significantly reduce what you pay at the counter.
Arizona residents with limited income and resources may qualify for the Extra Help program, which pays most Part D costs including premiums, deductibles, and copays. A broker can determine your eligibility.
Starting in 2025, your annual out-of-pocket drug costs under Part D are capped at $2,000 — a major improvement for beneficiaries with expensive medications.
Arizona Snowbirds
Arizona is home to hundreds of thousands of part-year residents who winter here and spend summers elsewhere. Your Medicare coverage strategy needs to work in both places.
This is one of the most important and most overlooked Medicare decisions for part-year Arizona residents. The plan that works beautifully in Phoenix may leave you with limited or no coverage in Minnesota, Michigan, or wherever you spend your summers — and vice versa.
The right answer depends almost entirely on which plan type you choose. Medicare Advantage plans use provider networks, and those networks are generally geographically limited. Most HMO Advantage plans only cover out-of-network care in emergencies. PPO Advantage plans offer more flexibility but still at higher cost-sharing outside the network.
Original Medicare with a Medigap supplement, by contrast, covers you at any Medicare-accepting provider anywhere in the United States — making it the natural fit for snowbirds who need seamless coverage in two or more states without worrying about networks.
That said, some Medicare Advantage PPO plans have national PPO networks that provide meaningful coverage outside Arizona. A broker who works with snowbirds regularly knows which Arizona plans offer the strongest out-of-state coverage and can match your specific situation.
Covers you at any Medicare-accepting provider nationwide with no network restrictions. Plan G is the most comprehensive Medigap option and the most popular among Arizonans who travel extensively or split time between states.
Select PPO plans have national networks that provide coverage outside Arizona at in-network rates. Requires careful plan selection — not all PPO networks are equally strong in all states. A broker can identify which plans have meaningful coverage in your second state.
HMO plans are network-restricted to Arizona service areas. You'd have emergency coverage out of state, but routine and specialist care would be uncovered. Not a suitable choice if you spend significant time outside Arizona each year.
Most Part D plans include some out-of-network pharmacy coverage, but preferred rates apply at in-network pharmacies. Consider mail-order prescription services to ensure continuity regardless of where you are.
Common Questions
The questions Arizona residents turning 65 ask most often — answered clearly and without the insurance jargon.
A licensed Arizona Medicare broker will compare every option for your situation — at no cost to you, ever.
Talk to an Arizona Medicare Broker →