Medicare Supplement

Before You Compare Medigap in Chandler for 2026

CHANDLER, Ariz. — If you have a Medigap policy in Chandler, or you are shopping for one this fall, a few things shift with the calendar. The list of standardized plan letters you can buy depends on when you first became eligible for Medicare. The Part B deductible — the number that Plans G and N are built around — resets every January. And Arizona insurers file new Medigap rates with the state each year, so the premium on your renewal notice may not match what you paid last year. Here is a plain-language look at what is changing for 2026 and what stays the same.

Which plan letters you can buy depends on your eligibility date

Medigap plans are standardized by letter, and the federal rules control who can buy which letter.

• If you became eligible for Medicare before January 1, 2020, you can still buy or keep Plans C and F (the two plans that cover the Part B deductible).
• If you became eligible on or after January 1, 2020, those two plans are closed to you. The letters open to newly eligible Arizonans today are A, B, D, G, G-HD, K, L, M, and N.

That rule has not changed for 2026, but it trips up a lot of Chandler readers who see an older neighbor on Plan F and assume it is still an option for them. It usually is not.

The Part B deductible resets every January — and that matters for Plans G and N

Plan G and Plan N are the two most popular letters for people newly eligible today. Both work the same way in one important respect: you pay the Part B deductible yourself, and then the plan picks up most of what Original Medicare leaves behind.

Every January 1, that Part B deductible resets to the new year's amount, which CMS announces each fall. So if you had a doctor visit in late December that used up last year's deductible, you start over on January 1. This is not a Medigap rule change — it is how Part B works — but because G and N are designed around that number, it is the figure to look up before you compare policies. You can see the current amount at medicare.gov.

If a Part B–deductible plan is important to you and you were eligible before 2020, Plan C and Plan F are still sold in Arizona by a handful of carriers listed in the table below.

Rate-filing season: why your renewal premium may look different

Medigap benefits are set by federal law, but premiums are not. In Arizona, each insurer files its proposed Medigap rates with the Arizona Department of Insurance and Financial Institutions (DIFI). Filings typically land in the months before a rate takes effect, and your renewal notice will reflect whatever the department has accepted for your carrier and plan.

A few things worth knowing:

• Two people on the same plan letter, with the same insurer, can pay different premiums based on age, tobacco use, ZIP code and how the policy is rated (issue-age, attained-age or community-rated).
• A rate change on your policy does not change what the plan covers. Plan G still pays what Plan G pays.
• If your renewal comes in higher than you expected, you can shop other carriers — but outside your Medigap Open Enrollment Period or a guaranteed-issue situation, an insurer in Arizona can use medical underwriting.

To see current filings, search the DIFI site or ask Arizona SHIP for help pulling the numbers.

Carriers selling Medigap in Arizona

Chandler is in Maricopa County, and the Medigap market is regulated statewide, so the carrier list is the Arizona list. The table below shows every insurer that sells Medigap in Arizona and which plan letters each one offers. A few names Chandler readers will recognize include AARP - UnitedHealthcare Insurance Company, Aetna Health and Life Insurance Company, BlueCross BlueShield of Arizona, Humana (Humana Insurance Company), Mutual of Omaha (Mutual of Omaha Insurance Company) and State Farm Mutual Automobile Insurance Company. Because benefits are standardized, the shopping question is about price, customer service and rating method — not "whose Plan G is better."

Insurers entering or leaving

The Medigap market in Arizona tends to move more slowly than the Medicare Advantage market. Carriers can enter, add plan letters, or stop selling to new applicants at any time, and those changes show up in the state's filings and on the Medicare.gov Medigap policy search. If your current insurer stops selling a plan, that generally does not cancel your existing policy — but it is worth calling your carrier or SHIP to confirm.

Before you switch, check whether you are inside a protected enrollment window. Outside those windows, Arizona allows medical underwriting, and a health condition can affect whether a new carrier will accept you.