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HomeMedicare SupplementArizonaMedigap in Arizona for 2027: 29 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Arizona for 2027: 29 Insurers and the Plans They Sell

PHOENIX — For Arizonans who have Original Medicare and want help with the out-of-pocket costs it leaves behind, a Medicare Supplement policy — better known as Medigap — is the private add-on that fills in those gaps. Medicare.gov's Medigap policy search for ZIP code 85003 lists 29 insurers selling standardized Medigap plans in the Phoenix area, and together they offer every federally standardized plan letter currently available: A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N. What a specific household sees quoted can still differ by ZIP code and by age, sex and tobacco use.

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Key takeaways

  • Medicare.gov lists 29 Medigap insurers for ZIP code 85003, selling plans A, B, C, D, F, F-HD, G, G-HD, K, L, M, and N.
  • Plans C and F are closed to people who became eligible for Medicare on or after January 1, 2020.
  • 21 Medicare Advantage plans offered somewhere in Arizona in 2026 will not be offered anywhere in the state in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Annual Enrollment for 2027 runs October 15 through December 7, 2026, with coverage starting January 1, 2027.
Medicare SupplementArizona
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Arizona
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Arizona?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to pay some of the deductibles, coinsurance and copayments Original Medicare does not. It is not Medicare Advantage. Medicare Advantage (Part C) replaces the way Original Medicare pays claims and bundles coverage through a private plan, often with its own network and its own drug coverage. Medigap does the opposite: you keep Original Medicare, see any provider that accepts Medicare, and the Medigap policy pays its share of what Medicare approves. You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time.

Which Medigap insurers are listed for Arizona and what plan letters do they sell?

Medicare.gov's Medigap policy search for ZIP code 85003 lists these 29 insurers and the plan letters each one offers at that ZIP:

The letters are federally standardized, which means Plan G from one company covers the same things as Plan G from another. Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020.

What is the six-month Medigap Open Enrollment Period in Arizona and why does it matter?

A person's Medigap Open Enrollment Period is a one-time, six-month window that begins the month they are 65 or older and enrolled in Medicare Part B. During that window, an insurer must sell any Medigap policy it offers at the same price it charges a healthy applicant, regardless of health history. Outside that window, in most situations, an insurer can use medical underwriting and may charge more or decline to sell a policy. This is the single most consequential date in Medigap for most Arizonans, so it is worth marking on the calendar when Part B begins.

What happens in Arizona if my Medicare Advantage plan is not returning in 2027?

According to CMS Landscape files, 21 Medicare Advantage plans offered somewhere in Arizona in 2026 will not be offered anywhere in the state in 2027. If your plan is one of them, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting, in addition to being able to pick a new Medicare Advantage or Part D plan during Annual Enrollment 2027 (October 15 – December 7, 2026). Guaranteed issue also applies in several other situations — for example, when a Medigap insurer goes bankrupt or when you move out of a plan's service area. Medicare.gov describes which plan letters you can buy and how long the right lasts.

Does Medigap cover prescription drugs in Arizona?

No. Medigap policies sold today do not include prescription drug coverage, so Arizonans with Medigap generally pair the policy with a stand-alone Medicare Part D drug plan. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium — a national figure used in the late-enrollment penalty calculation — is $41.33. Individual plan premiums are set plan by plan.

How should an Arizonan compare Medigap policies?

Start with the plan letter, then compare insurers offering that letter. Because the letter defines the benefits, the practical differences across insurers are things like price, rate-increase history, household discounts, customer service and whether the company uses underwriting for your situation. The Medicare Plan Finder at medicare.gov lets you pull up the companies licensed in your ZIP, and the plan's or insurer's own documents will show the policy details.

Where can Arizonans get free help with Medicare in 2027?

Medicare.gov is the official place to compare Medigap policies, Medicare Advantage plans and Part D drug plans side by side for your ZIP code. You can also call 1-800-MEDICARE (1-800-633-4227), which is staffed 24 hours a day, seven days a week. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which will show up on January statements.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in Arizona during Annual Enrollment 2027?
You can drop a Medicare Advantage plan and return to Original Medicare during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027. Whether an insurer must sell you a Medigap policy without medical underwriting depends on your situation; guaranteed-issue rights apply in specific cases, such as when a Medicare Advantage plan is not returning. Medicare.gov explains which protections apply.
Why are Plans C and F missing from some insurers' offerings?
Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020. People who were already eligible before that date can generally still buy them if an insurer offers them, which is why they still appear in some of the Arizona listings.
Do all 29 insurers sell every Medigap plan letter in Arizona?
No. Each insurer chooses which standardized plan letters to offer. The list above shows the letters each insurer sells at ZIP code 85003 according to Medicare.gov's Medigap policy search; a different ZIP in Arizona may show a different mix.
Does Medigap include a drug plan for 2027?
No. Medigap policies sold today do not include Part D drug coverage, so most people pair a Medigap policy with a stand-alone Part D plan. Compare Part D options at medicare.gov or by calling 1-800-MEDICARE.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 29 insurers and plan letters listed for ZIP code 85003.
  • CMS Landscape Source Files: the count of 21 Medicare Advantage plans offered in Arizona in 2026 that are not offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, the six-month Medigap Open Enrollment Period, and guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates of October 15 – December 7, 2026 for coverage effective January 1, 2027.
  • CMS: the 2027 Part D out-of-pocket cap ($2,400), maximum Part D deductible ($700), and base beneficiary premium ($41.33).
  • Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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