Medicare Supplement

Medigap in Peoria for 2026: the plan-letter rules and rate filings to check before you switch

PEORIA, Ariz. — If you have a Medigap policy in Peoria, or you are shopping for one this fall, a few things reset every year that are worth understanding before you sign anything. The plan letters you are allowed to buy depend on when you first became eligible for Medicare, the Part B deductible that sits underneath Plans G and N is recalculated by CMS each year, and Arizona insurers file new rates with the state on their own schedules. None of that is a crisis — but it does mean the Medigap market you looked at last year is not exactly the one in front of you now.

Medicare SupplementPeoria, AZ

Peoria is in Maricopa County, and Medigap policies in Arizona are sold statewide by the insurers listed in the table below. Here is what is actually shifting for 2026, and how to check the pieces that apply to you.

Which plan letters you can actually buy

Medigap plans are standardized by letter, which means a Plan G from one insurer covers the same federally defined benefits as a Plan G from another. What differs is the price, the company, and sometimes extras like household discounts.

The letters available to someone newly eligible for Medicare today are A, B, D, G, high-deductible G, K, L, M, and N. Plans C and F are only available to people who were eligible for Medicare before January 1, 2020. If that is you, you can generally keep a Plan C or F you already have, or buy one if you qualify — but if you turned 65 after that date, those two letters are off the menu.

That single rule is the biggest source of confusion we hear from Peoria readers. If an agent is quoting you a Plan F and you became eligible in 2021, something is off.

The Part B deductible reset — and why it matters for Plans G and N

Plans G and N are the two letters most new enrollees end up comparing. Both are built on top of the Part B deductible: you pay that deductible yourself each year, and the Medigap plan picks up from there (Plan N also leaves you with small copays for some office and emergency-room visits, and does not cover Part B excess charges).

CMS sets the Part B deductible amount for the coming year and posts it on medicare.gov. Because that number resets every January, the “gap” you are actually responsible for under a Plan G or N shifts a little each year. It is worth checking the current figure before you compare two quotes side by side — the plan design has not changed, but the dollar you pay before coverage kicks in has.

Rate-adjustment season in Arizona

Medigap premiums are not set by Medicare. Each insurer files its rates with the Arizona Department of Insurance and Financial Institutions, and those filings can happen at different times through the year. Two carriers offering the same lettered plan can raise rates in different months and by different amounts.

Because we cannot quote prices here, the practical move is this: when you get a renewal notice, or when you are shopping, ask the carrier (or a licensed agent) for the current rate for your ZIP code, your age, and your tobacco status. You can also review filings through the state insurance department. Do not assume this year's premium is next year's premium, and do not assume the lowest price today will still be the lowest price in three years.

Who sells Medigap in Arizona

The table below lists every insurer currently selling Medigap in Arizona along with the plan letters each one offers. It is a long list — nearly 30 companies — which is generally good news for shoppers because it means real competition on price for the same standardized benefits.

A few names Peoria readers ask about often: 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 all appear in the roster, each with its own mix of plan letters. Insurers do occasionally enter or leave the Arizona market; the table on this page reflects the current lineup, so use it rather than an older printout.

How to decide, step by step

1. Confirm which plan letters you are eligible for based on your Medicare eligibility date. 2. Narrow to one or two letters that match how you use care — many people compare G, high-deductible G, and N. 3. Check the current Part B deductible on medicare.gov so you understand what you pay before the plan pays. 4. Get quotes from several of the insurers in the table for the same letter, using your ZIP code and age. 5. Ask each carrier how they price (issue-age, attained-age, or community-rated) and how often they have adjusted rates recently. 6. If you are outside your six-month Medigap Open Enrollment Period, ask whether you will need to answer health questions to switch.

For personalized help, Arizona's State Health Insurance Assistance Program (SHIP) offers free one-on-one counseling — they do not sell anything.