Medicare Supplement

Which Medigap Letters Peoria Newcomers Can Still Buy

Medigap — also called Medicare Supplement Insurance — is a private policy that fills in some of the out-of-pocket costs Original Medicare leaves behind. Think of the coinsurance for a hospital stay or the 20% you would otherwise owe for doctor visits under Part B.

Medicare SupplementPeoria, AZ

What Medigap is, in plain terms

Peoria is in Maricopa County, and the Medigap rules here are the same across Arizona. That is because Medigap is federally standardized: the plan letters mean the same thing everywhere in the country, except in Massachusetts, Minnesota and Wisconsin, which run their own systems.

The letters you can buy today

If you are newly eligible for Medicare, these are the standardized Medigap plans available in Arizona: A, B, D, G, G-HD, K, L, M and N. Plans C and F still exist, but only people who became eligible for Medicare before January 1, 2020 can buy them.

Each letter is a different bundle of benefits. For example, Plan G and Plan N are two of the more popular choices for new enrollees, while Plans K and L use a cost-sharing approach with a yearly out-of-pocket limit. The "high-deductible" versions — like G-HD — require you to meet a deductible before the plan starts paying.

Here is the important part: a Plan G from one insurer covers the exact same federally defined benefits as a Plan G from any other insurer. What can differ is the premium, the company's customer service, and whether they offer extras like household discounts. The benefits themselves do not change by carrier.

Which insurers sell Medigap in Arizona

Arizona has a long list of licensed Medigap insurers. Some offer nearly every letter; others focus on just a handful. Names you may 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. Smaller and specialty carriers such as Everence Association Inc., Pekin Life Insurance Company and WoodmenLife also participate.

The table below lists every insurer registered to sell Medigap in Arizona, along with the specific plan letters each one offers. Use it as a starting point for shopping — not as a ranking.

How Medigap pairs with Original Medicare and Part D

Medigap only works if you are enrolled in Original Medicare (Part A and Part B). It does not work with Medicare Advantage. If you sign up for a Medicare Advantage plan, you cannot use a Medigap policy at the same time.

Medigap also does not include prescription drug coverage. To get drug coverage, you would typically enroll in a stand-alone Part D plan. A few important 2026 program facts to know as you plan:

• The Part D out-of-pocket cap is $2,100 in 2026.
• The Part D maximum deductible is $615.
• The old coverage gap — the "donut hole" — was eliminated as of 2025, so Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments, if that helps your budget.
• IRMAA income-related surcharges start above $109,000 for a single filer in 2026.

Enrollment timing and Arizona rules

The strongest federal protection for buying Medigap is your Medigap Open Enrollment Period — the six months that begin the month you turn 65 and are enrolled in Part B. During that window, insurers cannot turn you down or charge you more because of your health.

Outside that window, in most cases, insurers in Arizona can use medical underwriting. Some states have extra rules — like "birthday rules" or broader guaranteed-issue rights — but these vary. For Arizona-specific protections, contact the Arizona Department of Insurance and Financial Institutions or your local State Health Insurance Assistance Program (SHIP) counselor. They can walk you through your rights based on your exact situation.

Also worth noting: the Annual Enrollment Period (October 15 – December 7) and Medicare Advantage Open Enrollment (January 1 – March 31) are for Part D and Medicare Advantage decisions. They are not Medigap enrollment windows, though changes you make during those periods can affect whether Medigap is right for you.

How to think through your choice

A useful way to compare plans is to start with the letter, not the insurer. Decide which set of benefits fits how you use care and what you can budget for monthly premiums versus out-of-pocket costs. Then, once you have narrowed the letter, compare insurers offering that letter in Arizona side by side.

Questions worth asking:

• Do I want more predictable costs (a plan like G) or lower premiums with some cost-sharing (a plan like N, K or L)?
• Am I comfortable with a high-deductible version to lower my premium?
• How does the insurer set future rate increases — by age, or the same for everyone in a class?

No single letter is right for everyone, and no single insurer is right for everyone.