Medicare Supplement

Which Medigap letters can Scottsdale buyers still pick today?

If you live in Scottsdale and you're pairing Original Medicare with a Medicare Supplement policy — or thinking about it — the alphabet soup can feel like the hardest part. Plan A, Plan G, Plan N, Plan G-HD… what do the letters actually mean, and which ones can you still buy in Arizona today?

Medigap in Scottsdale: how Arizona's standardized plan letters actually work

The short answer: Medigap plans are standardized by the federal government, so a Plan G from one Arizona insurer covers the same core benefits as a Plan G from another. What changes between companies is price and service — not the benefits inside the letter. Here's how that plays out in Maricopa County, where Scottsdale sits.

What "standardized" really means

Medicare Supplement Insurance — Medigap — is sold by private insurers, but the benefits inside each plan letter are set by federal rules. That means a Plan N from one company in Scottsdale covers the same Medicare cost-sharing items as a Plan N from another company. (Massachusetts, Minnesota and Wisconsin standardize their plans differently, but Arizona follows the federal letters.)

Medigap helps pay some of what Original Medicare leaves behind — things like the Part A hospital coinsurance, and depending on the letter, the Part B coinsurance, skilled nursing coinsurance, or the Part A deductible. The full list of what each letter covers is on medicare.gov's Medigap page.

Which letters you can buy today in Arizona

If you became eligible for Medicare on or after January 1, 2020, the letters open to you are:

• A, B, D, G, G-HD, K, L, M, and N

Plans C and F remain available only to people who were eligible for Medicare before that date. That's a federal rule, not a state one, so it applies the same in Scottsdale as anywhere else.

A quick note on the "HD" letters: Plan G-HD (and F-HD, for those still eligible) is a high-deductible version. You pay a set amount out of pocket before the plan starts paying. The core benefits are the same as regular Plan G; the cost-sharing structure is different.

How Medigap pairs with Original Medicare and Part D

Medigap is designed to sit alongside Original Medicare. You keep Parts A and B, Medicare pays first, and your Medigap policy picks up its share of the leftover costs based on the letter you chose.

Two things Medigap does not do:

1. It does not include prescription drug coverage. For that, most Scottsdale residents add a stand-alone Part D plan. In 2026, Part D has a $2,100 annual out-of-pocket cap, a maximum deductible of $615, and the old coverage gap ("donut hole") is gone — drug costs now move through three phases. There's also an optional Medicare Prescription Payment Plan that lets you spread drug costs across the year. 2. It does not work with a Medicare Advantage plan. You choose one lane or the other: Original Medicare + Medigap + (usually) Part D, or Medicare Advantage.

If your income is above $109,000 as a single filer in 2026, IRMAA surcharges may raise what you pay for Part B and Part D — that's separate from your Medigap premium.

Who sells Medigap in Arizona

Scottsdale residents can shop from a long list of insurers licensed to sell Medigap in Arizona. The table below lists every insurer and the letters each one offers, in alphabetical order. A few examples to give you a sense of the range: AARP – UnitedHealthcare Insurance Company, Aetna Health and Life Insurance Company, BlueCross BlueShield of Arizona, Humana Insurance Company, Mutual of Omaha Insurance Company, and State Farm Mutual Automobile Insurance Company all sell Medigap in the state, each with their own mix of letters.

Because the benefits inside a given letter are identical, comparison usually comes down to price, how the insurer sets its rates (community-rated, issue-age or attained-age), customer service, and any household or payment discounts. Never take a premium quote from an ad at face value — get quotes for the same letter from multiple insurers before deciding.

The Arizona rules that shape your choice

A few state-level points worth knowing:

• Your best window is your Medigap Open Enrollment Period — the six months that start the month you're 65 or older and enrolled in Part B. During this window, insurers in Arizona cannot deny you a Medigap policy or charge you more because of health history.
• After that window closes, insurers in most cases can use medical underwriting when you apply, unless you have a federal guaranteed-issue right (for example, if certain other coverage ends involuntarily).
• State-specific rights — such as any special enrollment protections beyond federal law — are best confirmed with the Arizona Department of Insurance and Financial Institutions or your local SHIP counselor. Rules can change, and your situation matters.

Arizona does not have a statewide "birthday rule" like California or Oregon. If you want to switch Medigap policies later, you'll typically need to answer health questions unless a guaranteed-issue right applies.

Where to get help in Scottsdale

• Medicare.gov has a Medigap policy search and plain-English explanations of each letter.
• 1-800-MEDICARE (1-800-633-4227) is open 24/7.
• Arizona SHIP offers free, unbiased counseling from trained volunteers — they don't sell anything.
• Arizona Department of Insurance and Financial Institutions publishes rate guides and can confirm whether an agent or insurer is licensed.

Enrollment reminders: the Medicare Annual Enrollment Period runs October 15 – December 7 (that's for Part D and Medicare Advantage, not Medigap), and the Medicare Advantage Open Enrollment Period runs January 1 – March 31. Medigap has its own timing rules tied to when you first got Part B.