28 days left in Annual Enrollment (ends Dec. 7)
Arizona Medicare, made clear
Plain-English guides written by licensed insurance agents for Arizonans turning 65, moving here or spending the winter: AHCCCS and Medicare, Arizona's Medigap rules, the plans in your county, and local help when you want it.
Pick your Medicare Advantage company and county to see if your plan ends December 31.
Enter your ZIP code to see the Medicare plans available where you live.
You'll go to PlanMatchMedicare.com, a plan comparison site from Benefits Life, the publisher of this site. Only your ZIP code is sent.
Find an independent licensed insurance agent near you. No cost to you.
These independent licensed insurance agents work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
Or call a licensed insurance agent at (602) SENIORS (602-736-4677), TTY 711.
Licensed insurance agents for Arizona
These independent insurance agents are licensed in Arizona and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.
Find the right Medicare plan
Tools and licensed insurance agents in Arizona to help you compare coverage and costs.
Talk to an agent
Guidance from a licensed insurance agent in Arizona, at no cost to you.
Find an agentCompare plans
Compare Medicare Advantage, Medigap and Part D plans sold in your ZIP code.
Compare now2026 costs
Premiums, deductibles and out-of-pocket limits for the year.
See costsEnrollment dates
Know when to enroll: your Initial Enrollment Period, Open Enrollment and special enrollment periods.
View datesThe four parts of Medicare
Each part covers different services. Here's how each works for Arizonans.
Part A: Hospital insurance
Covers inpatient hospital stays, skilled nursing, hospice and some home health care.
Part B: Medical insurance
Covers doctor visits, outpatient care, preventive services and medical equipment.
Part C: Medicare Advantage
Private plans that bundle Parts A, B and usually D. Some also offer extra benefits, such as dental or vision.
Part D: Prescription drugs
Covers prescription drugs through private plans. Out-of-pocket costs are capped at $2,100 in 2026.
Medicare, the Arizona way
AHCCCS, winter visitors, tribal health programs, summer heat: the parts of Medicare that work differently here.
AHCCCS, ALTCS and Medicare
How Arizona's Medicaid program and its long-term care program work with Medicare if you qualify for both.
Plans differ by county
For 2027, CMS lists 52 Medicare Advantage plans open to everyone in Maricopa County and 7 in Apache County.
Arizona Medigap rules
When you can buy a Medigap policy, your guaranteed issue rights and what Arizona law adds.
Snowbirds and winter visitors
Keeping your coverage when you split the year between Arizona and another state.
Tribal nations and IHS
How Medicare works with Indian Health Service, tribal and urban Indian health programs.
Extreme heat and Medicare
What Medicare covers when summer heat becomes a health emergency, and the help Arizona offers.
Not sure where to start?
A licensed insurance agent in Arizona can review your situation, compare plans from the companies they work with in your county and help you enroll, at no cost to you.
Find an Arizona agentAgents are paid by insurance companies, not by you. If an agent enrolls you in a plan, the agent and Benefits Life, the publisher of this site, may be paid by the insurance company.
Medicare by county in Arizona
Find agents, offices and the 2027 plans sold where you live. Plan counts are Medicare Advantage plans open to everyone, from CMS.
Maricopa County
Pima County
Pinal County
Yavapai County
Mohave County
Yuma County
Coconino County
Cochise County
Visit an insurance agency office
Find independent insurance agency offices in Arizona on MedicareResourceCenter.com.
Find an officeWhat does Medicare cost?
Key numbers every Arizona beneficiary should know.
Frequently asked questions about Medicare in Arizona
What is Medicare?
Medicare is the federal health insurance program for people 65 and older, some younger people with disabilities, and people with End-Stage Renal Disease.
When can I enroll in Medicare in Arizona?
Your Initial Enrollment Period begins 3 months before the month you turn 65 and ends 3 months after it. Open Enrollment runs October 15 through December 7 each year. The Medicare Advantage Open Enrollment Period runs January 1 through March 31.
Are the same Medicare Advantage plans sold everywhere in Arizona?
No. Plans are sold county by county: the Phoenix and Tucson areas have the most to choose from, and the rural counties of the northeast and east far fewer. Original Medicare, Medigap and standalone Part D plans are available in every county. See your county's page for its CMS plan counts.
I spend winters in Arizona. Can I use my Medicare here?
Yes. Original Medicare works with any provider in the country who accepts Medicare. A Medicare Advantage plan from your home state usually covers only emergency and urgent care in Arizona unless it has a nationwide or visitor network, so check before you travel.
What is the Part B premium in 2026?
The standard Part B premium for 2026 is $202.90 a month. People with higher incomes pay more through IRMAA.
How do I find a licensed insurance agent in Arizona?
Use the agent search at the top of this page, or call (602) SENIORS (602-736-4677), TTY 711. Agents listed here are licensed in Arizona and can compare plans with you at no cost to you.