Medicare in Arizona

Mike Olmos by Mike Olmos | Licensed since 2010
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This article was updated on: 09/16/2018

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While shopping for a Medicare plan in Arizona, let Medicare.com be your go-to resource. You can enjoy complimentary access to our plan comparison tool that allows you to evaluate plan options nearest you.

About Medicare in Arizona

Arizona beneficiaries may have several options when choosing a Medicare plan. For example, you can compare Medicare Advantage plans, Medicare Part D prescription drug coverage options, and Medicare Supplement Insurance plans before making a decision. Not every Medicare plan option may be available in your part of Arizona.

Types of Medicare coverage in Arizona

Original Medicare, Part A (hospital insurance) and Part B (medical insurance), is available through the federal government to anyone who is eligible for Medicare.

Medicare Advantage, or Part C, offers the same benefits as Original Medicare but is offered through Medicare-approved insurance companies. Some may include other benefits like routine vision and dental or wellness programs. While these plans must cover everything that Original Medicare (Part A and Part B) covers, specific plan details and pricing may vary. You still need to keep paying your Medicare Part B premium in addition to any premium the Medicare Advantage plan charges.

Medicare Part D Prescription Drug Plans refer to the prescription drug benefit that is offered by private Medicare-approved insurance companies. Original Medicare beneficiaries can get this coverage with a stand-alone Medicare Prescription Drug Plan or a Medicare Advantage Prescription Drug plan.  As with Medicare Advantage, coverage details and pricing can vary by county and plan.

Medicare Supplement Plans are insurance policies that cover out-of-pocket costs that Part A and Part B do not, including deductibles, copayments, and coinsurance.

Local resources for Medicare in Arizona

Medicare Savings Programs in Arizona: If your income is lower than the government set limit, you may be able to receive help paying for out-of-pocket Medicare expenses, including premiums and copayments.

Arizona State Health Insurance Counseling and Assistance Program (SHIP): In Arizona, Medicare beneficiaries can contact the Division of Aging and Adult Services to speak with a counselor who can educate them on the program.

How to apply for Medicare in Arizona

Medicare enrollment in Arizona is the same as any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Those who receive benefits through the Social Security Administration (SSA) or the Railroad Retirement Board (RRB) will be enrolled in Original Medicare, Part A and Part B, automatically. Those with disabilities are eligible before age 65, and will be enrolled once they have received SSA disability benefits for more than 24 straight months.

Because you must pay a monthly premium for Medicare Part B, you have the option of turning it down once you receive your “Welcome to Medicare” packet in the mail a few months before your eligibility date. Please note that if you do refuse this coverage when you are first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare.

If you are not automatically enrolled, you may contact your local SSA office or register online or over the phone.

  • Visit the Social Security website.
  • Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
  • If you worked for a railroad, call the RRB at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.

Want to know how you go about choosing and enrolling in a Medicare plan that may be right for you? I’d be happy to explain it. To learn more about my background, click the View profile link next to my profile. If you prefer, use the links below to schedule a phone appointment or have me email you personalized plan information. If you’d rather explore plan options on your own, simply scroll up and hit the “Compare Plans” button on this page.

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