Where to start
This page lists every Medicare plan sold in Pima County for 2026, sorted from the lowest cost each month. They're in four tables below, by the kind of coverage. Jump to the one that fits you. Under each table, Compare these plans opens the same plans in our plan list, where you can add your prescriptions, narrow the list and compare plans side by side.
- Medicare Advantage with drug coverage (44 plans)
- Part D drug plans (10 plans)
- Special needs plans (32 plans)
- Medicare Advantage without drug coverage (6 plans)
- Medigap (Medicare Supplement) prices
Not sure which you need? Most people choose either a Medicare Advantage plan, which usually includes drug coverage, or Original Medicare with a Part D drug plan and often a Medigap policy to pay what Medicare leaves.
What would these plans cost you? Try the calculator → It's set to Pima County. Add your age, health and drugs to see what each kind of plan would cost you next year and over the years ahead.
The best plan here for…
- A low monthly premium
- Money back on your Part B premium
- The lowest cost in a bad year
- Dental coverage
- A high star rating
- Seeing doctors outside a network
- The lowest-priced Medigap Plan G
No plan is best for everyone, so we pick one for each of these and explain why. All our picks in Pima County
At a glance
- 50 Medicare Advantage plans are open to anyone with Medicare here; 44 charge no monthly premium.
- 21 give back part of your Part B premium, up to $185 a month.
- The lowest yearly limit on what you pay for in-network care is $2,000.
- 10 Part D drug plans, from $0 to $119.20 a month.
Medicare Advantage plans with drug coverage 44
Medical and drug coverage in one plan, open to anyone with Medicare who lives here. This is what most people mean by a Medicare Advantage plan.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| HealthSpring Preferred Full Savings (HMO) Cigna Healthcare · H0354-030-000 | HMO | $0/moGives back $185/mo of your Part B premium | $6,250 | 3.5★ |
| DEVOTED GIVEBACK 013 AZ (HMO) Devoted Health · H8173-013-000 | HMO | $0/moGives back $184.70/mo of your Part B premium | $7,900 | 3.5★ |
| Alignment Health smartHMO (HMO) Alignment Health Plan · H3443-005-000 | HMO | $0/moGives back $127/mo of your Part B premium | $3,900 | 4.0★ |
| HealthSpring Preferred Savings (HMO) Cigna Healthcare · H0354-029-000 | HMO | $0/moGives back $110/mo of your Part B premium | $3,500 | 3.5★ |
| HumanaChoice Giveback H5216-371 (PPO) Humana · H5216-371-000 | PPO | $0/moGives back $90/mo of your Part B premium | $6,100 | 3.5★ |
| HumanaChoice Giveback H7617-051 (PPO) Humana · H7617-051-000 | PPO | $0/moGives back $90/mo of your Part B premium | $6,100 | 4.5★ |
| Wellcare Giveback (HMO) Wellcare · H0351-064-000 | HMO | $0/moGives back $84/mo of your Part B premium | $7,600 | 3.5★ |
| Humana Essentials Plus Giveback H5216-435 (PPO) Humana · H5216-435-001 | PPO | $0/moGives back $74/mo of your Part B premium | $7,850 | 3.5★ |
| eternalHealth Grand Give Back (HMO) eternalHealth · H3551-002-000 | HMO | $0/moGives back $65/mo of your Part B premium | $4,550 | Not yet rated |
| Wellpoint Premium Savings (HMO) Wellpoint · H1423-005-000 | HMO | $0/moGives back $54/mo of your Part B premium | $3,400 | 3.0★ |
| SCAN MyChoice (HMO) SCAN Health Plan · H1822-007-000 | HMO | $0/moGives back $30/mo of your Part B premium | $2,500 | 4.5★ |
| HealthSpring Alliance (HMO) Cigna Healthcare · H0354-028-000 | HMO | $0/moGives back $10/mo of your Part B premium | $2,300 | 3.5★ |
| HealthSpring True Choice (PPO) Cigna Healthcare · H7849-065-000 | PPO | $0/moGives back $5/mo of your Part B premium | $4,900 | 3.0★ |
| Humana Gold Plus H0028-021 (HMO) Humana · H0028-021-000 | HMO | $0/moGives back $1/mo of your Part B premium | $4,200 | 3.5★ |
| Humana Gold Plus H4461-059 (HMO) Humana · H4461-059-000 | HMO | $0/moGives back $1/mo of your Part B premium | $2,550 | 4.0★ |
| HumanaChoice H5216-265 (PPO) Humana · H5216-265-000 | PPO | $0/moGives back $1/mo of your Part B premium | $4,990 | 3.5★ |
| Humana Gold Plus H0028-074 (HMO) Humana · H0028-074-002 | HMO | $0/mo | $2,550 | 3.5★ |
| Blue Best Life Classic (HMO) Blue Cross Blue Shield of Arizona (AZ Blue) · H0302-008-000 | HMO | $0/mo | $2,800 | 4.5★ |
| Wellcare Simple (HMO) Wellcare · H0351-063-000 | HMO | $0/mo | $2,500 | 3.5★ |
| Wellcare Simple Value (HMO) Wellcare · H0351-065-000 | HMO | $0/mo | $3,000 | 3.5★ |
| HealthSpring Preferred (HMO) Cigna Healthcare · H0354-001-000 | HMO | $0/mo | $2,750 | 3.5★ |
| AARP Medicare Advantage Essentials from UHC AZ-1 (HMO-POS) UnitedHealthcare · H0609-025-000 | HMO-POS | $0/mo | $2,800 | 4.5★ |
| AARP Medicare Advantage Extras from UHC AZ-4 (HMO-POS) UnitedHealthcare · H0609-045-000 | HMO-POS | $0/mo | $3,300 | 4.5★ |
| Wellpoint Medicare Advantage 1 (HMO-POS) Wellpoint · H1423-004-000 | HMO-POS | $0/mo | $2,700 | 3.0★ |
| SCAN Classic (HMO) SCAN Health Plan · H1822-001-000 | HMO | $0/mo | $2,000 | 4.5★ |
| AARP Medicare Advantage from UHC AZ-0007 (PPO) UnitedHealthcare · H2406-062-000 | PPO | $0/mo | $6,200 | 4.0★ |
| Wellpoint Medicare Advantage 2 (HMO-POS) Wellpoint · H2593-001-000 | HMO-POS | $0/mo | $8,300 | 3.5★ |
| Alignment Health the ONE + Walgreens (HMO) Alignment Health Plan · H3443-002-000 | HMO | $0/mo | $2,499 | 4.0★ |
| eternalHealth Horizon (HMO) eternalHealth · H3551-001-000 | HMO | $0/mo | $3,350 | Not yet rated |
| eternalHealth + Fry's Medicare Advantage (HMO) eternalHealth · H3551-004-000 | HMO | $0/mo | $4,350 | Not yet rated |
| Aetna Medicare Signature Extra (HMO) Aetna Medicare · H3931-129-000 | HMO | $0/mo | $4,900 | 3.0★ |
| Aetna Medicare Signature Advantage (HMO) Aetna Medicare · H3931-146-000 | HMO | $0/mo | $3,300 | 3.0★ |
| Aetna Medicare Signature (HMO) Aetna Medicare · H4835-002-000 | HMO | $0/mo | $6,750 | 3.0★ |
| AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) UnitedHealthcare · H5253-178-000 | HMO-POS | $0/mo | $6,700 | 4.0★ |
| Aetna Medicare Elite (PPO) Aetna Medicare · H5521-363-000 | PPO | $0/mo | $5,000 | 4.5★ |
| Aetna Medicare Signature (PPO) Aetna Medicare · H5521-554-000 | PPO | $0/mo | $6,350 | 4.5★ |
| DEVOTED CHOICE 003 AZ (PPO) Devoted Health · H6586-003-000 | PPO | $0/mo | $5,900 | 3.0★ |
| DEVOTED CORE 016 AZ (HMO) Devoted Health · H8173-016-000 | HMO | $0/mo | $2,700 | 3.5★ |
| HumanaChoice H5216-224 (PPO) Humana · H5216-224-000 | PPO | $10.90/mo | $4,150 | 3.5★ |
| Aetna Medicare Value Care (PPO) Aetna Medicare · H5521-649-000 | PPO | $15.90/mo | $5,900 | 4.5★ |
| HumanaChoice R7220-002 (Regional PPO) Humana · R7220-002-000 | Regional PPO | $37/mo | $6,800 | 2.5★ |
| AARP Medicare Advantage from UHC AZ-0011 (PPO) UnitedHealthcare · H2406-078-000 | PPO | $44/mo | $5,000 | 4.0★ |
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) UnitedHealthcare · H5253-035-000 | HMO-POS | $44/mo | $5,900 | 4.0★ |
| HumanaChoice H5216-034 (PPO) Humana · H5216-034-000 | PPO | $114/mo | $7,900 | 3.5★ |
Part D drug plans 10
Standalone drug coverage, for people who keep Original Medicare (often with a Medigap policy). Drug plans are sold for a whole region, so the same plans are sold throughout Arizona.
| Plan | Premium | Drug deductible | Stars |
|---|---|---|---|
| HealthSpring Assurance Rx (PDP) Cigna Healthcare · S5617-138-000 | $0/mo | $615 | 2.5★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-146-000 | $0/mo | $615 | 3★ |
| Wellcare Classic (PDP) Wellcare · S4802-092-000 | $0/mo | $615 | 3.5★ |
| Wellcare Value Script (PDP) Wellcare · S4802-134-000 | $0/mo | $615 | 3.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-207-000 | $2.50/mo | $601 | 3★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-380-000 | $38.70/mo | $615 | 2★ |
| HealthSpring Extra Rx (PDP) Cigna Healthcare · S5617-378-000 | $66.40/mo | $615 | 2.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-056-000 | $94.90/mo | $615 | 3★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-409-000 | $97.50/mo | $130 | 2★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-174-000 | $119.20/mo | None | 3★ |
Special needs plans 32
Medicare Advantage plans built for people with particular needs, and open only to people who have them. If one of the three below describes you, these are often worth a look before a general plan. Each row says who can join.
Who special needs plans are for
- D-SNP: you have Medicaid as well as Medicare (sometimes called "dual eligible" or "Medi-Medi").
- C-SNP: you have a chronic condition the plan is built around, such as diabetes, heart failure, chronic lung disease or dementia. The plan checks with your doctor.
- I-SNP: you live in a nursing home or similar facility, or need that level of care at home.
Why people choose them
- Care built around you. Most assign a care coordinator, and many run clinical programs for the condition they serve: diabetes education and supplies, heart or lung monitoring, medication reviews, or doctors who visit you in a facility.
- Often more generous extras. Many offer larger allowances than general plans for groceries, over-the-counter items, transportation, meals or utilities. Compare the figures; they vary widely from plan to plan.
- Lower costs for many members. With full Medicaid, a D-SNP member usually pays nothing for care Medicare covers.
The catch: you have to qualify, and the plan will check, for example your Medicaid status or a doctor's confirmation of your condition. If you're not sure, your State Health Insurance Assistance Program (SHIP) gives free, unbiased advice.
| Plan | Network | Who can join | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|---|
| HealthSpring Achieve (HMO C-SNP) Cigna Healthcare · H0354-027-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/moGives back $7/mo of your Part B premium | $2,500 | 3.5★ |
| Wellpoint I CareMore Kidney Care (HMO-POS C-SNP) Wellpoint · H2593-040-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/moGives back $7/mo of your Part B premium | $3,000 | 3.5★ |
| SCAN Embrace (HMO-POS I-SNP) SCAN Health Plan · H1822-005-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $0/moGives back $5/mo of your Part B premium | $1,500 | 4.5★ |
| Wellcare Specialty Simple (HMO C-SNP) Wellcare · H0351-038-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,450 | 3.5★ |
| UHC Complete Care AZ-3P (HMO-POS C-SNP) UnitedHealthcare · H0609-043-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,400 | 4.5★ |
| Wellpoint Lung Care (HMO-POS C-SNP) Wellpoint · H1423-001-000 | HMO-POS | Only for people with certain chronic conditionsLung | $0/mo | $2,700 | 3.0★ |
| Wellpoint Chronic Care (HMO-POS C-SNP) Wellpoint · H1423-002-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,700 | 3.0★ |
| Wellpoint I CareMore Home Care (HMO I-SNP) Wellpoint · H1423-007-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $1,500 | 3.0★ |
| SCAN Balance (HMO C-SNP) SCAN Health Plan · H1822-002-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,000 | 4.5★ |
| SCAN Strive (HMO C-SNP) SCAN Health Plan · H1822-006-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,000 | 4.5★ |
| Wellpoint I CareMore Home Care 2 (HMO I-SNP) Wellpoint · H2593-003-000 | HMO | Only for people who live in a nursing home, or need that level of care at home | $0/mo | $1,500 | 3.5★ |
| Wellpoint Lung Care 2 (HMO-POS C-SNP) Wellpoint · H2593-005-000 | HMO-POS | Only for people with certain chronic conditionsLung | $0/mo | $8,300 | 3.5★ |
| Wellpoint Chronic Care 2 (HMO-POS C-SNP) Wellpoint · H2593-006-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $8,300 | 3.5★ |
| Alignment Health Heart & Diabetes (HMO C-SNP) Alignment Health Plan · H3443-003-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,499 | 4.0★ |
| Gold Heart & Diabetes (HMO-POS C-SNP) Gold Kidney Health Plan · H4869-001-000 | HMO-POS | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,500 | 3.0★ |
| Gold Dialysis & Kidney (HMO-POS C-SNP) Gold Kidney Health Plan · H4869-003-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $0/mo | $2,900 | 3.0★ |
| DEVOTED C-SNP 023 AZ (HMO C-SNP) Devoted Health · H8173-023-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $3,000 | 3.5★ |
| SCAN Embrace Together (HMO-POS I-SNP) SCAN Health Plan · H1822-008-000 | HMO-POS | Only for people who live in a nursing home, or need that level of care at home | $1/mo | $9,250 | 4.5★ |
| UHC Nursing Home Plan AZ-F001 (PPO I-SNP) UnitedHealthcare · H0710-005-000 | PPO | Only for people who live in a nursing home, or need that level of care at home | $17/moGives back $7.30/mo of your Part B premium | $9,250 | 4.5★ |
| UHC Dual Complete AZ-S001 (HMO-POS D-SNP) UnitedHealthcare · H0321-002-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $11.50/moGives back $0.40/mo of your Part B premium | $9,250 | 3.5★ |
| Wellcare Arizona Complete Health Dual Align (HMO D-SNP) Wellcare · H5590-010-000 | HMO | Only for people who have Medicaid as well as Medicare | $14.40/mo | $9,250 | 3.5★ |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · H4931-007-000 | HMO | Only for people who have Medicaid as well as Medicare | $17/moGives back $2/mo of your Part B premium | $9,250 | 3.5★ |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · H4931-015-000 | HMO | Only for people who have Medicaid as well as Medicare | $17/moGives back $2/mo of your Part B premium | $9,250 | 3.5★ |
| Mercy Care Advantage (HMO D-SNP) Mercy Care Advantage · H5580-004-000 | HMO | Only for people who have Medicaid as well as Medicare | $17/moGives back $2/mo of your Part B premium | $9,250 | 3.0★ |
| Mercy Care Advantage (HMO D-SNP) Mercy Care Advantage · H5580-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $15.20/mo | $9,250 | 3.0★ |
| UHC Dual Complete AZ-Y001 (HMO-POS D-SNP) UnitedHealthcare · H0321-004-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $17/moGives back $0.60/mo of your Part B premium | $9,250 | 3.5★ |
| Alignment Health Heart & Diabetes Plus (HMO C-SNP) Alignment Health Plan · H3443-006-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $17/mo | $8,850 | 4.0★ |
| Alignment Health Heart & Diabetes AZPlus (HMO C-SNP) Alignment Health Plan · H3443-007-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $17/mo | $2,900 | 4.0★ |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP) Gold Kidney Health Plan · H4869-014-000 | HMO-POS | Only for people with certain chronic conditionsKidney | $17/mo | $9,250 | 3.0★ |
| Wellcare Dual Liberty Sync (HMO D-SNP) Wellcare · H5590-008-000 | HMO | Only for people who have Medicaid as well as Medicare | $17/mo | $9,250 | 3.5★ |
| DEVOTED C-SNP PREMIUM 024 AZ (HMO C-SNP) Devoted Health · H8173-024-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $17/mo | $3,000 | 3.5★ |
| DEVOTED C-SNP PLUS 025 AZ (HMO C-SNP) Devoted Health · H8173-025-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $17/mo | $9,250 | 3.5★ |
Medicare Advantage plans without drug coverage 6
Medical coverage only. These suit people who get their drugs elsewhere, such as from the VA or an employer, since you generally can't add a separate Part D plan to them.
| Plan | Network | Premium | Out-of-pocket limit | Stars |
|---|---|---|---|---|
| DEVOTED CHOICE MA ONLY 005 AZ (PPO) Devoted Health · H6586-005-000 | PPO | $0/moGives back $184.70/mo of your Part B premium | $5,900 | 3.0★ |
| Aetna Medicare Eagle (PPO) Aetna Medicare · H5521-329-000 | PPO | $0/moGives back $110/mo of your Part B premium | $5,500 | 4.5★ |
| AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) UnitedHealthcare · H2406-077-000 | PPO | $0/moGives back $100/mo of your Part B premium | $6,700 | 4.0★ |
| eternalHealth Valor Give Back (HMO-POS) eternalHealth · H3551-003-000 | HMO-POS | $0/moGives back $100/mo of your Part B premium | $5,500 | Not yet rated |
| Humana USAA Honor Giveback (PPO) Humana · H5216-436-001 | PPO | $0/moGives back $95/mo of your Part B premium | $5,150 | 3.5★ |
| HumanaChoice R7220-001 (Regional PPO) Humana · R7220-001-000 | Regional PPO | $0/mo | $6,000 | 2.5★ |
Medigap (Medicare Supplement)
A Medigap policy pays some or all of what Original Medicare leaves you owing, and works with any doctor who takes Medicare. The coverage of each plan letter is the same whichever company sells it; only the price differs.
- Plan G: $147–$923/mo from 40 companies, at age 65.
- Plan N: $107–$816/mo from 39 companies, at age 65.
Discussion
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