Arizona › Santa Cruz County
Medicare plans in Santa Cruz County, Arizona
2027 plans. Other years: 2026 · 2027
Where to start
This page lists every Medicare plan sold in Santa Cruz County for 2027, 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 (13 plans)
- Part D drug plans (9 plans)
- Special needs plans (11 plans)
- Medicare Advantage without drug coverage (4 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 Santa Cruz 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 Santa Cruz County
At a glance
- 17 Medicare Advantage plans are open to anyone with Medicare here; 14 charge no monthly premium.
- 6 give back part of your Part B premium, up to $184.70 a month.
- The lowest yearly limit on what you pay for in-network care is $2,499.
- 9 Part D drug plans, from $5.30 to $191.50 a month.
Medicare Advantage plans with drug coverage 13
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 |
|---|---|---|---|---|
| DEVOTED CHOICE GIVEBACK 006 AZ (PPO) Devoted Health · H6586-006-000 | PPO | $0/moGives back $125.60/mo of your Part B premium | $9,450 | 3.5★ |
| Alignment Health Smart 005 (HMO) Alignment Health Plan · H3443-005-000 | HMO | $0/moGives back $120/mo of your Part B premium | $3,900 | 4.0★ |
| Humana Essentials Plus Giveback (PPO) Humana · H5216-435-001 | PPO | $0/moGives back $52/mo of your Part B premium | $7,850 | 4.0★ |
| Wellcare Simple (HMO) Wellcare · H0351-071-000 | HMO | $0/mo | $9,800 | 3.5★ |
| Wellpoint Medicare Advantage (HMO-POS) Wellpoint · H1423-009-000 | HMO-POS | $0/mo | $3,000 | 3.5★ |
| AARP Medicare Advantage from UHC AZ-0010 (PPO) UnitedHealthcare · H2406-076-000 | PPO | $0/mo | $7,150 | 4.0★ |
| Alignment Health ONE + Walgreens 002 (HMO) Alignment Health Plan · H3443-002-000 | HMO | $0/mo | $2,499 | 4.0★ |
| HumanaChoice H5216-263 (PPO) Humana · H5216-263-000 | PPO | $0/mo | $5,999 | 4.0★ |
| DEVOTED CHOICE 002 AZ (PPO) Devoted Health · H6586-002-000 | PPO | $0/mo | $6,100 | 3.5★ |
| DEVOTED CORE 007 AZ (HMO) Devoted Health · H8173-007-000 | HMO | $0/mo | $6,750 | 4.0★ |
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) UnitedHealthcare · H5253-035-000 | HMO-POS | $60/mo | $7,150 | 4.0★ |
| AARP Medicare Advantage from UHC AZ-0008 (PPO) UnitedHealthcare · H2406-063-000 | PPO | $64/mo | $7,150 | 4.0★ |
| HumanaChoice R7220-002 (Regional PPO) Humana · R7220-002-000 | Regional PPO | $110/mo | $7,150 | 3.0★ |
Part D drug plans 9
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 |
|---|---|---|---|
| Wellcare Value Script (PDP) Wellcare · S4802-134-000 | $5.30/mo | $700 | 3★ |
| Humana Basic Rx Plan (PDP) Humana · S5884-146-000 | $6.30/mo | $700 | 4.5★ |
| Wellcare Classic (PDP) Wellcare · S4802-092-000 | $7.30/mo | $700 | 3★ |
| HealthSpring Assurance Rx (PDP) Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-045-000 | $9.30/mo | $700 | 2.5★ |
| Humana Value Rx Plan (PDP) Humana · S5884-207-000 | $22.30/mo | $687 | 4.5★ |
| AARP Medicare Rx Saver from UHC (PDP) UnitedHealthcare · S5921-380-000 | $79.80/mo | $700 | 3★ |
| Humana Premier Rx Plan (PDP) Humana · S5884-174-000 | $137.60/mo | $350 | 4.5★ |
| SilverScript Choice (PDP) Aetna Medicare · S5601-056-000 | $152.70/mo | $700 | 2.5★ |
| AARP Medicare Rx Preferred from UHC (PDP) UnitedHealthcare · S5921-409-000 | $191.50/mo | $300 | 3★ |
Special needs plans 11
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 |
|---|---|---|---|---|---|
| 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 | $0/mo | $9,850 | 3.5★ |
| UHC Complete Care Support AZ-1A (PPO C-SNP) UnitedHealthcare · H2001-036-000 | PPO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.5★ |
| Alignment Health Heart & Diabetes 003 (HMO C-SNP) Alignment Health Plan · H3443-003-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,499 | 4.0★ |
| Alignment Health Heart & Diabetes Plus 007 (HMO C-SNP) Alignment Health Plan · H3443-007-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $2,900 | 4.0★ |
| Wellcare Arizona Complete Health Dual Liberty Sync (HMO D-SNP) Wellcare · H5590-012-002 | HMO | Only for people who have Medicaid as well as Medicare | $0/mo | $9,850 | 3.0★ |
| DEVOTED C-SNP PLUS 027 AZ (HMO C-SNP) Devoted Health · H8173-027-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $0/mo | $9,850 | 4.0★ |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · H4931-007-000 | HMO | Only for people who have Medicaid as well as Medicare | $16.80/moGives back $2/mo of your Part B premium | $9,850 | 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 | $16.80/moGives back $2/mo of your Part B premium | $9,850 | 3.5★ |
| Mercy Care Advantage (HMO D-SNP) Mercy Care Advantage · H5580-005-000 | HMO | Only for people who have Medicaid as well as Medicare | $16.10/moGives back $1/mo of your Part B premium | $9,850 | 3.0★ |
| UHC Dual Complete AZ-YL (HMO-POS D-SNP) UnitedHealthcare · H0321-004-000 | HMO-POS | Only for people who have Medicaid as well as Medicare | $16.80/mo | $9,850 | 3.5★ |
| Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP) Alignment Health Plan · H3443-006-000 | HMO | Only for people with certain chronic conditionsDiabetes, Heart | $16.80/mo | $9,850 | 4.0★ |
Medicare Advantage plans without drug coverage 4
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 | $7,000 | 3.5★ |
| Humana USAA Honor Giveback (PPO) Humana · H5216-436-001 | PPO | $0/moGives back $110/mo of your Part B premium | $5,150 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) UnitedHealthcare · H2406-077-000 | PPO | $0/moGives back $105/mo of your Part B premium | $7,150 | 4.0★ |
| HumanaChoice R7220-001 (Regional PPO) Humana · R7220-001-000 | Regional PPO | $0/mo | $6,000 | 3.0★ |
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
Questions and experiences from other visitors. Comment guidelines
Loading the discussion…