Phoenix Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in Maricopa County
Medicare Supplement insurance costs in Phoenix, Arizona vary widely — sometimes by more than 180 percent for identical coverage in the same Maricopa County zip code. Whether you live in central Phoenix, Scottsdale, or the West Valley, the plan you choose and the carrier you select can mean hundreds of dollars difference each month. Shopping multiple carriers is the single most important step any new Medicare enrollee in the Phoenix metro area can take.
Compare Rates with a Phoenix Medicare Agent
Independent Medicare insurance agents serving Maricopa County are appointed with multiple carriers, which means they can show you side-by-side Plan G quotes from several companies at once — at no cost to you. An independent agent working in the Phoenix area is your most efficient path to finding competitive Medigap coverage.
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Estimated Plan G Medigap Rates — Phoenix, Arizona (Zip 85001)
Estimated based on 2024 Plan F market data for Phoenix (source: American Association for Medicare Supplement Insurance) with a 10% Plan G adjustment applied. Plan G typically costs 8–12% less than Plan F for equivalent coverage. Contact a licensed agent for current quotes.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $111.75 | $319.66 | 186.0% |
| Male, Age 65 (non-smoker) | $128.62 | $363.41 | 182.5% |
3 Questions to Ask Before You Buy a Medigap Plan in Phoenix
1. How many Medicare insurance companies are you appointed to sell?
Some agents represent only a single carrier, while independent brokers can offer policies from multiple companies. Asking how many carriers an agent is "appointed" with tells you whether you are getting a truly competitive comparison or a single-company pitch. In a large market like Phoenix, the difference between the lowest and highest Plan G premium for a 65-year-old can exceed 180 percent — so working with an agent who can access multiple carriers matters enormously.
2. What has this carrier's rate-increase history been in Arizona?
The lowest premium today does not guarantee the lowest cost five years from now. Arizona Medigap premiums are subject to review and approval by the Arizona Department of Insurance and Financial Institutions (DIFI), but insurers can and do raise rates. Ask your agent to show you each carrier's recent Arizona rate-increase history before you enroll. A trustworthy agent will share this information readily.
3. Is my Medigap coverage guaranteed-issue, or could I be declined?
Arizona follows federal guaranteed-issue rules during your six-month Medigap Open Enrollment Period, which begins the month you are both age 65 and enrolled in Medicare Part B. Outside that window, Arizona does not require carriers to accept all applicants, meaning you could be declined or charged more due to health conditions. The Arizona DIFI (azinsurance.gov) provides consumer guidance on your rights, and a knowledgeable Phoenix agent can walk you through your enrollment window before it closes.