Tucson Medicare Supplement Insurance Costs
Compare Medigap plan rates from top carriers in Pima County
Medicare Supplement insurance costs in Tucson, Arizona vary widely — sometimes by more than 170 percent for identical coverage depending on the carrier you choose. Residents of Pima County shopping for Medigap plans benefit from comparing multiple carriers before enrolling, since every insurer sets its own premiums for the same standardized plan. Whether you live in central Tucson, the Foothills, or the surrounding Pima County communities, working with a knowledgeable local agent is the most reliable way to find the best value.
Compare Rates with a Tucson Medicare Agent
Independent Medicare agents in Tucson represent multiple carriers licensed in Pima County and can provide side-by-side rate comparisons at no cost to you. Because agents are compensated by the insurer rather than the consumer, there is no obligation and no fee for their assistance.
Find Medicare Agents in Tucson →
Estimated Plan G Medigap Rates — Tucson, Arizona (Zip 85701)
Estimated based on available market data (derived from 2018 Plan F rates sourced from the American Association for Medicare Supplement Insurance; Plan G estimates reflect a typical 10% reduction from Plan F premiums for the same carrier). Premiums vary by carrier and are subject to change. Contact a licensed agent for current quotes.
| Gender | Lowest Monthly Premium | Highest Monthly Premium | Difference |
|---|---|---|---|
| Female, Age 65 (non-smoker) | $111.75 | $304.31 | 172.3% |
| Male, Age 65 (non-smoker) | $126.30 | $304.31 | 140.9% |
3 Questions to Ask Before You Buy a Medigap Plan in Tucson
1. How many Medicare insurance carriers does this agent represent?
An independent agent in Tucson should be appointed with — and able to sell policies from — multiple carriers licensed in Arizona. The more carriers an agent represents, the broader the comparison they can offer you. An agent who represents only one company cannot show you whether a competing carrier offers the same Plan G coverage at a lower premium for your zip code.
2. What has been this carrier's recent history of rate increases in Arizona?
The lowest Medigap premium today is not always the lowest premium three or five years from now. Carriers file rate increase requests with the Arizona Department of Insurance and Financial Institutions (DIFI), which reviews and must approve changes to Medigap premiums in the state. Ask your agent to share recent rate increase history for any carrier you are considering — a reputable agent will have this information readily available.
3. Is this plan community-rated, issue-age-rated, or attained-age-rated?
Arizona allows insurers to use different rating methods, which affects how your premium changes over time. Attained-age-rated policies start lower but increase as you age; community-rated and issue-age-rated policies tend to be more stable long-term. The Arizona Department of Insurance and Financial Institutions (DIFI) — reachable at (602) 364-3100 or difi.az.gov — can answer questions about carrier licensing and your rights as a Medigap policyholder in Arizona.