Medicare · State of Arizona
Medicare for Arizona Residents
Arizona is home to a heavy concentration of retirees in Phoenix, Tucson, and Prescott. Ten Point Financial Group is an independent Medicare agency that works with clients nationwide, including Arizona. We help Arizona retirees navigate the state's specific Medicare market — including a high concentration of snowbird considerations.
Oct 15 to Dec 7
Annual Enrollment Period
$0
Cost to use a Medicare agent
Statewide
Phoenix · Tucson · Prescott · rural
Why Arizona
Arizona has unique Medicare dynamics: an aging population concentrated in Phoenix-area retirement communities, snowbird retirees who split time between Arizona and other states, and a Medicare Advantage market dominated by Humana, UnitedHealthcare, Banner Health (through partner plans), and Cigna. Picking the right plan depends on whether you stay in Arizona year-round, travel seasonally, and which Phoenix-area hospital network (Banner, HonorHealth, Dignity, Mayo) your doctors belong to.
How we help
Phoenix Metro Medicare Plans
Phoenix has dozens of MA plans plus all major Medigap carriers. We compare across networks (Banner, HonorHealth, Dignity, Mayo) and recommend based on your providers.
Snowbird-Friendly Plans
Many Arizona retirees split time with other states. Some MA plans have national networks; most don't. We design around your actual travel pattern.
Medigap in Arizona
Arizona Medigap rates are mid-pack nationally. We compare across carriers — premiums vary 20-40% between carriers for the same standardized plan.
Part D for Arizona Pharmacy Networks
Walgreens, CVS, Fry's, Safeway — each plan has different preferred networks. We match your pharmacy to the right Part D plan.
Annual Plan Review (AEP)
Oct 15 - Dec 7 every year. We re-shop Arizona clients' plans annually because networks and formularies change.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
What to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
Frequently asked questions
Which Medicare Advantage carriers are strongest in Arizona?+
Varies by metro. Phoenix: Humana, UHC, Cigna, Banner-affiliated plans. Tucson: more concentrated. Rural areas: limited. We compare for your specific zip code.
I'm a snowbird. What plan works best?+
Depends on where you spend time. If you split between AZ and another state with a Medicare Advantage plan, you'd often need to switch or find a plan with national network access. Medigap travels — Advantage usually doesn't.
Are Arizona Medigap rates high?+
Mid-pack nationally. Most retirees can find competitive Plan G or Plan N rates from multiple carriers. We pull live quotes for your situation.
Can you help me if I'm moving to Arizona from another state?+
Yes. Moving triggers a Special Enrollment Period — you'll need to switch plans to one that works in your new Arizona zip code. We handle the transition at no cost.
What should I look for in an Arizona Medicare agent?+
Three things: they are licensed in Arizona, they work with several insurance companies so they can compare, and they ask about your doctors, drugs, and travel before they show you plans. An agent who leads with one plan before asking questions is a red flag.
When can I change my Medicare plan in Arizona?+
During Annual Enrollment, October 15 to December 7, with changes starting January 1. If you are on an Advantage plan, you can also switch once from January 1 to March 31. Moving to or within Arizona can open a special window too.
Should snowbirds review their plan every fall?+
Yes. Networks change each year, and a plan that covered you in two states this year may not next year. Before December 7, check that your doctors in both places and your drugs are still covered.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Free Arizona Medicare review
Tell us your county, doctors, and travel pattern. We'll compare Arizona plans across carriers and recommend the one that actually fits.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.