Medicare in Arizona

We are an independent Arizona Medicare broker, which means we compare plans from many carriers against your doctors, your prescriptions, and your budget instead of selling one company's lineup. Our help costs you nothing, and your premium is the same whether you enroll through us or on your own.

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Start With the Question You Actually Have

Every path below leads somewhere specific

There is no single right Medicare plan, only the one that fits the care you already receive. Pick the topic closest to your situation and we will meet you there.

Medicare Advantage

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Private plans that bundle your Part A, Part B, and usually Part D coverage into one plan with a network, a set of copays, and an annual out-of-pocket maximum.

Medicare Supplement

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Also called Medigap, these policies pair with Original Medicare and pick up much of the coinsurance and deductible costs Medicare leaves to you.

Medicare Part D

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Standalone prescription drug coverage, priced and structured around the specific medications on your list rather than the monthly premium alone.

New to Medicare

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A full hour, walked through from the beginning, covering when to enroll, what each part does, and what happens if you are still working at 65.

Medicare Under 65

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Coverage guidance for Arizonans who qualify through disability, ESRD, or ALS, a group that local brokers rarely address and that faces different Medigap rules.

Medicare for Snowbirds

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Plan options built for people who spend part of the year outside Arizona and need care to work in both places.

Four Parts, Two Paths, and One Decision That Belongs to You

What you are choosing between

Medicare has four parts: Part A covers hospital stays, Part B covers doctors and outpatient care, Part C is Medicare Advantage, and Part D covers prescriptions. From there, nearly everyone is choosing between two paths, either Original Medicare with a Medicare Supplement and a Part D plan, or a single Medicare Advantage plan that combines the pieces. Arizona has 1,519,395 residents enrolled in Medicare, and plan availability is not the same in Maricopa County as it is in Pima or Pinal, which is why a friend's plan is not automatically a good fit for you.


We narrow the field to a short list against your own doctors and medications, whether you are in Peoria, Glendale, Surprise, Sun City, Phoenix, Tucson, or anywhere else in the state.

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The Questions People Ask Us First

Plain answers, no appointment required

  • When can I enroll in Medicare or change the plan I have?

    Your Initial Enrollment Period runs for seven months, starting three months before the month you turn 65 and ending three months after it. After that, the Annual Enrollment Period each fall, October 15 through December 7, is when you can switch Medicare Advantage plans, change Part D plans, or move between Original Medicare and Medicare Advantage, with changes taking effect January 1. If you are already in a Medicare Advantage plan, the Medicare Advantage Open Enrollment window from January 1 through March 31 allows one additional change. Special Enrollment Periods can open outside those windows for events like moving, losing employer coverage, or a carrier leaving your county, and we will tell you which one applies to you.

  • How long do I have to buy a Medicare Supplement without answering health questions?

    Federal rules give you a six-month Medigap open enrollment window that begins the month you are both 65 or older and enrolled in Part B. During that window, a carrier cannot turn you down, charge you more, or delay coverage because of your health history. After it closes, most Arizona applications go through medical underwriting, and a carrier can decline you or raise your rate. This is the one Medicare window that generally does not come back, so it is worth understanding before it passes.

  • How do I know whether a plan covers my doctor and my hospital?

    You check the plan's current provider directory for the coming year, not last year's, because networks change annually. Arizona clients most often ask about Banner Health, HonorHealth, Abrazo, Dignity Health, and Mayo Clinic Arizona, and participation varies by plan and by county. We will not tell you a system is covered without confirming it, so bring us the names of your doctors, your hospital, and your specialists. Verifying that list is part of every plan review we do.

  • Do I have to pay you to help me choose a Medicare plan?

    No. Carriers pay broker compensation, so there is no fee, no retainer, and no charge for a second conversation. Your premium is identical whether you enroll through us, through a call center, or directly with the carrier. That also means our compensation does not change based on whether you switch plans or keep the one you have.

  • Arizona has free Medicare counseling. Why would I use a broker instead?

    Arizona's State Health Insurance Assistance Program offers free, unbiased counseling and it is a genuinely good resource, particularly for questions about Medicare's rules and public assistance programs. What a counselor cannot do is enroll you in a plan or act as your ongoing advocate when a claim is denied or your plan changes next year. A call center can enroll you, but the person on that call will not be the one who picks up next January. We do both parts, and you get the same person each year.