Medicare Part D Arizona: Your Guide to Drug Plans in 2025
Choosing the right Medicare Part D plan in Arizona can feel like navigating a maze of premiums, deductibles, and formularies. But it doesn’t have to be overwhelming. With 21 different Medicare Part D Arizona plans available, finding one that fits your healthcare needs and budget is completely possible.
We're here to walk you through everything you need to know so you can make a confident, informed decision about your Medicare Part D Arizona coverage options.
Medicare Part D Arizona: The Complete List
Plan Name | Premium | Deduct. | Benefit | LIS | Gap | Rating |
---|---|---|---|---|---|---|
AARP Medicare Rx Basic from UHC | $39.30 | $545 | Basic | Yes | No | |
AARP Medicare Rx Preferred from UHC | $98.20 | $0 | Enhanced | No | No | |
AARP Medicare Rx Walgreens from UHC | $47.10 | $410 | Enhanced | No | Yes | |
Blue MedicareRx Enhanced | $158.60 | $0 | Enhanced | No | No | |
Blue MedicareRx Value | $52.70 | $545 | Basic | No | No | |
Cigna Extra Rx | $73.00 | $145 | Enhanced | No | Yes | |
Cigna Saver Rx | $11.70 | $545 | Enhanced | No | No | |
Cigna Secure Rx | $42.20 | $545 | Basic | Yes | No | |
Clear Spring Health Value Rx | $26.70 | $545 | Basic | Yes | No | |
Humana Basic Rx Plan | $45.60 | $545 | Basic | No | No | |
Humana Premier Rx Plan | $103.10 | $200 | Enhanced | No | Yes | |
Humana Walmart Value Rx Plan | $33.60 | $545 | Enhanced | No | Yes | |
Mutual of Omaha Rx Essential | $22.90 | $545 | Enhanced | No | No | |
Mutual of Omaha Rx Plus | $103.20 | $545 | Basic | No | No | |
Mutual of Omaha Rx Premier | $67.50 | $349 | Enhanced | No | No | |
SilverScript Choice | $50.40 | $545 | Basic | No | No | |
SilverScript Plus | $112.10 | $200 | Enhanced | No | Yes | |
SilverScript SmartSaver | $9.90 | $280 | Enhanced | No | No | |
Wellcare Classic | $37.30 | $545 | Basic | Yes | No | |
Wellcare Medicare Rx Value Plus | $78.90 | $0 | Enhanced | No | No | |
Wellcare Value Script | $0.00 | $400 | Enhanced | No | No |
Medicare Part D Arizona Explained
Medicare Part D Arizona plans are all about helping you afford your prescription medications. It's a separate program from Original Medicare, and private insurers call the shots. But don't worry, the Medicare program sets the rules.
In Arizona, the average Part D deductible this year is $380. But here's the silver lining: 3 plans offer a zero-dollar deductible, which could save you a good amount upfront, depending on your prescriptions.
Decoding How Medicare Part D Plans Work
Every Medicare Part D plan provides coverage for a broad selection of medications, organized into a list called a formulary. This list details all the drugs that a particular plan covers. Because formularies can differ between plans, it’s crucial to review your plan’s formulary to ensure it includes the medications you need.
Formularies are also divided into different "tiers," which categorize drugs based on their cost. Typically, medications in the lower tiers have smaller copayments, while those in the higher tiers come with greater out-of-pocket costs.
For example, Tier 1 drugs often consist of generics with the lowest copayments. Tier 2 might include preferred brand-name medications at a higher cost, while Tiers 3, 4, and 5 generally cover specialty drugs, which are usually more expensive.
Your out-of-pocket expenses will depend on factors such as the plan you choose, the tier of your medications, and your current phase of coverage, whether it's the deductible phase or initial coverage phase.
What to Consider When Choosing a Medicare Part D Arizona Plan
Finding a Medicare Part D Arizona plan that aligns with your individual needs requires careful review of various factors. This ensures that your plan provides the right coverage while minimizing your out-of-pocket costs.
Monthly PremiumThis is the amount you pay each month for your Medicare Part D plan. Think of it like a subscription fee. While it’s tempting to go for the lowest possible premium, remember to factor in deductibles, copayments, and coverage details.
A lower monthly premium often means a higher deductible or more limited coverage. The goal is to find a good balance that won't result in unexpected expenses later.
Annual Deductible
Similar to deductibles with other types of insurance, this is the amount you need to pay out of pocket for covered medications before your Medicare Part D plan starts covering costs. It’s the amount you pay before your insurance kicks in.
If you regularly take prescription medications, opting for a plan with a lower deductible can often lead to greater savings. If you rarely need prescriptions, choosing a plan with a higher deductible might be a better option.
Drug Formulary
Carefully check the plan’s formulary (list of covered medications) to make sure the drugs you take are on it. Since plans often change their formularies throughout the year, it’s a good practice to review it during the Annual Enrollment Period to confirm your medications are still covered.
Pay special attention to your drug’s tier placement because this directly impacts how much you'll have to pay.
Pharmacy Network
Most plans have preferred pharmacy networks offering reduced medication prices, potentially saving you significant money. Check that the pharmacies you prefer are in the plan’s network and explore if mail-order pharmacy services are an option. This can be particularly beneficial for maintenance medications.
How Part D Plans Work with Other Parts of Medicare
Medicare Part D offers prescription drug coverage, but how does it work alongside your other Medicare benefits? Let’s break it down for clarity:
Original Medicare
If you have Original Medicare, Part A covers your hospital stays, and Part B covers doctor visits and other medical services. This includes any medications your doctor administers in the office. Part D then steps in to help pay for the prescription medications you take at home. This way, you have comprehensive coverage.
Medicare Supplements
Medicare Supplements, sometimes called Medigap, help pay some of your healthcare costs that Original Medicare doesn't cover. This can be things like copays, coinsurance, and deductibles. But they don't cover everything.
For instance, Medicare Supplements don't cover prescription drugs. You'll need a stand-alone Part D plan if you want prescription coverage.
Having a Medicare Supplement plan and a Part D plan can save you a lot of money if you need a lot of medications. Although you have to pay a monthly premium for both, it can be worth it for the peace of mind. This way, you know you have good coverage for both medical and drug costs.
Medicare Advantage Plans
If you have a Medicare Advantage plan, also known as Part C, Part D works a little differently. Most Medicare Advantage plans include prescription drug coverage, which means your medical and drug coverage are combined under one plan.
However, some Medicare Advantage plans don’t include drug coverage, allowing you to pair the plan with a separate Part D plan.
Whether you choose Original Medicare with a standalone Part D plan or opt for a Medicare Advantage plan with built-in drug coverage, the key is to find the best fit for your needs. Consider your current prescriptions and budget to help guide your decision, ensuring you have the right coverage for your health.
Important Dates for Medicare Part D Enrollment
Medicare has specific enrollment periods for signing up or making changes. Here are the key ones to know:
- Initial Enrollment Period (IEP) – Starts three months before your 65th birthday and continues for seven months.
- Annual Enrollment Period (AEP) – From October 15th to December 7th, annually, for making changes to coverage.
- Medicare Advantage Open Enrollment Period – Runs annually from January 1st to March 31st for those with Medicare Advantage.
To learn more, read our Medicare Enrollment Periods Guide
.Finding Help With Medicare Part D Arizona Enrollment
Finding and comparing Medicare Part D California plans alone can sometimes feel daunting. But there’s help available. Our team of experienced, licensed insurance agents is available by phone (1-877-388-0596) from 8 a.m. to 11 p.m., Monday through Sunday (Eastern Standard Time).
We can answer your questions and assist with plan comparisons to guide you through the process.
Plans Offered Through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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