Medicare · State of Arizona
Medicare for Arizona Residents
Arizona has 1.4 million Medicare beneficiaries — including a heavy concentration of retirees in Phoenix, Tucson, and Prescott. Ten Point Financial Group is an Arizona-licensed independent Medicare agency. We help Arizona retirees navigate the state's specific Medicare market — including a high concentration of snowbird considerations.
1.4M
AZ Medicare beneficiaries
$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.
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.
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.