No Cost Medicare Help for Arizona Residents, by Phone or Video
Lara is licensed in Arizona and meets clients by phone and video, so the service is the same in central Phoenix as it is in a small town three hours away. Agent compensation comes from the carriers, so her help costs you nothing and your premium is the same either way. What you get is a real comparison across several insurance companies, a check of your doctors and prescriptions against each plan, and someone who answers the phone after enrollment. Appointments are available in English, Spanish, and Hebrew. Call (818) 472-5484.
Medicare Basics in Arizona
Arizona had 1,543,490 Medicare beneficiaries as of December 2025. About 51 percent chose Medicare Advantage, roughly the national average. Plan availability varies considerably by county, so a Phoenix resident sees a very different lineup than someone in rural Arizona. For 2026, 29 insurers sell Medigap plans in Arizona and 10 stand alone Part D plans are offered, which is plenty of choice and plenty of room to pick the wrong one. Free counseling is available through the Arizona State Health Insurance Assistance Program, the state SHIP run through the Arizona Department of Economic Security. It is a good neutral resource, and Lara adds licensed enrollment help on top of it. The 2026 numbers for Arizona, from the official CMS Landscape file: 84 distinct Medicare Advantage plans are offered in at least one Arizona county, 73 of them with a $0 monthly premium where offered, plus 49 Special Needs Plans. The in network out of pocket maximums on those plans run from $2,000 to $9,250, with a median of $4,900. What is actually available depends on your county, which is exactly what we check at your address (Goulson analysis of CMS CY2026 Landscape data).
Medicare Open Enrollment Runs October 15 to December 7, 2026
The Annual Enrollment Period for 2027 coverage runs October 15 to December 7, 2026. Changes take effect January 1, 2027. Book a review call in September or early October, before calendars fill. Arizona plans adjust networks, drug tiers, and extra benefits each year, and a fifteen minute check in the fall is far easier than untangling a surprise in February.
Arizona Medigap Rules You Should Know
Arizona uses the standard federal framework. You get a six month Medigap open enrollment window that starts when you are 65 or older and enrolled in Part B, and during that window no carrier can turn you down for health reasons. Arizona has no birthday rule and no annual guaranteed issue window like California or Oregon, so switching Medigap plans later usually means answering health questions. Arizona also does not require insurers to sell Medigap to people under 65, and as of 2026 no Arizona insurer offers under 65 Medigap, so beneficiaries on disability typically use Medicare Advantage until their open enrollment window opens at 65. The practical conclusion: timing your first Medigap decision correctly matters more in Arizona than it does in a birthday rule state.
Serving Phoenix, Tucson, Scottsdale, and Mesa
Phoenix and the rest of Maricopa County have one of the largest Advantage plan counts in the Southwest, along with large medical groups whose contracts shift from year to year. Tucson and Pima County have a smaller but distinct lineup, and plans that look identical on paper often use different provider networks there. Scottsdale clients frequently weigh Medigap against Advantage because they travel or spend summers out of state. Mesa and the East Valley round it out. Comparisons should always be zip code specific, because county borders change what you can actually buy.
Why Use an Independent Agent Instead of Calling Carriers
A carrier phone line can only quote its own plans, and it has no reason to mention that a competitor covers your specialist or prices your prescription lower. An independent agent compares plans across carriers, checks your doctors and prescriptions against each option, and stays your point of contact after enrollment. Since Medicare pays for very little long term care, that is usually the next planning conversation.
Talk to a Licensed Agent About Your Arizona Medicare
Medicare is easier when someone reads the fine print with you. Lara Goulson is licensed in Arizona and ten other states, compares plans from multiple carriers, and stays available after you enroll, when the questions about claims, drug tiers, and provider changes actually show up. There is no fee for any of it. Carriers pay agent compensation, so a Arizona resident pays exactly the same premium whether they enroll through Lara, through a call center, or on their own.
Call or text (818) 472-5484 for a free Arizona Medicare review. No cost, no obligation, and your premium is the same either way.
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