Aetna Medicare Plans in Arizona
Star Rating
4 out of 5
Enrollment
3.2M+ members
National Rank
#3
Network Types
HMO, PPO
Aetna is one of the largest Medicare insurance providers in Arizona, offering Medicare Advantage, Medicare Advantage with prescription drug coverage, Part D prescription drug plans to beneficiaries across the state. With 4-star ratings and coverage in Phoenix, Scottsdale, Mesa and surrounding areas, Aetna serves Arizona's 1.4+ million Medicare-eligible residents.
Arizona has 52% of Medicare beneficiaries enrolled in Medicare Advantage plans, above the national average. Aetna's Arizona plans typically include cvs pharmacy integration and minuteclinic access, making them a strong choice for beneficiaries in the AZ market.
The Bottom Line
Aetna is a top-tier choice for Arizona Medicare beneficiaries who want cvs pharmacy integration with 4-star rated plans. Compare Aetna options with other Arizona carriers to find the best fit for your healthcare needs and budget.
Aetna Pros and Cons
Pros
- CVS pharmacy integration with $0 copays on some drugs
- MinuteClinic access for convenient care
- Strong PPO options with out-of-network benefits
- Good dental and vision coverage
- Resources for Living wellness program
Cons
- Limited presence in some rural areas
- Fewer plan options than UHC or Humana
- Some plans require CVS for preferred pricing
- Customer service reviews are mixed
Aetna Plan Types in Arizona
Aetna offers multiple Medicare plan types to Arizona residents, each designed for different healthcare needs and budgets:
Medicare Advantage (Part C): Aetna's Arizona Medicare Advantage plans combine hospital (Part A), medical (Part B), and usually prescription drug (Part D) coverage into one plan. Many Aetna MA plans in Arizona have $0 monthly premiums beyond the Part B premium, with benefits including dental, vision, hearing, and fitness programs.
Medicare Supplement (Medigap): Aetna offers standardized Medigap plans in Arizona that work with Original Medicare to cover costs like the Part B coinsurance and deductibles. Popular options include Plan G and Plan N.
Part D Prescription Drug Plans: Aetna's standalone Part D plans in Arizona provide prescription drug coverage for those on Original Medicare. Plans vary in formulary coverage and preferred pharmacy networks.
Aetna Provider Networks in Arizona
Aetna's Arizona Medicare Advantage plans use HMO and PPO networks. Network size and provider participation vary by plan and county.
In Phoenix and surrounding Maricopa County, Aetna networks typically include major health systems. However, provider participation can change annually, so always verify your doctors are in-network before enrolling.
For beneficiaries in Phoenix, Scottsdale, Mesa, Tucson, Aetna generally offers good hospital and specialist coverage. Rural areas of Arizona may have more limited network options, making PPO plans with out-of-network benefits a consideration.
Use Aetna's online provider directory at https://www.aetnamedicare.com/find-a-doctor to verify network participation for any Arizona doctor or facility.
Aetna Arizona Plan Costs
Aetna Medicare plan costs in Arizona vary by plan type, county, and coverage level. Here's what to expect:
Medicare Advantage Premiums: Many Aetna MA plans in Arizona offer $0 monthly premiums beyond the Part B premium (often $0). Higher-benefit plans may have premiums of $20-$100+/month.
Out-of-Pocket Maximums: All Aetna Medicare Advantage plans include annual out-of-pocket limits, protecting you from catastrophic costs. Limits typically range from $3,000-$8,000 depending on the plan.
Medigap Premiums: Aetna Medigap plans in Arizona average $155-$255/month for Plan G, varying by age, gender, and tobacco use. Rates are typically lower when you enroll during your Medigap Open Enrollment Period.
Aetna Star Ratings in Arizona
Aetna's Medicare plans currently hold 4-star ratings (out of 5) from CMS. Star ratings measure quality across categories including:
- Staying healthy (screenings, tests, vaccines) - Managing chronic conditions - Member experience and satisfaction - Member complaints and access to care - Customer service quality
Plans with 4+ stars are considered high-performing and may offer additional benefits. Aetna's above-average ratings in Arizona reflect strong performance across these quality measures.
Aetna Key Facts
Frequently Asked Questions
Is Aetna a good Medicare plan in Arizona?
Aetna is one of the largest and most established Medicare insurers in Arizona with 4-star ratings. Whether it's the best choice for you depends on your doctors, medications, and coverage preferences. Aetna is known for cvs pharmacy integration and minuteclinic access.
Does Aetna Medicare cover my Phoenix doctors?
Aetna's Arizona provider networks include many doctors and hospitals in Phoenix and surrounding areas. However, network participation varies by specific plan. Always verify your doctors are in-network using Aetna's provider directory before enrolling.
How much do Aetna Medicare plans cost in Arizona?
Many Aetna Medicare Advantage plans in Arizona have $0 monthly premiums beyond the Part B premium. Costs vary by plan type, benefits, and your county. Aetna Medigap plans typically cost $155-$255/month for Plan G.
Can I switch to Aetna Medicare in Arizona?
You can switch to Aetna during the Annual Enrollment Period (October 15 - December 7), during a Special Enrollment Period if you qualify, or during the Medicare Advantage Open Enrollment Period (January 1 - March 31) if you're currently in a Medicare Advantage plan.
Does Aetna offer $0 premium plans in Arizona?
Yes, Aetna offers several $0 premium Medicare Advantage plans in many Arizona counties. These plans still require you to pay your Part B premium. $0 premium plans may have different benefit levels and cost-sharing than plans with monthly premiums.
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