Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Medicare
Medicare Supplement (Medigap) Plans in Chandler, AZ
A Medicare Supplement, or Medigap, policy works alongside Original Medicare. Medicare pays its share of an approved bill and your Medigap plan pays its share, so the bills you see are smaller and far more predictable. The timing of when you buy one matters as much as which plan you pick.
We do not offer every plan available in your area. Currently we represent 34 organizations which offer 64 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
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Rise Up Benefits Group is absolutely outstanding! Viola and her team are hands down amazing. Knowledgeable, professional, and genuinely caring. They take what could be a complicated process and make it simple and easy to understand. Their expertise with Medicare enrollment gives you complete confidence in your decisions. I truly appreciate how they take the time to explain every option clearly and with patience. I highly recommend Rise Up Benefits Group to anyone needing trusted guidance with Medicare, they’re the best!
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What to know before you choose
Medigap plans are standardized and named by letter. A Plan G from one insurance company has the same basic medical benefits as a Plan G from another; what differs is the premium, how the company has raised rates over time, and its service. That makes the comparison very different from Medicare Advantage. You are not comparing networks, because Original Medicare plus a Medigap plan lets you see any doctor in the country who accepts Medicare. You are comparing price and stability for the same benefits.
Medigap does not replace your Part B premium. You pay $202.90 a month to Medicare in 2026 (most people), plus the Medigap premium to the insurance company. Plan G, a popular letter for people new to Medicare, leaves you the Part B deductible ($283 in 2026) and covers the rest of your share of Medicare approved costs. 2027 figures are announced by CMS around November 2026. Medigap plans do not include drug coverage, so most people pair one with a Part D plan.
A worked example, as an illustration only. Take a year with a hospital stay and many doctor visits, all Medicare approved. On Original Medicare plus Plan G, the Medicare approved costs you pay yourself stop at the Part B deductible, $283. Add twelve months of the 2026 Part B premium ($202.90 times 12, or $2,434.80) and your fixed Medicare costs for the year are $2,717.80, plus your Medigap premium and your Part D premium, which depend on the company, your age and the plan you choose. For comparison, a Medicare Advantage plan in Maricopa County can ask you to pay up to its in-network out-of-pocket maximum in that same year, between $2,000 and $8,900 for 2027 (CMS Landscape), usually with a lower or $0 plan premium. That trade, a steady premium against a capped but uncertain bill, is the real Medigap versus Medicare Advantage decision.
The single most important date is your Medigap Open Enrollment Period: the six months that start the month you are both 65 or older and enrolled in Part B. During that window an insurance company cannot turn you down or charge you more because of your health. Outside it, a company can ask health questions and decline you unless you have a guaranteed issue right. Medigap policies sold here are regulated by the Arizona Department of Insurance and Financial Institutions, and Viola makes sure you know where your window falls before you need it.
Here is how she helps. She explains the difference between the letters in plain words, shows you which ones are sold to people new to Medicare since 2020, and lays out premiums from the companies she works with side by side. She explains how premiums can change as you age and what that means over ten or fifteen years, not just this year. If you are moving from a Medicare Advantage plan, she walks you through the order of steps so you are never left without coverage.
Once you are enrolled she stays in the picture. Each year she checks in, reviews your Part D plan alongside it during Annual Enrollment (October 15 to December 7, 2026), and is a phone call away when a bill or a provider question comes up.
How Viola helps
- Plain English comparison of the Medigap letters, including G and N
- Premiums from the companies Viola works with, laid side by side for the same plan letter
- Your Medigap Open Enrollment window identified so you buy while your health cannot be held against you
- Guaranteed issue rights explained if you are leaving an employer plan or a Medicare Advantage plan
- A Part D drug plan reviewed alongside your Medigap plan
- A yearly check in, and help with bills and questions all year
Who it fits
You want to keep Original Medicare, see any doctor who accepts Medicare, and trade a monthly premium for predictable bills. It suits people who travel, split time between states, or simply want fewer surprises.
When should I buy a Medigap plan?
Usually during your six month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. In that window you cannot be turned down or charged more for your health. After it, insurance companies can use health questions unless you have a guaranteed issue right, so plan ahead.
Sources: 2026 Medicare Parts A and B Premiums and Deductibles (Centers for Medicare & Medicaid Services, 2026) ; CY2027 Medicare Advantage and Part D Landscape (Centers for Medicare & Medicaid Services, 2027) . Reviewed 2026-10-14.
Tools
Run the numbers first
Free calculators for this coverage. Results are estimates, not quotes.
Part B penalty calculator
See how much a late start on Part B adds to your premium, every month, for as long as you have Part B.
IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Medigap vs Advantage costs
Compare what each path could cost you in a typical year and in a heavy-use year.
Guides
Related guides
Compare Medigap Plans in Arizona: G, N and More
Medigap plans are standardized by letter, so Plan G from one company covers the same as Plan G from another. Here is what each letter covers, how Plan G and Plan N differ, and the Arizona rules on when you can buy.
Medicare Advantage vs Supplement in Arizona
Two different ways to fill the gaps in Original Medicare. One trades a lower monthly cost for a network and copays; the other trades a higher premium for predictability and freedom. Here is how to decide in Arizona, where switching back later can be hard.
Medicare Enrollment Periods Explained for Arizona
Every Medicare enrollment window in one place: the Initial Enrollment Period, Annual Enrollment, the Medicare Advantage Open Enrollment Period, the General Enrollment Period, Special Enrollment Periods and the Medigap window.
Turning 65 in Arizona: Your Medicare Checklist
A month-by-month checklist for turning 65 in Chandler and the East Valley: when to enroll, what to compare, which deadlines carry penalties, and which choices are hard to undo in Arizona.
Medicare Late Enrollment Penalties Explained
Signing up for Medicare late can add a penalty to your premium, and for Part B and Part D it usually lasts as long as you have that coverage. Here is how each penalty works, with 2026 and 2027 examples, and how to avoid one.
IRMAA Explained: Medicare's Higher Income Premiums
IRMAA is the extra amount higher earners pay on top of the Part B and Part D premiums. Here is how Social Security decides who pays, the 2026 brackets from CMS, and how to ask for a lower amount when your income drops.
FAQ
Medicare Supplement (Medigap): common questions
When should I buy a Medigap plan?
Usually during your six month Medigap Open Enrollment Period, which starts the month you are 65 or older and enrolled in Part B. In that window you cannot be turned down or charged more for your health. After it, insurance companies can use health questions unless you have a guaranteed issue right, so plan ahead.
What is the difference between Medigap Plan G and Plan N?
Both cover most of your share of Original Medicare costs. Plan G leaves you the yearly Part B deductible. Plan N also leaves the Part B deductible, and adds copays of up to $20 for some office visits and up to $50 for some emergency room visits, plus possible Part B excess charges, usually in exchange for a lower premium.
Viola compares the two with your doctor visits in mind.
Does a Medicare Supplement plan include prescription drug coverage?
No. Medigap policies sold since 2006 do not include drug coverage. Most people with a Medigap plan also enroll in a stand-alone Part D plan, and enrolling on time avoids the Part D late enrollment penalty.
Can my Medigap plan be canceled because of my health?
No. Standardized Medigap policies are guaranteed renewable: as long as you pay the premium, the insurance company cannot cancel your policy because of your health. Premiums can still rise over time.
Can my spouse and I share one Medigap policy?
No. A Medigap policy covers one person, so each spouse buys their own. Some insurance companies offer a household discount when both of you enroll with them.
Can I still buy Medigap Plan F?
Only if you were eligible for Medicare before January 1, 2020. Plans F and C cover the Part B deductible, and federal law stopped selling them to people who became eligible on or after that date.
If you are new to Medicare, Plan G is the closest choice. It covers everything Plan F does except the Part B deductible, which is $283 in 2026.
Do Medigap plans have networks?
Standard Medigap plans do not. You can see any doctor or hospital in the United States that accepts Medicare, with no referrals needed. That freedom is a big reason people who travel or split the year between Arizona and another state choose Medigap.
The exception is Medicare SELECT, a version of Medigap that uses a network in exchange for a lower premium.
How much does a Medicare Supplement plan cost in Arizona?
It depends on the plan letter, your age, your ZIP code, whether you use tobacco and the insurance company. Companies also price differently over time: some base the premium on your current age, so it rises as you get older, and others on your age when you bought it.
Because the coverage for each letter is identical, Viola compares premiums and each company's rate history side by side.
What is a Medigap guaranteed issue right?
It is a federal protection that lets you buy certain Medigap plans without health questions in specific situations, even after your Medigap Open Enrollment Period. Examples include your Medicare Advantage plan leaving the area, losing employer coverage that paid after Medicare, or trying Medicare Advantage for the first time and leaving within 12 months.
These rights have deadlines, so call Viola as soon as your situation changes.
We speak insurance, so you don't have to.
Medicare Supplement (Medigap) in Chandler and across Arizona: no pressure, plain answers, and a review every year.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776