D-SNP: 10 plans
For people with both Medicare and AHCCCS (Arizona Medicaid).
Sun Lakes is a retirement community, and the numbers show it. Nearly four in five residents are 65 or older, so the Medicare decision here is about keeping coverage working year after year.
In clients' words
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Examples of $0 premium plans with drug coverage, by 2026 star rating and out-of-pocket limit
CMS Medicare Advantage and Part D Landscape, contract year 2027. A plan's fit depends on your doctors and prescriptions; Viola checks both before you choose. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer 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.
The Census Bureau counts 13,924 people in the Sun Lakes census-designated place, and 10,984 of them, 78.9%, are 65 or older. The median age is 73.5, and only 2.2% of residents have no health insurance.
That age profile shows up in the CDC PLACES estimates. High blood pressure (53.0%), high cholesterol (53.9%), arthritis (47.6%) and diabetes (16.8%) all run well above the Arizona average. These are crude rates that follow the age of the community, so they describe Sun Lakes rather than predict any one person, but they explain why chronic-condition plans and Medigap both deserve a look here.
How Viola helps here. Sun Lakes sits next to Chandler, a short trip to the Rise Up Benefits Group office on North Alma School Road. Viola also meets by phone or video, and she reviews your plan each fall so a change in your doctors or drugs never catches you off guard.
| Measure | Sun Lakes | Maricopa County | Arizona |
|---|---|---|---|
| Population | 13,924 | 4,559,748 | 7,378,838 |
| Residents aged 65 and over | 10,984 | 742,814 | 1,397,551 |
| Share aged 65 and over | 78.9% | 16.3% | 18.9% |
| Median age | 73.5 | 37.6 | Not shown |
| Median household income | $67,853 | $89,300 | Not shown |
| Share with no health insurance (all ages) | 2.2% | 10.6% | 10.5% |
Arizona totals are the sum of all 15 Arizona counties in the same Census release; a statewide median is not computed here.
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
| Measure | Sun Lakes | Maricopa County | Arizona county average |
|---|---|---|---|
| Diagnosed diabetes | 16.8% | 10.6% | 11.3% |
| High blood pressure | 53.0% | 30.8% | 32.8% |
| Obesity | 25.7% | 30.4% | 31.3% |
| Coronary heart disease | 13.5% | 5.7% | 6.4% |
| COPD | 10.5% | 5.7% | 6.6% |
| Adults 18 to 64 without health insurance | 5.2% | 12.9% | 13.2% |
| Arthritis | 47.6% | 23.5% | 25.2% |
| High cholesterol | 53.9% | 36.5% | 37.3% |
| Stroke | 6.3% | 3.0% | 3.4% |
CDC PLACES: Local Data for Better Health, Place Data, 2025 release (2023 survey estimates), retrieved 2026-10-13. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Crude rates follow the age mix of a place: an older community reads higher on most conditions. Arizona figure: average of the 15 Arizona counties, weighted by adult population.
Sun Lakes runs above the Arizona average on high blood pressure, high cholesterol, coronary heart disease, diagnosed diabetes, copd, stroke. The chronic-condition Special Needs Plans on the Maricopa County list are built around: Cardiovascular Disorders; Chronic Heart Failure; Chronic Kidney Disease; Chronic Lung Disorders; Diabetes Mellitus; Post Renal Organ Transplantation. If you live with one of those, a C-SNP may be worth a look; you need a qualifying diagnosis to join.
An SNP is a Medicare Advantage plan limited to people who meet a condition. They are left out of the counts above because not everyone can join.
For people with both Medicare and AHCCCS (Arizona Medicaid).
For people with qualifying chronic conditions: Cardiovascular Disorders; Chronic Heart Failure; Chronic Kidney Disease; Chronic Lung Disorders; Diabetes Mellitus; Post Renal Organ Transplantation.
For people who live in, or need the level of care of, a long-term care facility.
Limited to people with the qualifying conditions shown under each plan. A diagnosis is needed to enroll. From the Maricopa County list, CMS contract year 2027.
| Plan | Type | 2026 stars | Part C + D premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| UHC Complete Care AZ-1P (HMO-POS C-SNP)UnitedHealthcare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 4.5★ | $0 | $3,500 | $595 | H0609_042 |
| SCAN Balance (HMO C-SNP)SCAN Health Plan: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.5★ | $0 | $2,000 | $0 | H1822_002 |
| Alignment Health Heart & Diabetes 003 (HMO C-SNP)Alignment Health Plan: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $2,499 | $0 | H3443_003 |
| Alignment Health Heart & Diabetes Plus 007 (HMO C-SNP)Alignment Health Plan: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $2,900 | $700 | H3443_007 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $0 | $2,800 | $500 | H4461_063 |
| Alignment Health Heart & Diabetes Plus 006 (HMO C-SNP)Alignment Health Plan: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 4.0★ | $16.80 | $9,850 | $700 | H3443_006 |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP)Humana: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 3.5★ | $0 | $9,850 | $700 | H0028_077 |
| DEVOTED C-SNP 011 AZ (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 3.5★ | $0 | $6,750 | $700 | H8173_011 |
| DEVOTED C-SNP ENHANCED 014 AZ (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 3.5★ | $0 | $5,000 | $465 | H8173_014 |
| DEVOTED C-SNP PLUS 022 AZ (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 3.5★ | $0 | $9,850 | $461 | H8173_022 |
| Wellcare Specialty Simple (HMO C-SNP)Wellcare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 3.5★ | $0 | $3,450 | $700 | H0351_038 |
| HealthSpring Achieve (HMO C-SNP)HealthSpring: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | 3.5★ | $0 | $2,600 | $500 | H0354_027 |
| Wellpoint Chronic Care (HMO-POS C-SNP)Wellpoint: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 3.0★ | $0 | $2,700 | $150 | H1423_002 |
| Wellpoint Lung Care (HMO-POS C-SNP)Wellpoint: Chronic Lung Disorders | HMO-POS C-SNP | 3.0★ | $0 | $2,700 | $150 | H1423_001 |
| Gold Heart & Diabetes (HMO-POS C-SNP)Gold Kidney Health Plan: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO-POS C-SNP | 3.0★ | $0 | $3,200 | $0 | H4869_001 |
| Gold Dialysis & Kidney (HMO-POS C-SNP)Gold Kidney Health Plan: Chronic Kidney Disease | HMO-POS C-SNP | 3.0★ | $0 | $2,900 | $0 | H4869_003 |
| Gold Dialysis & Kidney Complete (HMO-POS C-SNP)Gold Kidney Health Plan: Chronic Kidney Disease | HMO-POS C-SNP | 3.0★ | $16.80 | $9,250 | $700 | H4869_014 |
| DEVOTED C-SNP ENHANCED 092 AZ (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $3,400 | $650 | H7993_092 |
| DEVOTED C-SNP PLUS 093 AZ (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $9,850 | $650 | H7993_093 |
| DEVOTED C-SNP GIVEBACK EXTRAS 104 AZ (HMO C-SNP)Devoted Health: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $5,550 | $700 | H7993_104 |
| Aetna Medicare Chronic Care (HMO C-SNP)Aetna Medicare: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $3,600 | $700 | H8332_010 |
| Verda Noble Chronic Care (HMO C-SNP)Verda Health Plan of Arizona: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $0 | $1,799 | $300 | H2630_002 |
| Gold Dialysis Premier (HMO-POS C-SNP)Gold Kidney Health Plan: Chronic Kidney Disease | HMO-POS C-SNP | Not rated | $0 | $2,500 | $0 | H4869_015 |
| SCAN DaVita Dialysis Care Complete (HMO-POS C-SNP)SCAN Health Plan: Chronic Kidney Disease, Post Renal Organ Transplantation | HMO-POS C-SNP | Not rated | $12 | $9,850 | $450 | H1822_011 |
| SCAN Walmart Medicare Complete (HMO C-SNP)SCAN Health Plan: Cardiovascular Disorders, Chronic Heart Failure, Diabetes Mellitus | HMO C-SNP | Not rated | $16.80 | $4,450 | $700 | H1822_010 |
See every Maricopa County plan with premiums and limits, or compare plans for your ZIP code with the plan finder.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer 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.
Every Advantage plan on this page replaces Original Medicare with a plan network. The other path keeps Original Medicare and adds a Medicare Supplement (Medigap) policy plus a separate Part D plan.
Medigap has no network: any provider that accepts Medicare accepts it, anywhere in the country. Premiums are higher than most Advantage plans, and in exchange your costs are more predictable.
Timing matters. Your 6-month Medigap open enrollment window starts when you are 65 or older and enrolled in Part B. Inside it, an insurer cannot turn you down or charge more for your health. Outside it, in most cases it can. See Medicare Advantage vs Medigap.
Medicare Advantage plans are approved by county, so Sun Lakes residents see the Maricopa County list. Figures from the CMS Landscape file for contract year 2027; Special Needs Plans are counted separately.
The "$0" and average premium figures use the Part C premium, the CMS convention for comparing plans. The Part C + D figure adds the drug premium. A $0 premium plan still has costs: you keep paying the Part B premium ($202.90 a month in 2026) plus copays up to the plan’s limit. Star ratings shown are 2026 ratings, because 2027 ratings are not loaded yet.
| Plan type | Plans | $0 Part C premium | Average premium | Average out-of-pocket limit | Without drug coverage |
|---|---|---|---|---|---|
| HMO | 29 | 28 | $0.69 | $4,305 | 1 |
| PPO | 14 | 14 | $0 | $6,046 | 3 |
| HMO-POS | 7 | 7 | $0 | $4,564 | 2 |
| Regional PPO | 2 | 1 | $39.45 | $6,575 | 1 |
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer 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.
Medicare-certified hospitals in Chandler from the CMS Hospital General Information file, with the CMS overall star rating. A rating is not network status: check each hospital against a plan.
| Hospital | Address | Emergency services | CMS overall rating |
|---|---|---|---|
| Chandler Regional Medical CenterAcute Care | 1955 West Frye Road, Chandler, AZ 85224 | Yes | 4 of 5 |
| Banner Ocotillo Medical CenterAcute Care | 1405 South Alma School Road, Chandler, AZ 85286 | Yes | 3 of 5 |
Your plan mailed an Annual Notice of Change by September 30, 2026. It lists what changes on January 1, 2027: premium, deductible, out-of-pocket limit, copays, drug list and network. Compare it line by line, or bring it to Viola.
| Measure | 2026 | 2027 |
|---|---|---|
| Plans | 82 | 85 |
| $0 premium plans | 58 | 67 |
| Average in-network out-of-pocket limit | $5,073 | $5,378 |
| Average Part D deductible | $426.71 | $493.21 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
This count differs from the headline above, which covers every non-SNP plan with or without drug coverage. No carrier leaves Maricopa County for 2027, and no carrier enters that was not already there; the changes are plan by plan.
9 plans on the 2026 Maricopa County list end with no successor plan in the county, including Wellcare Giveback (HMO), Wellcare Simple Value (HMO), eternalHealth Grand Give Back (HMO). The full list is on the Maricopa County guide.
If your plan is not renewing: you receive a non-renewal letter in October. You can pick a new plan during the Annual Enrollment Period (October 15 to December 7, 2026), and a Special Enrollment Period runs through the end of February 2027. Confirm your dates on Medicare.gov. The official Medicare & You handbook explains each option.
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan's service area, here Maricopa County.
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Moving, losing employer coverage, gaining Medicaid (AHCCCS) or a plan not renewing can open a window outside the normal calendar.
Ways to enroll: with a licensed agent such as Viola ((480) 300-5776), directly with a plan, or on Medicare.gov. More detail: Medicare enrollment periods.
Part D plans are priced by region, so these 9 plans for 2027 apply across Arizona. They pair with Original Medicare (often with Medigap) or with an Advantage plan that has no drug coverage.
| Plan | Monthly premium | Annual deductible | Plan ID |
|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare | $5.30 | $700 | S4802_134 |
| Humana Basic Rx Plan (PDP)Humana | $6.30 | $700 | S5884_146 |
| Wellcare Classic (PDP)Wellcare | $7.30 | $700 | S4802_092 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX | $9.30 | $700 | S5715_045 |
| Humana Value Rx Plan (PDP)Humana | $22.30 | $687 | S5884_207 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare | $79.80 | $700 | S5921_380 |
| Humana Premier Rx Plan (PDP)Humana | $137.60 | $350 | S5884_174 |
| SilverScript Choice (PDP)Aetna Medicare | $152.70 | $700 | S5601_056 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare | $191.50 | $300 | S5921_409 |
The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027 (CMS program parameters). What you pay also depends on Extra Help and any late enrollment penalty.
Sun Lakes uses the Maricopa County plan list. It has 52 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 13 organizations, and 50 of them have a $0 Part C premium. You still pay the Part B premium, which is $202.90 a month in 2026; the 2027 amount is announced around November 2026. Source: CMS 2027 Landscape file.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer 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.
Sun Lakes is an unincorporated community that the Census Bureau counts as a census-designated place. For Medicare it does not matter: Sun Lakes is in Maricopa County, so residents choose from the Maricopa County plan list.
A C-SNP is a Medicare Advantage plan limited to people with specific qualifying conditions, such as diabetes or chronic heart failure, with care and drug coverage built around that condition. The table on this page lists every C-SNP CMS shows for Maricopa County in 2027. A diagnosis from your doctor is needed to qualify, and Viola checks that before you change anything.
In Maricopa County, plans with drug coverage (Special Needs Plans included) go from 82 in 2026 to 85 in 2027. The CMS crosswalk shows 9 plans ending or leaving the county with no successor there, 4 plans folding into another plan, and 14 new plans. No carrier leaves the county entirely. Your plan’s Annual Notice of Change lists what changes for you on January 1.
Census figures (ACS 2020 to 2024 5-year estimates) show 2.2% of Sun Lakes residents with no health insurance, against 10.5% for Arizona. People under 65 can shop for coverage on HealthCare.gov, the Marketplace Arizona uses; open enrollment for 2027 coverage starts November 1, 2026.
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.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776
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