Medicare plans in Santa Cruz County, AZ
33 plans are approved for Santa Cruz County, and 18 of them have no monthly premium. 33 carry a CMS star rating.
65.6% of the 12,340 people eligible for Medicare in Santa Cruz County are already in a Medicare Advantage plan (September 2026). Across Arizona it is 51.6%, and across the country 51.6% — summed by us from the county counts CMS published.
All plans · Medicare Advantage · Special Needs Plans · Part D drug plans
Across these 33 plans the median monthly premium here is $0.00, the median out-of-pocket cap $6,750, and the median star rating 3.5 (medians are ours; every figure in the table is as CMS published it).
| Plan | Premium a month | Most you can pay a year | Drug deductible | Stars | Enrolled here |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC AZ-0010 (PPO) UnitedHealthcare · PPO |
$0 | $6,700 | $600 | 4.0/5 | 422 |
| AARP Medicare Advantage Patriot No Rx AZ-MA01 (PPO) UnitedHealthcare · PPO |
$0 | $6,700 | Not published | 4.0/5 | 28 |
| Alignment Health the ONE + Walgreens (HMO) Alignment Health Plan · HMO |
$0 | $2,499 | $0 | 4.0/5 | 1,131 |
| Alignment Health Heart & Diabetes (HMO C-SNP) Alignment Health Plan · HMO C-SNP |
$0 | $2,499 | $0 | 4.0/5 | 274 |
| Alignment Health smartHMO (HMO) Alignment Health Plan · HMO |
$0 | $3,900 | $615 | 4.0/5 | 241 |
| AARP Medicare Advantage CareFlex from UHC AZ-17 (HMO-POS) UnitedHealthcare · HMO-POS |
$0 | $6,700 | $600 | 4.0/5 | 114 |
| Wellcare Simple (HMO) Wellcare · HMO |
$0 | $7,000 | $615 | 3.5/5 | 412 |
| Wellcare Giveback (HMO) Wellcare · HMO |
$0 | $9,250 | $615 | 3.5/5 | 25 |
| Wellcare Specialty Simple (HMO C-SNP) Wellcare · HMO C-SNP |
$0 | $9,250 | $615 | 3.5/5 | 27 |
| HumanaChoice H5216-263 (PPO) Humana · PPO |
$0 | $5,450 | $300 | 3.5/5 | 263 |
| Humana Essentials Plus Giveback H5216-435 (PPO) Humana · PPO |
$0 | $7,850 | $0 | 3.5/5 | 174 |
| Humana USAA Honor Giveback (PPO) Humana · PPO |
$0 | $5,150 | Not published | 3.5/5 | 49 |
| DEVOTED CORE 007 AZ (HMO) Devoted Health · HMO |
$0 | $6,750 | $375 | 3.5/5 | Fewer than 11 |
| Wellpoint Medicare Advantage (HMO-POS) Wellpoint · HMO-POS |
$0 | $3,000 | $200 | 3.0/5 | 51 |
| DEVOTED CHOICE 002 AZ (PPO) Devoted Health · PPO |
$0 | $5,900 | $375 | 3.0/5 | Fewer than 11 |
| DEVOTED CHOICE MA ONLY 005 AZ (PPO) Devoted Health · PPO |
$0 | $5,900 | Not published | 3.0/5 | 24 |
| DEVOTED CHOICE GIVEBACK 006 AZ (PPO) Devoted Health · PPO |
$0 | $8,300 | $605 | 3.0/5 | 32 |
| HumanaChoice R7220-001 (Regional PPO) Humana · Regional PPO |
$0 | $6,000 | Not published | 2.5/5 | Fewer than 11 |
| UHC Dual Complete AZ-S001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$11.50 | $9,250 | $615 | 3.5/5 | 85 |
| UHC Complete Care Support AZ-1A (PPO C-SNP) UnitedHealthcare · PPO C-SNP |
$13.30 | $9,250 | $615 | 4.5/5 | 254 |
| Wellcare Arizona Complete Health Dual Align (HMO D-SNP) Wellcare · HMO D-SNP |
$14.40 | $9,250 | $615 | 3.5/5 | Fewer than 11 |
| Mercy Care Advantage (HMO D-SNP) Mercy Care Advantage · HMO D-SNP |
$15.20 | $9,250 | $615 | 3.0/5 | Fewer than 11 |
| Alignment Health Heart & Diabetes Plus (HMO C-SNP) Alignment Health Plan · HMO C-SNP |
$17.00 | $8,850 | $615 | 4.0/5 | 195 |
| Alignment Health Heart & Diabetes AZPlus (HMO C-SNP) Alignment Health Plan · HMO C-SNP |
$17.00 | $2,900 | $615 | 4.0/5 | 157 |
| UHC Dual Complete AZ-Y001 (HMO-POS D-SNP) UnitedHealthcare · HMO-POS D-SNP |
$17.00 | $9,250 | $615 | 3.5/5 | Fewer than 11 |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · HMO D-SNP |
$17.00 | $9,250 | $615 | 3.5/5 | 520 |
| Banner Medicare Advantage Dual (HMO D-SNP) Banner Medicare Advantage · HMO D-SNP |
$17.00 | $9,250 | $615 | 3.5/5 | 147 |
| Wellcare Dual Liberty Sync (HMO D-SNP) Wellcare · HMO D-SNP |
$17.00 | $9,250 | $490 | 3.5/5 | 1,781 |
| DEVOTED C-SNP PLUS 027 AZ (HMO C-SNP) Devoted Health · HMO C-SNP |
$17.00 | $9,250 | $615 | 3.5/5 | 28 |
| HumanaChoice R7220-002 (Regional PPO) Humana · Regional PPO |
$37.00 | $6,800 | $615 | 2.5/5 | 12 |
| AARP Medicare Advantage from UHC AZ-0013 (HMO-POS) UnitedHealthcare · HMO-POS |
$44.00 | $5,900 | $440 | 4.0/5 | 1,033 |
| AARP Medicare Advantage from UHC AZ-0008 (PPO) UnitedHealthcare · PPO |
$45.00 | $5,900 | $600 | 4.0/5 | 70 |
| AARP Medicare Advantage Access from UHC AZ-15 (PPO) UnitedHealthcare · PPO |
$295.00 | $3,000 | $600 | 4.0/5 | Fewer than 11 |
Plan types: HMO: Health Maintenance Organization — you use the plan's own network of doctors and hospitals, and usually need a referral to see a specialist. HMO-POS: HMO with a point-of-service option — an HMO that also lets you use some services out of network, at a higher cost. PPO: Preferred Provider Organization — you can see any Medicare provider, and pay less inside the plan's network. Regional PPO: Regional PPO — a PPO that serves a whole CMS region rather than a set of counties, with the same premium and benefits across it. D-SNP: Dual-eligible Special Needs Plan — only for people who have both Medicare and Medicaid. C-SNP: Chronic-condition Special Needs Plan — only for people with a specific condition the plan names, such as diabetes or heart failure.
Get told when this changes
Plans arriving in or leaving Santa Cruz County, and premiums moving, when CMS republishes.
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Nearby and related
Largest Arizona counties by plans on offer: Maricopa County (88) · Pima County (82) · Pinal County (68) · Graham County (32) · Yavapai County (31) · Cochise County (26)
Counties selling the same plans: Graham County (25 of these 33 plans) · Cochise County (24 of these 33 plans) · Yuma County (24 of these 33 plans) · Yavapai County (23 of these 33 plans) · La Paz County (22 of these 33 plans) · Coconino County (20 of these 33 plans) · Pima County (20 of these 33 plans) · Greenlee County (18 of these 33 plans)
All Arizona counties · What changed recently
CMS files as loaded on 17 September 2026. Premiums, deductibles, maximum out-of-pocket amounts, star ratings and sanctions are reproduced from the Centers for Medicare & Medicaid Services landscape file as published in the September 2026 release. Enrolment counts are from the CMS monthly enrolment file; CMS suppresses any count of ten or fewer, which is why many plans show “fewer than 11” rather than a number. The only figures we calculate are the averages and medians marked as ours, from those same files. This is not a complete list of your options and it is not advice: see Medicare.gov or call 1-800-MEDICARE.