D-SNP: 10 plans
For people with both Medicare and AHCCCS (Arizona Medicaid).
Fountain Hills, Maricopa County, Arizona
Fountain Hills, AZ Medicare Plans for 2027
Four in ten Fountain Hills residents are 65 or older, more than any community on this site except Sun Lakes. That makes Medicare the main coverage question in town, and the answer starts with the Maricopa County plan list.
- 52 Medicare Advantage plans in Maricopa County, 2027
- 39 With a $0 monthly premium, medical and drug
- 13 Organizations offering plans
- 40 Special Needs Plans, counted separately
In their own words
What working with Viola looks like
Viola is amazing to work with she really helped my aunt get on the correct insurance plan that meet her health needs! It was so easy to communicate with Viola. She makes sure she reviews our plan every year and educates us on any changes. We have peace of mind which is hard to come by with health insurance!
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Fountain Hills Medicare at a glance for 2027
- 52 Medicare Advantage plans for Fountain Hills residents (Maricopa County), 39 with a $0 monthly premium
- In-network out-of-pocket maximums from $2,000 to $8,900 a year
- 13 insurance companies offer them
- 9 standalone Part D plans in Arizona
- You still pay the Part B premium, $202.90 a month in 2026 (the 2027 amount is announced by CMS around November)
- Annual Enrollment: October 15 to December 7, 2026, for coverage that starts January 1, 2027
Examples of $0 premium plans with drug coverage, by 2026 star rating and out-of-pocket limit
- SCAN Classic (HMO)SCAN Health Plan · 4.5★ (2026) · out-of-pocket max $2,000 · drug deductible $0
- SCAN MyChoice (HMO)SCAN Health Plan · 4.5★ (2026) · out-of-pocket max $2,500 · drug deductible $0
- AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS)UnitedHealthcare · 4.5★ (2026) · out-of-pocket max $3,500 · drug deductible $685
Source: CMS Medicare Advantage and Part D Landscape, contract year 2027, retrieved 2026-10-13. 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. Currently we represent 34 organizations which offer 64 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
The community
Fountain Hills at a glance
The Census Bureau counts about 23,800 Fountain Hills residents, 40.7% of them 65 or older, with a median age of 61.5 and a median household income of about $112,700. Only 4.5% of residents have no health insurance.
CDC estimates that 34.8% of Fountain Hills adults have arthritis and 40.0% have high blood pressure, well above the Arizona county averages of 25.2% and 32.8%. Fountain Hills is in Maricopa County, so residents choose from the Maricopa County Medicare Advantage list for 2027. Plans rated 4 stars or higher by CMS are spotlighted below, and the Medigap section explains the other path, Original Medicare with a supplement.
How Viola helps here. Fountain Hills has no hospital of its own, so the nearest CMS rated hospitals are in Scottsdale. Rise Up Benefits Group is based in Chandler, and Fountain Hills clients meet with Viola by phone or video, or at the Chandler office.
| Measure | Fountain Hills | Maricopa County | Arizona |
|---|---|---|---|
| Population | 23,789 | 4,559,748 | 7,378,838 |
| Residents aged 65 and over | 9,693 | 742,814 | 1,397,551 |
| Share aged 65 and over | 40.7% | 16.3% | 18.9% |
| Median age | 61.5 | 37.6 | Not computed |
| Median household income | $112,654 | $89,300 | Not computed |
| Share with no health insurance (all ages) | 4.5% | 10.6% | 10.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, detailed tables and table S2701 for Fountain Hills; county and Arizona columns from the county query.
Arizona totals are the sum of all 15 Arizona counties in the same Census release; a statewide median is not computed here.
By the numbers
2027 Medicare Advantage in Maricopa County
Medicare Advantage plans are approved by county, so Fountain Hills residents see the Maricopa County list. Figures from the CMS Landscape file for contract year 2027; Special Needs Plans are counted separately.
- $1.90 Average monthly medical premium
- $7.68 Average medical + drug premium
- 45 Plans that include drug coverage
- $2,000 Lowest in-network out-of-pocket limit
- $4,896 Average in-network out-of-pocket limit
- $8,900 Highest in-network out-of-pocket limit
- $494.71 Average Part D deductible (plans with drugs)
- 15 Plans with a 2026 rating of 4★ or more
- 3.73★ Average 2026 star rating (rated plans)
The "$0 monthly premium" count means $0 for medical and drug coverage together. The tables also show the medical premium alone, because some plans with a $0 medical premium charge for drug coverage. 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 the 2027 plan file used here carries no star ratings yet.
| Plan type | Plans | $0 medical 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 |
Source: CMS Medicare Advantage and Part D Landscape, contract year 2027, retrieved 2026-10-13.
Health profile
What is common in Fountain Hills
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
| Measure | Fountain Hills | Maricopa County | Arizona county average |
|---|---|---|---|
| Diagnosed diabetes | 12.1% | 10.6% | 11.3% |
| High blood pressure | 40.0% | 30.8% | 32.8% |
| Obesity | 27.0% | 30.4% | 31.3% |
| Coronary heart disease | 8.3% | 5.7% | 6.4% |
| COPD | 7.0% | 5.7% | 6.6% |
| Adults 18 to 64 without health insurance | 5.4% | 12.9% | 13.2% |
| Arthritis | 34.8% | 23.5% | 25.2% |
| High cholesterol | 45.9% | 36.5% | 37.3% |
| Stroke | 4.0% | 3.0% | 3.4% |
Source: CDC PLACES, 2023 model-based estimates; Arizona figure from the county file.
CDC PLACES: Local Data for Better Health, Place Data, 2025 release (2023 survey estimates), retrieved 2026-10-26. 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.
Why this matters for plan choice
Fountain Hills runs above the Arizona average on high cholesterol, high blood pressure, coronary heart disease, diagnosed diabetes, stroke, and copd. The chronic-condition Special Needs Plans on the Maricopa County list are built around these conditions: cardiovascular disorders, chronic heart failure, chronic kidney disease, chronic lung disorders, diabetes mellitus, and 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.
Spotlight for Fountain Hills
Plans with a 2026 star rating of 4 or higher
The 2027 plan file used here carries no star ratings yet, so these are the 2026 ratings, joined to each plan by its CMS plan ID. Stars measure plan quality overall; they do not tell you whether your doctor or your drugs are covered. From the Maricopa County list, CMS contract year 2027.
| Plan | Type | 2026 stars | Monthly premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| SCAN Classic (HMO)SCAN Health Plan | HMO | 4.5★ | $0 | $2,000 | $0 | H1822_001 |
| SCAN MyChoice (HMO)SCAN Health Plan | HMO | 4.5★ | $0 | $2,500 | $0 | H1822_007 |
| Blue Best Life Plus (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) | HMO | 4.5★ | $49 | $3,000 | $500 | H0302_001 |
| AARP Medicare Advantage Essentials from UHC AZ-2 (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | $0 | $3,500 | $685 | H0609_026 |
| AARP Medicare Advantage from UHC AZ-002P (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | $0 | $3,500 | $685 | H0609_027 |
| Blue Best Life Classic (HMO)Blue Cross Blue Shield of Arizona (AZ Blue) | HMO | 4.5★ | $0 | $3,550 | $500 | H0302_006 |
| AARP Medicare Advantage from UHC AZ-0003 (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | $26 | $3,900 | $685 | H0609_044 |
| AARP Medicare Advantage Extras from UHC AZ-5 (HMO-POS)UnitedHealthcare | HMO-POS | 4.5★ | $0 | $5,400 | $685 | H0609_046 |
| Aetna Medicare Eagle (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $5,500 | No drug coverage | H5521_329 |
| Aetna Medicare Value Care (PPO)Aetna Medicare | PPO | 4.5★ | $16.80 | $5,900 | $700 | H5521_649 |
| Humana Essentials Plus Giveback (PPO)Humana | PPO | 4.5★ | $0 | $6,100 | $700 | H7617_051 |
| Aetna Medicare Signature (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $7,150 | $700 | H5521_554 |
| Humana Total Complete (HMO)Humana | HMO | 4.0★ | $0 | $3,400 | $200 | H4461_056 |
| Alignment Health ONE + Walgreens 001 (HMO)Alignment Health Plan | HMO | 4.0★ | $0 | $3,499 | $0 | H3443_001 |
| Alignment Health Smart 005 (HMO)Alignment Health Plan | HMO | 4.0★ | $0 | $3,900 | $700 | H3443_005 |
Source: CMS Medicare Advantage and Part D Landscape, contract year 2027, retrieved 2026-10-13.
See every Maricopa County plan with premiums and limits, or compare your ZIP code's plans with our 2027 plan comparison tool and then talk them through with Viola.
The other path
Medigap in Fountain Hills
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 (except Medicare SELECT policies): any provider that accepts Medicare accepts it, anywhere in the country. You pay a monthly Medigap premium on top of Part B, while most Advantage plans on this list charge $0, 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 (CMS, Choosing a Medigap Policy). See Medicare Advantage vs Medigap.
Quality
How the 2026 stars fall
CMS rates each contract from 1 to 5 stars. The 2027 plan file used here carries no star ratings yet, so this shows the 2026 rating for each of the 52 Maricopa County plans. New plans and some small contracts are not rated.
- 4.5★ 12 plans (23%)
- 4.0★ 3 plans (6%)
- 3.5★ 18 plans (35%)
- 3.0★ 5 plans (10%)
- 2.5★ 2 plans (4%)
- Not rated 12 plans (23%)
No plan on the Maricopa County list has a 5-star 2026 rating.
Source: CMS Part C and D Star Ratings data (2026 ratings), joined by contract to the CMS 2027 Landscape.
Hospitals
Hospitals near Fountain Hills
Medicare-certified hospitals in Scottsdale 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 |
|---|---|---|---|
| HonorHealth Scottsdale Osborn Medical CenterAcute Care | 7400 East Osborn Road, Scottsdale, AZ 85251 | Yes | 3 of 5 |
| HonorHealth Scottsdale Shea Medical CenterAcute Care | 9003 East Shea Boulevard, Scottsdale, AZ 85260 | Yes | 3 of 5 |
| HonorHealth Scottsdale Thompson Peak Medical CenterAcute Care | 7400 East Thompson Peak Parkway, Scottsdale, AZ 85255 | Yes | 5 of 5 |
Source: CMS Hospital General Information (Provider Data Catalog), retrieved 2026-10-13.
Special needs
40 Special Needs Plans in Maricopa County
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.
C-SNP: 25 plans
For people with qualifying chronic conditions: Cardiovascular Disorders; Chronic Heart Failure; Chronic Kidney Disease; Chronic Lung Disorders; Diabetes Mellitus; Post Renal Organ Transplantation.
I-SNP: 5 plans
For people who live in, or need the level of care of, a long-term care facility.
Prescription drugs
Standalone Part D plans in Arizona
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 |
Source: CMS Medicare Advantage and Part D Landscape, contract year 2027, retrieved 2026-10-13.
The Part D out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027 (CMS CY2027 Rate Announcement). What you pay also depends on Extra Help and any late enrollment penalty.
When you can change
How and when to enroll
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.
Initial Enrollment Period
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Annual Enrollment Period
October 15 to December 7, 2026. Choose or change plans for 2027; coverage starts January 1.
Medicare Advantage Open Enrollment
January 1 to March 31. If you are in a Medicare Advantage plan, you can switch plans or return to Original Medicare once.
Special Enrollment Periods
Moving, losing employer coverage, gaining Medicaid (AHCCCS) or a plan not renewing can open a window outside the normal calendar.
Viola handles the enrollment with you, in person, by phone or by video; call (480) 300-5776. More detail: Medicare enrollment periods.
Plain English
Medicare plan terms on this page
- Medicare Advantage (Part C)
- A Medicare approved plan from a private company that provides your Part A and Part B benefits in place of Original Medicare. Most include drug coverage and some extras. You keep paying your Part B premium.
- $0 premium plan
- The plan charges no monthly premium of its own for medical or drug coverage. Some plans have a $0 medical premium but still charge for drug coverage, so check both. You still pay your Part B premium, plus copays or coinsurance when you use care.
- In-network out-of-pocket maximum (MOOP)
- The most you pay in a calendar year for covered Part A and Part B services from in-network providers. Once you reach it, the plan pays for covered in-network care for the rest of the year. Premiums and Part D drug costs do not count toward it.
- HMO
- Health Maintenance Organization. You generally use doctors and hospitals in the plan network, except for emergencies and urgent care, and many HMOs ask for a referral before you see a specialist.
- PPO
- Preferred Provider Organization. You can use doctors in or out of the network, but out-of-network care usually costs more. Referrals are usually not required.
- HMO-POS
- An HMO with a point of service option. You mostly use the network, but the plan lets you get some services out of network, usually at a higher cost.
- Special Needs Plan (SNP)
- A Medicare Advantage plan open only to people with particular needs: both Medicare and Medicaid (AHCCCS in Arizona), certain chronic conditions, or living in an institution such as a nursing home.
- Star rating
- A yearly CMS quality score from 1 to 5 stars, based on measures such as preventive care, member experience and customer service. It describes the plan overall; it does not tell you whether your doctors or drugs are covered.
FAQ
Fountain Hills Medicare questions
How many Medicare Advantage plans are available in Fountain Hills for 2027?
Fountain Hills uses the Maricopa County plan list. It has 52 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 13 organizations, and 39 of them have a $0 monthly premium for medical and drug coverage. 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.
How many Medicare Advantage plans in Fountain Hills have a 4 star rating or higher?
15 of the 52 Medicare Advantage plans on the Maricopa County list for 2027 carry a 2026 CMS star rating of 4 or higher, and the average across rated plans is 3.73 stars. The 2027 plan file used here carries no star ratings yet, so these are the 2026 ratings. Stars measure plan quality overall; they do not tell you whether your doctors or prescriptions are covered, so Viola checks those as well. Source: CMS 2027 Landscape file and 2026 star ratings.
Where is the nearest hospital to Fountain Hills?
There is no Medicare certified hospital inside Fountain Hills. The nearest hospitals CMS rates are in Scottsdale, listed on this page with their CMS overall star ratings. Before you pick a plan, check that the hospital and doctors you use are in its network.
Should Fountain Hills retirees choose Medigap or Medicare Advantage?
It depends on how you use care. Medigap with Original Medicare lets you see any doctor who takes Medicare, including specialists in Scottsdale and Phoenix, for a monthly premium. A Medicare Advantage plan uses a network and often has a lower premium, with copays and a yearly out-of-pocket limit. Viola compares both for your doctors and drugs before you decide.
Can I work with Viola if I live in Fountain Hills?
Yes. Viola meets Fountain Hills clients by phone or video, or at the Rise Up Benefits Group office at 2160 North Alma School Road, Suite 102 in Chandler. The office is open Monday to Friday, 9 AM to 5 PM, and appointments are recommended, so call (480) 300-5776 first. Either way, you leave knowing what your plan covers and how to use it.
What changes for Medicare plans in Fountain Hills in 2027?
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; the remaining difference comes from existing plans whose service area changed. No carrier leaves the county entirely. Your plan’s Annual Notice of Change lists what changes for you on January 1.
Can I buy a separate Part D drug plan in Fountain Hills for 2027?
Yes. Standalone Part D plans are sold by region rather than by county, and CMS lists 9 of them in Arizona for 2027. People usually pair one with Original Medicare and a Medigap policy. In 2027 the yearly cap on what you pay for covered Part D drugs is $2,400, up from $2,100 in 2026. Viola checks your own drug list against each plan. Source: CMS 2027 Landscape file and Part D program parameters.
When can I change my Medicare plan if I live in Fountain Hills?
Most changes happen during the Annual Enrollment Period, October 15 to December 7, 2026, for coverage that starts January 1, 2027. If you are in a Medicare Advantage plan, you get one more chance from January 1 to March 31 to switch plans or return to Original Medicare. Moving, losing employer coverage or gaining AHCCCS can open a Special Enrollment Period at other times. These dates are the same in every Arizona county.
What does local data say about health coverage in Fountain Hills?
Census figures (ACS 2020 to 2024 5-year estimates) show 4.5% of Fountain Hills residents with no health insurance, against 10.5% for Arizona. For people under 65, we enroll you through HealthCare.gov, the Marketplace Arizona uses; open enrollment for 2027 coverage starts November 1, 2026.
Provenance
Sources and methodology
- Plan data: CMS Medicare Advantage / Part D Landscape, contract year 2027 (https://www.cms.gov/files/zip/cy2027-landscape-202609.zip), filtered to Maricopa County (FIPS 04013), retrieved 2026-10-13. Star ratings: CMS 2026 Star Ratings joined by plan ID.
- 2027 changes: CMS Landscape 2026 (https://www.cms.gov/files/zip/cy2026-landscape-202609.zip) and 2027, with the CMS CY2026 to CY2027 plan crosswalk, retrieved 2026-10-13.
- Health data: CDC PLACES: Local Data for Better Health, Place Data, 2025 release (2023 survey estimates), retrieved 2026-10-26. Model-based small-area estimates of crude prevalence among adults 18 and over, not a count of local diagnoses. Endpoint: https://data.cdc.gov/resource/eav7-hnsx.json.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Fountain Hills town, Arizona, retrieved 2026-10-13. Queries: detailed tables and subject table S2701. Residents 65 and over are the sum of the 12 age groups 65 and older in table B01001.
- Hospitals: CMS Hospital General Information (Provider Data Catalog) (https://data.cms.gov/provider-data/dataset/xubh-q36u), retrieved 2026-10-13.
- Federal figures: 2026 Part B premium and deductible from CMS; 2027 Part B values are announced around November 2026. 2027 Part D base premium ($41.33) from the CMS July 28, 2026 Part D announcement; 2027 Part D deductible and out-of-pocket cap from the CMS CY2027 Rate Announcement, Attachment V.
How the figures are derived
- Headline plan counts and averages exclude Special Needs Plans, which have their own eligibility rules and are reported separately.
- The "$0 monthly premium" count means $0 for medical and drug coverage together; the medical premium alone is reported separately. Out-of-pocket limits are in-network amounts. The average Part D deductible covers plans with drug coverage only.
- The 2026 to 2027 comparison counts Medicare Advantage plans with drug coverage, Special Needs Plans included, so it differs from the headline count.
- We do not publish per-plan enrollment: the source does not carry it, and we never estimate plan figures.
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 or 1-800-MEDICARE 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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All areas we serve · Arizona Medicare guide, all 15 counties
Let's talk about your coverage in Fountain Hills
Book a free, no-pressure review with Viola in person in Chandler, AZ, or by phone or video from any state where she is licensed. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776