Initial Enrollment Period
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Independent agency
More than half of Gold Canyon is 65 or older, and there is no hospital inside the community. Those two facts decide most Medicare questions here.
In their own words
Viola with Rise Up Benefits is amazing! She has helped me with Medicare and AHCCCS coverage for my mom when she came to AZ from California. She has assisted my husband with a Medicare Advantage plan and let us know about some important changes to his plan that made us look at another plan for next year. Viola is always looking out for her clients. She even got licensed in SC to help my sister! Your in great hands with her!!!
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
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 Census Bureau counts 13,107 people in the Gold Canyon census-designated place, and 7,112 of them, 54.3%, are 65 or older. The median age is 66.6, median household income is about $93,000, and 6.7% of residents have no health insurance. Among the communities on this site, only Sun Lakes, at 78.9% aged 65 or older, has a larger older share.
Gold Canyon is an unincorporated community in Pinal County, east of Apache Junction, so residents choose from the Pinal County plan list. Care happens outside the community: Banner Goldfield Medical Center in Apache Junction is the nearest hospital in the CMS file, and the larger East Valley hospitals are in Mesa. That is why this page spotlights PPO plans, which let you see doctors outside the network at a higher cost.
Heart care deserves a close look here. CDC estimates put coronary heart disease at 10.3% of Gold Canyon adults, against 6.4% for the average Arizona county. Banner Heart Hospital in Mesa is in the CMS file, but it lists no emergency services. For emergencies, the file lists Banner Goldfield in Apache Junction and, farther west, the emergency departments at the Mesa hospitals. Two of the seven hospitals carry a 5 of 5 CMS overall rating: Banner Goldfield and Dignity Health Arizona General. Whichever plan you pick, check that your cardiologist and the emergency department you would reach first are both in it.
How Viola helps here. Gold Canyon clients work with Viola by phone or video, or at the Chandler, AZ office. Viola holds the CLTC (Certified in Long-Term Care) designation, so with more than half the community 65 or older, the Medigap or Advantage conversation can include how you would pay for long-term care. Before comparing plans she lists the doctors and hospitals you actually use, in Apache Junction, Mesa or farther away, because the network is the first thing that matters when care is a drive away. If you would rather learn the basics in a group first, her free Medicare workshop runs every Wednesday at 11:00 AM and 5:30 PM at the Chandler office, and family members helping a parent or loved one are welcome too.
| Measure | Gold Canyon | Pinal County | Arizona |
|---|---|---|---|
| Population | 13,107 | 469,006 | 7,378,838 |
| Residents aged 65 and over | 7,112 | 101,036 | 1,397,551 |
| Share aged 65 and over | 54.3% | 21.5% | 18.9% |
| Median age | 66.6 | 40.4 | Not computed |
| Median household income | $93,377 | $80,266 | Not computed |
| Share with no health insurance (all ages) | 6.7% | 10.9% | 10.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, detailed tables and table S2701 for Gold Canyon; 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.
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.
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
| Measure | Gold Canyon | Pinal County | Arizona county average |
|---|---|---|---|
| Diagnosed diabetes | 15.4% | 12.9% | 11.3% |
| High blood pressure | 47.8% | 36.2% | 32.8% |
| Obesity | 33.8% | 38.4% | 31.3% |
| Coronary heart disease | 10.3% | 6.9% | 6.4% |
| COPD | 9.5% | 7.5% | 6.6% |
| Adults 18 to 64 without health insurance | 6.1% | 13.7% | 13.2% |
| Arthritis | 42.1% | 28.1% | 25.2% |
| High cholesterol | 51.6% | 40.3% | 37.3% |
| Stroke | 5.0% | 3.8% | 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.
Gold Canyon runs above the Arizona average on high blood pressure, high cholesterol, diagnosed diabetes, coronary heart disease, and stroke. The chronic-condition Special Needs Plans on the Pinal County list are built around these conditions: cardiovascular disorders, chronic heart failure, chronic kidney disease, and diabetes mellitus. If you live with one of those, a C-SNP may be worth a look; you need a qualifying diagnosis to join.
Medicare-certified hospitals in Apache Junction and Mesa 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 |
|---|---|---|---|
| Banner Goldfield Medical CenterAcute Care | 2050 West Southern Avenue, Apache Junction, AZ 85120 | Yes | 5 of 5 |
| Banner Desert Medical CenterAcute Care | 1400 South Dobson Road, Mesa, AZ 85202 | Yes | 2 of 5 |
| Banner Baywood Medical CenterAcute Care | 6644 East Baywood Avenue, Mesa, AZ 85206 | Yes | 2 of 5 |
| Banner Heart HospitalAcute Care | 6750 East Baywood Avenue, Mesa, AZ 85206 | No | 2 of 5 |
| Arizona Spine and Joint HospitalAcute Care | 4620 East Baseline Road, Mesa, AZ 85206 | No | Not available |
| HonorHealth Four Peaks Medical CenterAcute Care | 1301 South Crismon Road, Mesa, AZ 85209 | Yes | 2 of 5 |
| Dignity Health Arizona General HospitalAcute Care | 9130 East Elliot Road, Mesa, AZ 85212 | Yes | 5 of 5 |
Source: CMS Hospital General Information (Provider Data Catalog), retrieved 2026-10-13.
PPOs let you see out-of-network providers, usually at a higher cost. Regional PPOs cover a multi-state region. From the Pinal County list, CMS contract year 2027.
| Plan | Type | 2026 stars | Monthly premium | Out-of-pocket limit | Part D deductible | Plan ID |
|---|---|---|---|---|---|---|
| Aetna Medicare Eagle (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $5,500 | No drug coverage | H5521_329 |
| Aetna Medicare Signature (PPO)Aetna Medicare | PPO | 4.5★ | $0 | $7,150 | $700 | H5521_554 |
| 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 |
| Humana Essentials Plus Giveback (PPO)Humana | PPO | 3.5★ | $0 | $7,850 | $450 | H5216_435 |
| Humana USAA Honor Giveback (PPO)Humana | PPO | 3.5★ | $0 | $5,150 | No drug coverage | H5216_436 |
| HumanaChoice Giveback H5216-371 (PPO)Humana | PPO | 3.5★ | $0 | $6,100 | $700 | H5216_371 |
| HumanaChoice H5216-034 (PPO)Humana | PPO | 3.5★ | $127 | $7,900 | $700 | H5216_034 |
| HumanaChoice H5216-224 (PPO)Humana | PPO | 3.5★ | $16.80 | $4,150 | $500 | H5216_224 |
| HumanaChoice H5216-265 (PPO)Humana | PPO | 3.5★ | $0 | $5,220 | $700 | H5216_265 |
| DEVOTED CHOICE 001 AZ (PPO)Devoted Health | PPO | 3.0★ | $0 | $5,900 | $650 | H6586_001 |
| DEVOTED CHOICE MA ONLY 005 AZ (PPO)Devoted Health | PPO | 3.0★ | $0 | $7,000 | No drug coverage | H6586_005 |
| HealthSpring True Choice (PPO)HealthSpring | PPO | 3.0★ | $0 | $5,500 | $600 | H7849_065 |
| HumanaChoice R7220-001 (Regional PPO)Humana | Regional PPO | 2.5★ | $0 | $6,000 | No drug coverage | R7220_001 |
| HumanaChoice R7220-002 (Regional PPO)Humana | Regional PPO | 2.5★ | $110 | $7,150 | $700 | R7220_002 |
| Humana Value Choice (PPO)Humana | PPO | Not rated | $0 | $5,220 | $700 | H7617_124 |
Source: CMS Medicare Advantage and Part D Landscape, contract year 2027, retrieved 2026-10-13.
PPO plans let you see doctors outside the network, usually at a higher cost, and most do not need a referral to see a specialist. Each one still has its own network: check that your doctors and the hospital you would use are in it for 2027.
See every Pinal 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.
Medicare Advantage plans are approved by county, so Gold Canyon residents see the Pinal County list. Figures from the CMS Landscape file for contract year 2027; Special Needs Plans are counted separately.
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 | 25 | 24 | $0.80 | $4,458 | 1 |
| PPO | 14 | 14 | $0 | $6,046 | 3 |
| HMO-POS | 6 | 6 | $0 | $4,133 | 1 |
| Regional PPO | 2 | 1 | $39.45 | $6,575 | 1 |
Source: CMS Medicare Advantage and Part D Landscape, contract year 2027, retrieved 2026-10-13.
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 47 Pinal County plans. New plans and some small contracts are not rated.
No plan on the Pinal 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.
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 | 62 | 65 |
| $0 medical premium plans | 41 | 50 |
| Average in-network out-of-pocket limit | $5,426 | $5,669 |
| Average Part D deductible | $433.55 | $530.28 |
| Maximum Part D deductible allowed by CMS | $615 | $700 |
| Part D out-of-pocket cap | $2,100 | $2,400 |
Source: CMS Landscape 2026 and 2027; Part D limits from the CMS CY2027 Rate Announcement, Attachment V.
This count differs from the headline above, which covers every non-SNP plan with or without drug coverage. No carrier leaves Pinal County for 2027, and no carrier enters that was not already there; the changes are plan by plan.
7 plans on the 2026 Pinal County list end with no successor plan in the county, including Wellcare Giveback (HMO), Wellcare Simple Value (HMO), UHC Nursing Home Plan AZ-F001 (PPO I-SNP). The full list is on the Pinal 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. Viola confirms your exact dates and the plans you can move to; call (480) 300-5776.
You must have Medicare Part A and Part B to join a Medicare Advantage plan, and live in the plan's service area, here Pinal 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.
Viola handles the enrollment with you, in person, by phone or by video; call (480) 300-5776. 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 |
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.
Gold Canyon uses the Pinal County plan list. It has 47 Medicare Advantage plans for 2027 (Special Needs Plans not included) from 10 organizations, and 35 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.
13 of the 47 Medicare Advantage plans on the Pinal County list for 2027 carry a 2026 CMS star rating of 4 or higher, and the average across rated plans is 3.72 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.
The Pinal County list. Gold Canyon is an unincorporated community that the Census Bureau counts as a census-designated place, and its ZIP code, 85118, is in Pinal County, so every Medicare Advantage plan CMS lists for Pinal County in 2027 is available to Gold Canyon addresses. The HealthCare.gov county lookup places 85118 in Pinal County only. Neighboring Apache Junction ZIP codes 85119 and 85120 cross into Maricopa County, so if your mailing address uses one of those, the county on your address decides your plan list, and Viola confirms it before comparing plans.
There is no hospital inside Gold Canyon. The nearest one in the CMS hospital file is Banner Goldfield Medical Center in Apache Junction, and the larger East Valley hospitals listed on this page are in Mesa. Before you choose a plan, check that the hospital you would actually use is in its network for 2027.
Yes. Viola walks Gold Canyon clients through both paths: a Medicare Supplement with a stand-alone Part D plan, or a Medicare Advantage plan from the Pinal County list. She starts with your doctors, your prescriptions and how often you travel, then shows you what each path would cost in 2027. Meet by phone, by video or at the Chandler, AZ office, 2160 North Alma School Road, Suite 102; call (480) 300-5776 to set a time.
In Pinal County, plans with drug coverage (Special Needs Plans included) go from 62 in 2026 to 65 in 2027. The CMS crosswalk shows 7 plans ending or leaving the county with no successor there, 2 plans folding into another plan, and 11 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.
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.
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.
Census figures (ACS 2020 to 2024 5-year estimates) show 6.7% of Gold Canyon 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.
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.
All areas we serve · Arizona Medicare guide, all 15 counties
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2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776
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