Initial Enrollment Period
Seven months around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
Ocotillo, Chandler, Maricopa County, Arizona
Ocotillo, Chandler AZ Medicare Plans for 2027
Ocotillo is a master-planned neighborhood in south Chandler, the same city as the Rise Up Benefits Group office. It uses the Maricopa County plan list, and its own ZIP-level health data looks different from Chandler as a whole.
- 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.
Ocotillo Medicare at a glance for 2027
- 52 Medicare Advantage plans for Ocotillo 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
Ocotillo at a glance
Ocotillo is part of the City of Chandler, not a separate Census place, so this page is clear about its data. Every figure here is for its two ZIP codes, 85248 and 85249, which also cover Sun Lakes and other south Chandler neighborhoods. The Census Bureau counts about 85,800 people in them, 27.2% aged 65 or older: 39.7% in 85248 and 17.6% in 85249. Health figures are the CDC PLACES estimates for the same ZIP codes, weighted by adult population.
Across those two ZIP codes, CDC estimates that 28.7% of adults have arthritis and 34.7% have high blood pressure, above the Arizona county averages of 25.2% and 32.8%. That fits an older population, because ZIP code 85248 also takes in the Sun Lakes retirement community. Only 3.3% of residents have no health insurance, against 10.5% for Arizona. For Medicare, Ocotillo residents choose from the Maricopa County plan list. PPO plans, which let you see doctors outside the network at a higher cost, are spotlighted below.
How Viola helps here. Ocotillo is in Chandler, so the Rise Up Benefits Group office on North Alma School Road is close to home. Meet Viola there, or by phone or video, and she reviews your plan with you every year.
| Measure | Ocotillo ZIP codes 85248 and 85249 | Maricopa County | Arizona |
|---|---|---|---|
| Population | 85,841 | 4,559,748 | 7,378,838 |
| Residents aged 65 and over | 23,314 | 742,814 | 1,397,551 |
| Share aged 65 and over | 27.2% | 16.3% | 18.9% |
| Median age | 57.5 (85248), 44.0 (85249) | 37.6 | Not computed |
| Median household income | $94,495 (85248), $153,633 (85249) | $89,300 | Not computed |
| Share with no health insurance (all ages) | 3.3% | 10.6% | 10.5% |
Source: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, detailed tables and table S2701 for Ocotillo ZIP codes 85248 and 85249; 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.
Health profile
What is common in Ocotillo ZIP codes 85248 and 85249
Plan choice follows the conditions you actually live with, because they decide which specialists and drugs you need covered.
| Measure | Ahwatukee ZIPs | Maricopa County | Arizona county average |
|---|---|---|---|
| Diagnosed diabetes | 10.8% | 10.6% | 11.3% |
| High blood pressure | 34.7% | 30.8% | 32.8% |
| Obesity | 26.0% | 30.4% | 31.3% |
| Coronary heart disease | 6.8% | 5.7% | 6.4% |
| COPD | 5.8% | 5.7% | 6.6% |
| Adults 18 to 64 without health insurance | 6.3% | 12.9% | 13.2% |
| Arthritis | 28.7% | 23.5% | 25.2% |
| High cholesterol | 41.3% | 36.5% | 37.3% |
| Stroke | 3.4% | 3.0% | 3.4% |
Source: CDC PLACES, 2023 model-based estimates; Arizona figure from the county file.
CDC PLACES: Local Data for Better Health, ZCTA 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. The Ahwatukee figure is the adult-population-weighted average of the three ZIP code tabulation areas. Arizona figure: average of the 15 Arizona counties, weighted by adult population.
Why this matters for plan choice
Ocotillo ZIP codes 85248 and 85249 runs above the Arizona average on high cholesterol, high blood pressure, and coronary heart disease. 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 Ocotillo
PPO plans
PPOs let you see out-of-network providers, usually at a higher cost. Regional PPOs cover a multi-state region. From the Maricopa 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.
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.
By the numbers
2027 Medicare Advantage in Maricopa County
Medicare Advantage plans are approved by county, so Ocotillo 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.
Hospitals
Hospitals near Ocotillo
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 |
Source: CMS Hospital General Information (Provider Data Catalog), retrieved 2026-10-13.
The other path
Medigap in Ocotillo
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.
What changes for 2027
Maricopa County plans: 2026 to 2027
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 medical 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 |
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 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. Viola confirms your exact dates and the plans you can move to; call (480) 300-5776.
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.
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.
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.
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.
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
Ocotillo Medicare questions
How many Medicare Advantage plans are available in Ocotillo for 2027?
Ocotillo 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 Ocotillo 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.
Is Ocotillo its own city?
No. Ocotillo is a neighborhood within the City of Chandler, in Maricopa County. For Medicare, residents choose from the Maricopa County plan list, the same list as the rest of Chandler.
Which ZIP code is Ocotillo in?
Ocotillo addresses use ZIP codes 85248 and 85249. Both are in Maricopa County, so the plan list on this page applies to either one. When you call, have your full address ready, because Medicare plans are filed by county and Viola confirms your plans by address.
Can I meet Viola in person if I live in Ocotillo?
Yes. Ocotillo is in Chandler, and the Rise Up Benefits Group office at 2160 North Alma School Road, Suite 102 is close by. The office is open Monday to Friday, 9 AM to 5 PM, and appointments are recommended, so call (480) 300-5776 first. If you would rather stay home, Viola meets by phone or video too. Either way, you leave knowing what your plan covers and how to use it.
What changes for Medicare plans in Ocotillo 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 Ocotillo 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 Ocotillo?
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 Ocotillo?
Census figures (ACS 2020 to 2024 5-year estimates) show 3.3% of residents of Ocotillo ZIP codes 85248 and 85249 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, ZCTA 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/qnzd-25i4.json.
- Demographics: U.S. Census Bureau ACS 2020 to 2024 5-year estimates, Ocotillo ZIP codes 85248 and 85249, 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.
Areas we serve
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All areas we serve · Arizona Medicare guide, all 15 counties
Let's talk about your coverage in Ocotillo
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