Medicare supplement plans - Arizona

Health insurance is different in retirement. Everence® helps you get a handle on your new options and find insurance that fits your personal situation. Plus, as a Christian organization, we help you live your values in these important decisions.

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Why a supplement plan?

Medicare doesn’t cover 100 percent of health costs in retirement. You are responsible for deductibles, coinsurance, copayments and some services.

You can lower your financial risk, however. A Medicare supplement plan covers most balances on medical bills that Medicare doesn’t pay for, depending on the plan you choose. So you get added protection from unexpected bills.

Learn more about Medicare and how it works.

Key benefits of a supplement plan

Hospital patient talking with physician

Choose your providers

You can keep your current doctors. You are free to choose medical providers anywhere Medicare is accepted nationwide. No referrals are needed.
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Cut claims paperwork

Your medical claims, eligible under Medicare, are automatically processed for you, reducing your paperwork.
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Keep it simple

Your plan benefits and coverage remain consistent year to year.

Plan options

We offer Medicare supplement plans A, F*, G and N

How do you decide which plan is right for you? Download this benefits comparison chart to see which types of medical bills are paid by Medicare and how various Medicare supplement plans split the rest of the bill with you.

* Effective January 1, 2020: Only applicants first eligible for Medicare before 2020 may purchase Plan F.

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Compare the cost of our policies

Please provide your information and the date you would like your coverage to begin.

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  4. Please enter a valid month and year, in the future, when your coverage should begin.

Get answers to your Medicare questions.

We can help you evaluate your situation to determine if a Medicare supplement plan is right for you. Contact an Everence office or speak with a representative at our national call center.

To speak to a representative now, call 888-236-0906

Monday - Friday: 8:00 a.m. to 5:00 p.m. ET

Your plan options

*Effective January 1, 2020: Only applicants first eligible for Medicare before 2020 may purchase Plan F.
*Effective January 1, 2020: Only applicants first eligible for Medicare before 2020 may purchase Plans C or F.

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Your plan options

The rates shown are monthly rates and are effective to April 1 of each year. Rate changes for the next year will be posted as they become available, usually in late February.

This premium calculation is for illustration purposes only. Your actual costs may vary.

Rates may be higher for tobacco users.

Plan limitations and your rights

Medicare supplement plans from Everence do have some limitations of coverage. And, if you enroll, you will have certain rights as a covered person.

Benefits not covered

 Unless specifically stated in your plan, Everence Medicare supplement plans do not cover or consider for payment any service or supply, or any portion of a service or supply, that is not a Medicare-eligible expense, nor will it duplicate any benefit paid by Medicare. These are some of the policy exclusions:
1. Any expense a covered person incurs which Medicare does not consider to be a covered charge or approved charge unless such benefits are expressly provided for by this policy;
2. Services performed by you, a member of your immediate family, or a person who usually resides in your home for which no charge is normally made in the absence of  insurance;
3. Custodial care;
4. Any loss covered by worker’s compensation or employer’s liability laws;
5. Home health care to the extent not covered by Medicare;
6. Expense incurred while this policy is not in force, except as provided in the Part titled Coverage Provisions and the section Benefits After Certificate Terminates;
7. Hospital or skilled nursing facility confinement that begins while this policy is not in force;
8. That portion of any expense incurred which is paid for by Medicare; or
9. Loss or expense that is payable under any other Medicare supplement insurance policy or certificate.

Your coverage cannot be canceled

 As with any Medicare supplement plan offered in your state, we will not cancel or refuse to renew your health plan certificate for any reason other than failure to make premium payment or because of fraudulent misrepresentation by the applicant, unless authorized by the insurance commissioner.

One supplement plan is enough

If you are already enrolled in another Medicare plan other than original Medicare (such as another Medicare supplement plan or Medicare Advantage plan), you do not need two plans. If you wish to cancel a previously issued health policy, only you can do so. Talk to your licensed agent about how to cancel the other coverage.

Why buy from Everence

Faith values

As a Christian organization, Everence is dedicated to helping you live your values through your financial decisions. Learn more about the heritage of Everence.

Trusted professional advice

Work with a representative who can guide you now — and during the rest of retirement. Over 95 percent of customers rate our financial professionals as trustworthy, according to November 2015 survey results.*

High customer satisfaction

90 percent of our clients report in a 2015 survey they are “highly satisfied” with the service they receive.*

Decades of experience

Everence was founded in 1945, began offering health insurance in 1965 and has offered Medicare supplement plans since the mid-1980s.

Financially stable

We are a diversified financial services organization that has a strong balance sheet that supports your financial stability. See our Annual Report.

Personal and community benefits

As an Everence Association member, you will receive extra benefits and help others in many communities. Learn more about these benefits.
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Stay healthy: wellness benefit

Our Everence Association wellness benefit is a special one offered only when you buy a Medicare supplement policy. We reimburse you for selected wellness expenses, such as gym memberships and exercise classes. Nurture your well-being during your encore years!



Representatives are all licensed insurance agents of Everence. Insurance products are offered by Everence, the marketing name of Everence Association Inc., a fraternal benefit society, 1110 N. Main St., PO Box 483, Goshen, IN 46527. Medicare supplement insurance plans offered by Everence Association Inc., a fraternal benefit society, are not available in all states, and are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance and an insurance agent or insurance company may contact you in an attempt to sell you insurance. In Arizona, Plan A is 2125114, Plan F is 2125115, Plan G is 2125116, Plan N is 2125117. An outline of coverage is available upon request.

*The 2015 Member Satisfaction Survey and the Customer Interaction Satisfaction Survey, Bellomy Research, are available upon request.