Medicare Advantage at Banner Health.
Which Medicare Advantage plans work with Banner, how Medigap and Original Medicare access compares, and our advisor's tips on choosing a plan that keeps your Banner providers in-network.
About Banner Health
Founded in 1999 and headquartered in Phoenix, Arizona, Banner operates across Arizona, California, Colorado, Nebraska, Nevada, Wyoming. Largest health system in Arizona with 33 hospitals, with national strength in cardiology, oncology, neuroscience, orthopedics, and women's health.
Medicare Advantage carriers that contract with Banner
Banner-Aetna Medicare Advantage (Banner's co-branded plan), Humana, UnitedHealthcare/AARP, BCBS Arizona, Cigna.
Banner-Aetna is a co-branded Medicare Advantage plan tied directly to Banner Health hospitals — typically the deepest Banner network. Most major Arizona MA plans also contract with Banner.
Original Medicare with Medigap = full Banner access
If keeping Banner in-network is non-negotiable, the simplest path is Original Medicare (Parts A and B) plus a Medigap plan plus a standalone Part D plan. Medigap plans don't have networks — they pay out-of-pocket costs at any provider that accepts Medicare.
Banner accepts Medicare. So: Original Medicare + Medigap means you can see any Banner doctor, in any Banner hospital, with no referrals or pre-authorizations.
The trade-off: Medigap costs $100-$250/month (versus often $0 for Medicare Advantage), and standalone Part D adds $15-$70/month. But you get total provider freedom and predictable out-of-pocket costs.
How to verify your Banner doctor is in your Medicare Advantage plan
- Call the plan member services line with your doctor's full name and NPI number. Ask: "Is Dr. [Name], NPI [#####], in-network for [plan name] for 2027?"
- Check the plan's online provider directory. Search by full name. Verify the address matches your Banner location.
- Call your Banner doctor's office. Ask the receptionist which Medicare Advantage plans they accept. Verify both that the practice is in-network and that the specific physician is in-network — they're sometimes different.
- If you have specialists, repeat for each one. Network status varies physician-by-physician within the same hospital system.
Free 14-minute Medicare review.
A licensed advisor reviews your specific Banner providers, your prescriptions, and finds the Medicare Advantage or Medigap option that keeps your care in-network. Free, no obligation.
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