Best Medicare Advantage Plans 2025
Medicare Advantage plans, also known as Medicare Part C, replace your Original Medicare coverage and can provide extra coverage. We break down the best Medicare Advantage plans in 2025 from top insurance companies.
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It's difficult to determine which Medicare Advantage plan (also called a Medicare Part C or Medicare health plan) is the best plan.
It all depends on how you define “best,” and it's misleading to claim that one insurance plan provider or plan is the best. Every person has unique needs, and Medicare Advantage plan availability is limited based on ZIP code.
Some beneficiaries may choose a plan based on plan quality or customer satisfaction with the insurance company who provides the plan. Others may choose based on plan price or provider network restrictions.
You can use the Medicare plan finder or explore on your own to learn more about Medicare Advantage plans in your state or county.
Here are some of the most popular insurance companies that offer Medicare Advantage plans. The insurance companies below are listed in no particular order.
Quality is important in a Medicare Advantage plan. Every year, Medicare evaluates plans based on a 5-star rating system. The Centers for Medicare & Medicaid Services (CMS) rates all Medicare Advantage plans and plan carriers on the 5-point scale using various quality criteria.
For 2025, all Kaiser Permanente Medicare health plans are rated at least 4 out of 5 stars overall.
Kaiser has a small network that includes only a few states and Washington D.C.
Some Cigna Healthcare Medicare Advantage plans may include additional benefits Original Medicare doesn't cover, such as things like:
- The Healthy Today Medicare flex card
- Caregiver support programs
Plan availability and benefits can vary by location, so plans that include any of the above benefits may not be available where you live.
When you compare plans, try to find the full coverage details, benefits, costs, coverage and more for plans where you live.
Medicare Advantage plans can offer some additional benefits that Original Medicare (Medicare Parts A and B) doesn't cover. These benefits can includes things like coverage for dental, vision and hearing care or prescription drugs.
Some Aetna Medicare Advantage plans may include things like membership to the SilverSneakers fitness program or home delivery of prescription drugs. These benefits aren't available with all plans, however, and may come with costs like deductibles or copays, depending on your plan.
Members of an Aetna Medicare Advantage plan can log into their online Aetna plan account to do things like pay premiums, submit claims or review your current plan coverage details.
UnitedHealthcare offers several different types of Medicare Advantage plans in partnership with AARP. This can include plan types like Medicare HMOs, Medicare PPOs and Special Needs Plans (SNPs). HMOs are the most popular type of Medicare Advantage plan, and each type of plan may not be available in all areas.
An AARP membership is required to enroll in a United Healthcare/AARP Medicare Advantage plan.
Humana makes it very easy to find in-network doctors and other providers such as Humana Medicare dentists in your area using a number of helpful search filters and doctor lookup tools.
Humana also gets strong customer service reviews. In fact, Humana Specialty Pharmacy has won the MMIT Patient Choice Award in six of the last seven years.
$0 premium plans and prescription drug coverage from Humana may not be as readily available in some areas as they are in others.
In 2024, 16% of all Medicare Advantage plan beneficiaries were members of a plan from a BlueCross and BlueShield or Anthem affiliate company.
You can use the Anthem Blue Cross Blue Shield provider directory to search for doctors and medical facilities near you that are part of a Anthem Blue Cross Blue Shield plan network.
The CMS uses a 5-star scale to rate all Medicare Advantage plans every year, so any plan with a 5-star rating is considered the best, and plans with 4 stars or higher out of 5 are considered highly-rated Medicare plans.
The CMS uses a number of unique measures to score Medicare Advantage plans that do or do not include prescription drug coverage.
According to the CMS, there are 11 Medicare Advantage plan contracts with a perfect 5-star rating available in 2025.
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