Best Medicare Advantage Providers (2024)

Medicare Advantage plans are offered by private health insurance companies and provide coverage for some things that aren’t covered by Original Medicare, including vision and dental services. There are multiple types of Medicare Advantage plans, and the coverage offered by each company will differ.

There are a lot of companies that offer Medicare Advantage plans, and it can be hard to find the right company and plan for your needs. Below, we’ll outline what Medicare Advantage is and go over some of the best companies that offer these plans.

Keep reading to learn more about the best Medicare Advantage plans.

Medicare Advantage Explained

Private insurance companies offer Medicare Advantage plans to those who are eligible. In terms of coverage, it is a combination of hospital care, doctor’s visits, and prescription drugs.

This list of Medicare Advantage plans features four common types:

• Preferred Provider Organization Plans (PPO)
• Special Needs Plans (SNPs)
• Health Maintenance Organization Plans (HMO)
• Pirate Fee-for-Services Plans (PFFS) 

What are the best-rated Medicare Advantage plans? Many people opt for a Medicare Advantage plan because they can save money on dental, hearing, and vision services, as the original Medicare Plan does not cover them. 

Additionally, some Medicare Advantage plans have no monthly cost, which makes this the best Medicare plan for many individuals. 

You can enroll or switch to a Medicare Advantage plan during their open enrollment dates between October 15 and December 7 each year. There are specific plans that cater to those who need health insurance plans for pre-existing conditions. Read our expert review on preexisting condition health insurance. 

If you enroll in a Medicare Advantage program, you will need to visit an approved provider to receive coverage for care. The current list of Medicare Advantage organizations includes:

• Blue Cross Blue Shield
• Cigna
• United Healthcare
• Aetna
• WellCare
• AARP 
• Humana
• Kaiser Permanente
• Anthem

There are some drawbacks to opting for affordable Medicare Advantage programs. If you need care, you will be restricted to providers within the network. 

Due to annual plan pricing and limited enrollment, this may limit your ability to return to the original Medicare plan if you cannot find a doctor that accepts Medicare Advantage. 

Even the best Medicare plan is based on where you reside, and there may be differences between zip codes and relative areas. For this reason, your coverage may be restricted to your location, which can complicate things if you are out of town or traveling.

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The Best Medicare Advantage Insurance Companies

Which company has the best Medicare Advantage plan? Choosing the best comprehensive healthcare provider can be difficult, but there are many viable options on the market, like Medicare Advantage plans. Here’s a roundup of the best Medicare Advantage providers based on their availability in each state, value, and rating on the official Medicare website. 

Best Overall: Humana

Humana insurance has an average Medicare score of 4.3 out of 5 stars and is available in all 50 states, including Washington, D.C. and Puerto Rico. They have premiums as low as zero dollars a month and have limits on the out-of-pocket costs for subscribers. 

Best for Availability: Blue Cross Blue Shield

Blue Cross Blue Shield insurance has an impressive network, spanning nearly 1.7 million doctors and hospitals within the United States. They have a quality rating of 3.8 and are available in 44 states. 

People’s Choice: AARP

AARP insurance is the most popular Medicare Advantage provider, with an average enrollment of 28% of those using Medicare. AARP also partners with United Healthcare to provide additional coverage to new members. 

They are available in 49 states and Washington D.C. and offer some plans at no monthly charge. Their Medicare rating is 4.5. 

Best for Overall Satisfaction: Kaiser Permanente

Kaiser Permanente insurance has an outstanding Medicare rating of 4.81, showing the high satisfaction its members get from it. This Medicare insurance company has an integrated network available to its subscribers, allowing people to get all their care needs in one place. 

Limited stateside availability makes this a difficult choice for some, but for those in the eight states it covers (Colorado, California, Hawaii, Georgia, Maryland, Oregon, Virginia, Washington, and Washington, D.C.), it’s an attractive option. 

The most important factor in choosing your Medicare insurance company is evaluating what you need most from your plan. That’s why there’s no one best Medicare Advantage plan or company. Instead, there is one that’s most likely to meet your unique needs. 

Finding the Best Doctors That Accept Medicare Advantage Plans

With many location-specific options, finding the best doctors that accept Medicare Advantage plans is imperative to your satisfaction with your health insurance coverage. 

If you are considering moving, you are unlikely to be able to keep your health insurance when moving to a different state, so it’s best to know what’s available in your area. See how to keep your health insurance when moving to another state for more details. 

The best doctors that accept Medicare Advantage plans will be in close proximity to you and will have lower out-of-pocket costs for care visits. 

Affordable Medicare Advantage plans can be negated by high out-of-pocket costs, and this is a risk to be aware of with private insurance. 

You should be prepared to shop around for various Medicare companies to determine who the best provider will be for you. 

You can find doctors, hospitals, and providers within your Medicare Advantage network by visiting the official Medicare website. Any approved doctor within the network is a viable option. 

However, finding the best doctors that accept Medicare Advantage plans will depend on your unique healthcare needs. 

Which Medicare Advantage Plan Is Right for You? 

Choosing the best Medicare Advantage plan for you will depend on a variety of factors.

While you’re shopping, keep these factors in mind to find a plan that’s right for you:

• Budget: Certain plans may help you to better accommodate additional costs, which can offset annual premiums.
• Available plans: Location is the biggest factor in determining availability for Medicare Advantage plans. It is important to balance availability so that you can find the best doctors that accept Medicare Advantage plans within your area. 
• Pre-existing conditions: To accommodate eligible citizens with pre-existing conditions, Medicare companies offer special needs plans.  
• Proximity: You may want to consider how your area affects how much use you’ll be able to get out of your Medicare plan.  

For example, you may be in proximity to a primary care provider that you need but be out of network with a specific chiropractor or other special care doctors. This coverage limitation can affect the overall costs of your Medicare Advantage plan.

Evaluate What You Need to Find the Best Medicare Advantage Plan

Evaluating your priorities is the best way to determine what will be the top Medicare Advantage plan for you. From there, you can focus on the best doctors that accept Medicare Advantage plans in your area to ensure your healthcare needs are satisfied. 

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Absorbing the Ins and Outs of the Claims Procedure at Best Medicare Advantage Providers

Ease of Filing a Claim

Filing a claim with Medicare Advantage providers can be done conveniently through various channels such as online, over the phone, or using mobile apps. This flexibility in the claims filing process ensures that beneficiaries can choose the method that suits them best.

Average Claim Processing Time

The efficiency of claim processing is a critical aspect of Medicare Advantage plans. Beneficiaries often seek timely reimbursements for medical expenses. Understanding the average claim processing time can help individuals plan their finances accordingly and avoid unnecessary delays.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable in assessing the performance of Medicare Advantage providers. It provides insights into how well claims are resolved and whether beneficiaries are satisfied with the payouts they receive. Examining customer experiences can help individuals make informed decisions when selecting a plan.

Leading the Pack: Best Medicare Advantage Providers Digital and Technological Innovations

Mobile App Features and Functionality

Medicare Advantage providers offer mobile apps with various features to enhance user experience. These apps may include functionalities such as claim tracking, access to digital ID cards, appointment scheduling, and prescription management. Exploring the capabilities of these mobile apps can significantly simplify managing healthcare needs.

Online Account Management Capabilities

Online account management is crucial for beneficiaries who prefer to handle their Medicare Advantage plans digitally. It enables users to review plan details, update personal information, view claims history, and make premium payments conveniently. Understanding the online account management features offered by providers is essential for efficient plan management.

Digital Tools and Resources

Medicare Advantage plans often provide a range of digital tools and resources to educate and support beneficiaries. These resources may include wellness programs, telemedicine services, health tracking apps, and access to health-related content. Assessing the availability and effectiveness of these digital tools can help individuals maximize the benefits of their plan.

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