Medicare Advantage Plans 2025

If you’re looking to learn about and compare Medicare Advantage plans in your area, our website can help!

Medicare Advantage plans are an alternative way to get Original Medicare coverage and must offer at least the same coverage as Original Medicare Part A and Medicare Part B. The good news is, that many plans may offer additional benefits!

Choosing the right plan for you can be confusing, but we’re here to help!

The basic benefits provided:

  • Medicare Part A – Hospital Coverage
  • Medicare Part B – Medical Services

 

On this site, you’ll learn exactly how to compare Medicare Advantage plans as well as insurance companies to compare options.  

Finding the right plan for you and even enrolling has never been easier!

How to Compare Medicare Advantage Plans

To compare Medicare Advantage plans you’ll need to know:

 

  • Do you have both Medicare Part A and Medicare B in place?
  • Do you reside in the same area that the Medicare Advantage plan network provides coverage?
  • Does the plan provide the benefits you’ll need?
  • Does your doctor accept the plan?

 

Humana Medicare Advantage Plans 2024

Medicare Advantage Plan Enrollment

 

If you are new to Medicare, the best time to enroll in a Medicare Advantage plan is between the time period three months prior to turning age 65, your birthday month, and three months after your 65th birth month. This is what is called your “Initial enrollment period”. 

Your coverage will begin on the first of the month after the date that you sign up during your INITIAL ENROLLMENT PERIOD. 

 

Already enrolled in Medicare?

If you are already enrolled in Medicare and want to enroll in a Medicare Advantage plan (also called Medicare Part C), then you can switch and enroll in one during the Medicare Annual Enrollment period. This period runs between October 15th and December 7th of every year.

Your coverage will then begin on January 1st of the following year.

Compare plans side by side
and enroll online

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compare medicare advantage plans

Medicare Advantage Plans for 2024

Medicare Advantage plans for 2024 may have changed slightly from previous years, so it’s always a good idea to compare plans and benefits in your area each year. Plans may differ greatly depending on the insurance company and your area.

Medicare Advantage Plan Networks

Medicare Advantage plans use networks with their coverage. The coverage rules vary by the type of Medicare Advantage plan you’re enrolled in.

Medicare Advantage plans must provide coverage that at least matches what Medicare Part A and Medicare B cover. Many plans may include additional benefits though, and this will likely continue into 2025.

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Medicare Advantage Plan Types

There are different types of Medicare Advantage plans.

These are the most common plans offered by several different insurance companies.

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

 

We can help you find the right plan to fit your needs, so if this already seems overwhelming don’t worry!

4 types of Advantage plans
humana medicare advantage HMO plans

Health Maintenance Organizations (HMOs)

HMO plans usually involve getting your services from a primary care physician and hospital within the plans’ network. 

This applies unless you are needing emergency care or urgent care outside of the plan’s network. Many HMO’s include prescription drug coverage built into the plan. If you enroll in an HMO without prescription drug coverage in it, you cannot enroll in a separate Medicare Part D prescription drug plan. 

 

Humana Medicare advantage PPO plans for 2025

Preferred Provider Organization (PPO)

PPO plans also use a network, however, you have the ability to see providers outside the network but it may be at a higher cost. 

Prescription drugs are covered in most PPO plans, and it’s important to see the cost of your own personal medications in the plans you’re considering, as well as to check if your doctors do in fact accept the plan. You do not need to choose a primary care doctor with a PPO plan.

Medical costs are typically lower with a PPO plan if you use providers within the network.

Humana Private fee for service 2025 plans

Private Fee-for-Service Plans (PFFS)

PFFS plans are different than HMOs or PPOs, in which the plan decides how much it will pay doctors and providers. The doctors must agree to the terms and services of the plans.

If you visit a doctor, hospital, or provider that does not belong to the plan’s network you may end up paying much higher costs. Prescription drugs may be included in the PFFS plan, but if they’re not you can enroll in a separate Medicare Part D prescription drug plan for coverage. 

With a PFFS plan, you may visit any Medicare-approved doctor or health care provider, or hospital that approves the plan’s payment terms and agrees to see you, that has not opted out of Medicare. You may see a provider outside of the network but you may have to pay more.

humana SNP plans

Special Needs Plans (SNPs)

Special Needs Plans are tailored to people with specific diseases or situations. You must qualify to enroll in one of these plans. 

You may qualify for one of these plans for conditions such as:

  • Alcohol dependence
  • Various autoimmune disorders
  • End-stage renal disease (ESRD) requiring dialysis
  • HIV/Aids
  • Many more. Call us for more information on these plans and to see if you qualify

Medicare Advantage Plans - How to Get Started Now

The Medicare Annual Enrollment Period (AEP) begins each October 15th and runs through December 7th. 

During this time frame, you may enroll in a Medicare Advantage plan in 2025 or change to a different plan. 

Your new plan will then go into effect on January 1st.

 

 

Medicare

 

 

New to Medicare?

If you are new to Medicare, then you can enroll in a Medicare Advantage plan up to three months prior to your Medicare Part B effective date.

Call us today to get help from one of our licensed insurance agents to see what the best time frame is for you to enroll, based on your current situation. 

 

 

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Medicare Advantage Plans by State

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

Washington DC

West Virginia

Wisconsin

Wyoming

Medicare Advantage Plan Popular Companies

Aetna

Alignment

Anthem

Banner

BCBS

Blue Cross Blue Shield

Cambia

CarePlus

Centene

Cigna

Clover

Elevance

Emblem

Excellus

Florida Blue

Geisinger Gold

HealthPartners

HealthSpring

Highmark

HMSA

Humana

IBX

Independent Health

Kaiser Permanente

Martins Point

Medica

Molina

MVP

Network Health

PacificSource

Point32Health

Premera

Presbyterian

Priority Health

Providence

Quartz

Regence

SelectHealth

Sharp

Tufts

UCLA

UnitedHealthCare

UPMC

 ZRN Health & Financial Services, LLC, a Texas limited liability company

Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.