Medicare Advantage Plans List 2025

Navigating the world of healthcare can feel overwhelming, especially when it comes to selecting the right Medicare plan. Medicare Advantage plans have become increasingly popular in recent years, offering a comprehensive alternative to Original Medicare with additional benefits and coverage options.

But with so many choices and factors to consider, how can you be sure you’re making the best decision for your healthcare needs?

In this article, we’ll explore the top Medicare Advantage plans list, discuss the various types of plans included in the Medicare Advantage plans list, and provide guidance on choosing the right plan for you from the Medicare Advantage plans list.


Key Takeaways


  • Understand the different types of plans available, how to choose the right one for you, and when to enroll.


  • Utilize in-network providers for reduced costs or take advantage of preventive care services and Medicaid benefits.

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Top Medicare Advantage Providers for 2025

Choosing the optimal Medicare Advantage plan is key to receiving the healthcare coverage that suits your needs. Based on a comprehensive evaluation by the Forbes Health editorial team, the top Medicare Advantage providers for 2025 include some of the best Medicare Advantage plans offered by:


  • UnitedHealthcare
  • Aetna
  • Blue Cross Blue Shield
  • Humana
  • Cigna


Top Medicare Advantage Providers for 2025

Each of these providers offers a variety of plans and benefits, ensuring that you can find the perfect fit for your unique healthcare needs.



UnitedHealthcare stands out as a leading Medicare Advantage provider, boasting the largest network of any company with over 1 million care providers. This extensive network ensures that members have access to a wide range of Medicare-covered services throughout the country.

UnitedHealthcare Medicare Advantage plans are available in 49 states and Washington, D.C., offering extensive coverage to millions of Americans.

With an average member experience rating of 3.12, UnitedHealthcare offers a variety of plan options, including Coordinated care plans, Health Maintenance Organization (HMO) plans, and Point of Service (POS) plans, catering to diverse needs and preferences.

UnitedHealthcare’s partnership with AARP adds to its appeal, providing insurance for the Medicare products that bear the AARP name. This collaboration ensures that UnitedHealthcare remains a top choice for seniors looking for reliable, high-quality Medicare Advantage coverage.



Aetna, established in 1819, offers a range of Medicare Advantage plans that include:


  • Medical and prescription drug coverage
  • Additional benefits tailored to meet your requirements
  • Cost assistance for dental, vision, and hearing care
  • In-home health visits
  • Meal delivery after a hospital stay
  • Travel benefits


With a focus on providing comprehensive coverage, Aetna’s Medicare Advantage plans offer a variety of benefits to meet your healthcare needs.

Aetna’s dental, vision, and hearing benefits are particularly attractive, including:


  • Routine exams
  • Fillings
  • Eyeglasses
  • Hearing aids
  • Annual hearing exams


The exact coverage varies according to the plan, ensuring that you can select the one best suited to your healthcare needs.


Blue Cross Blue Shield

Blue Cross Blue Shield (BCBS) is a collective of 33 distinct companies, each tailored to the geographical needs of its members. This unique structure allows BCBS to provide coverage that is specifically designed for the local population, ensuring that members receive the most relevant and cost-effective care possible.

However, it’s important to examine local BCBS providers, as member experience ratings may vary between companies. Regardless, BCBS remains a popular choice for many Medicare Advantage enrollees due to its geographically specific benefits and above-average member experience ratings.


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Humana is another top Medicare Advantage provider, known for its highly-rated plans, $0-premium options, and high member satisfaction rate.

With an average Medicare star rating of 4.34 out of 5 and a 96% satisfaction rate for plans rated 4 Stars or higher in 2023, Humana demonstrates a commitment to providing quality healthcare coverage to its enrollees.

Humana offers Medicare Advantage plans in all 50 states, Washington, D.C., and Puerto Rico, providing extensive coverage options to millions of Americans. With $0-premium plans in 49 states, Washington, D.C., and Puerto Rico, Humana makes it easy for individuals to access affordable, high-quality healthcare coverage.



Cigna is a top Medicare Advantage provider, offering a wide selection of plan options and supplementary benefits. With plans that include Medicare Advantage HMO and PPO plans, Part D Prescription Drug Plans (PDP), and Special Needs Plans (SNP) for individuals with specific health requirements, Cigna caters to a diverse range of healthcare needs.

Cigna’s Medicare Advantage plans include additional benefits, such as:


  • Dental, vision, and hearing coverage
  • Transportation and over-the-counter benefits
  • $0 copays for primary care visits
  • Fitness benefits


These added benefits make Cigna an attractive choice for individuals seeking comprehensive healthcare coverage through a Medicare Advantage plan.

Understanding Medicare Advantage Plans

Medicare Advantage plans provide an alternative to Original Medicare by offering bundled health insurance plans with additional benefits such as:


  • vision services
  • hearing services
  • dental services Most plans also include Part D coverage for prescription medications.


However, with so many options available, it’s essential to understand the different types of Medicare Advantage plans, how to choose the right plan for your needs, and when to enroll in a plan.


Types of Medicare Advantage Plans

There are several types of most Medicare Advantage plans available, including many Medicare Advantage plans such as:


  • Health Maintenance Organization (HMO) plans
  • Preferred Provider Organization (PPO) plans
  • Special Needs Plans (SNP)
  • Medical Savings Account (MSA) plans
  • Private Fee-for-Service (PFFS) plans


Each type of plan offers unique features and benefits, allowing you to select the best option for your healthcare needs.


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HMO plans require you to see in-network providers and select a primary care physician to coordinate your healthcare, while PPO plans offer more flexibility by allowing you to use both in-network and out-of-network providers.

SNPs cater to individuals with specific health conditions, and MSAs combine a high-deductible insurance plan with a medical savings account to cover healthcare expenses. Understanding the differences between these plan types is crucial in making an informed decision about your healthcare coverage.


How to Choose the Right Plan

Choosing the right Medicare Advantage plan for your needs requires careful consideration of several factors, including:


  • The type of benefits you require
  • Your geographic location
  • Coverage area
  • Monthly premium costs
  • Star ratings
  • Out-of-pocket costs
  • Medications
  • Preferred doctors and facilities
  • Plan type


By reviewing and evaluating these factors, you can make an informed decision about the best Medicare Advantage plan for you.

Utilize’s plan finder tool to identify suitable Medicare Advantage plan recommendations, or consult an independent, agnostic insurance agent. By carefully assessing your needs and preferences, you can confidently select the best Medicare Advantage plan for you.

Prescription Drug Coverage in Medicare Advantage Plans

Prescription drug coverage is a critical component of Medicare Advantage plans. Most plans include Medicare Part D coverage, which provides outpatient prescription drug benefits through private plans that contract with Medicare.


List of medicare advantage plans



Knowing the role of Part D in Medicare Advantage plans and comparing drug coverage options is key to selecting the optimal plan for your medication needs.


The Role of Part D

Part D plays a crucial role in Medicare Advantage plans by providing outpatient prescription drug coverage to enrollees. This voluntary benefit is offered through private plans that have a contract with Medicare, ensuring that you have access to the medications you need at an affordable cost.

Including Part D in your Medicare Advantage plan can offer additional benefits, such as cost assistance with dental and vision care, and help reduce your overall healthcare expenses.


Comparing Drug Coverage Options

To compare drug coverage options between different Medicare Advantage plans, follow these steps:


  1. Use the Medicare Plan Finder tool on
  2. Input your regular medications.
  3. Evaluate the benefits, costs, and coverage of various plans.
  4. Compare plans side-by-side.
  5. Make an informed decision about which plan offers the best drug coverage for your needs.


It’s also essential to research each plan’s coverage of medications, as not all plans cover the same drugs. Review the plan’s formulary, or the list of covered drugs, to ensure that your medications are included.

This will help you avoid any unexpected out-of-pocket costs and ensure that you have access to the medications you need.

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Enrollment Periods and Switching Plans

The process of enrolling in a Medicare Advantage plan or changing plans can be intricate. Understanding the various enrollment periods, including the Initial Enrollment Period and the Open Enrollment Period, is pivotal to not missing the chance to enroll in or change plans when necessary.


Initial Enrollment Period

The Initial Enrollment Period is your first opportunity to enroll in a Medicare Advantage plan after becoming eligible for Medicare.

This period begins three months before your 65th birthday, includes the month of your birthday, and ends three months after your birthday month.


What is the highest rated Medicare Advantage plan


It’s essential to take advantage of this period to enroll in a Medicare Advantage plan that best meets your healthcare needs.

To enroll in a Medicare Advantage Plan during the Initial Enrollment Period, follow these steps:


  1. Identify your Initial Enrollment Period
  2. Select a plan
  3. Acquire the necessary information (such as your Medicare number and the date your Parts A and B coverage began)
  4. Enroll online through the Social Security Administration’s website
  5. Monitor your application


By taking these steps, you can ensure a smooth enrollment process and secure the healthcare coverage you need.


Open Enrollment Period


The Open Enrollment Period is an annual event that takes place from January 1 to March 31 each year. During this time, individuals can:


  • Switch or enroll in Medicare Advantage plans
  • Review their coverage, including their drug formulary, to ensure their plan continues to meet their healthcare needs
  • Make changes and select a new plan if their current plan is no longer suitable


During the Open Enrollment Period, you can make one switch between Medicare Advantage plans or switch back to Original Medicare.


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You can also add or remove prescription drug coverage if needed. It’s essential to carefully consider your healthcare needs and preferences during this period to ensure that you have the best possible coverage for the upcoming year.

Costs and Out-of-Pocket Expenses

Comprehending the costs and out-of-pocket expenses tied to Medicare Advantage plans is key to managing your healthcare budget. Every health plan has a specific amount to be paid monthly in order to avail it.

Additionally, it has a maximum out-of-pocket cost which is the upper limit of expenses covered for health care services annually. Out-of-pocket costs can rapidly add up if you plan on looking for medical care outside of your regular network. Plans with zero premiums, even though they sound appealing, may come with high out-of-pocket maximums.

By being aware of these costs and planning accordingly, you can better manage your healthcare expenses.


Factors Affecting Costs

There are several factors that influence the cost of Medicare Advantage plans, including:


  • Payment methodology based on benchmarks
  • Risk adjustment based on health status and other characteristics of enrollees
  • Health status and healthcare use
  • Supplemental coverage and premiums for that coverage
  • Medicare Advantage plan benefits
  • Healthcare costs
  • Provider networks
  • Regional market dynamics
  • Premiums, deductibles, copayments, and coinsurance


These factors all play a role in determining the cost of Medicare Advantage plans.

One of the most significant factors is the location, as premiums tend to be more cost-effective in urban, densely populated areas, while rural regions may experience higher premiums due to factors such as limited healthcare facilities and providers.


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Another factor that affects the cost of Medicare Advantage plans is the provider network. Providers can influence the cost of plans through the negotiation of reimbursement rates and the size of the provider network.

By understanding the various factors that affect costs, you can make informed decisions about which Medicare Advantage plan is the best fit for your budget.


Managing Out-of-Pocket Expenses

Managing out-of-pocket expenses can be challenging, but there are several strategies you can employ to minimize these costs. One approach is to select a plan with a reduced out-of-pocket maximum limit, which can provide protection against exorbitant medical costs.

Additionally, some Medicare Advantage plans may provide lower-than-required caps on out-of-pocket expenses for doctor and hospital visits.

Preventive care is another essential aspect of managing out-of-pocket expenses. Medicare Advantage plans provide full coverage for preventive care services, such as screenings, vaccinations, and counseling, without requiring any out-of-pocket payments from the beneficiary.

By taking advantage of these services and focusing on early detection and treatment of health conditions, you can help reduce out-of-pocket costs and prevent more costly medical interventions in the future. In addition to Medicare Advantage, Medicaid services also play a crucial role in providing healthcare coverage for eligible individuals.

Navigating Networks and Providers

Navigating a plan’s network within Medicare Advantage plans can be intricate, but knowing how these networks work and how to locate preferred doctors and facilities is key to ensuring you get the healthcare coverage you need.

In this section, we’ll discuss the differences between in-network and out-of-network providers, as well as provide guidance on selecting the best healthcare providers for your needs.


In-Network vs. Out-of-Network Providers

In-network providers have an established agreement with your insurance company to accept reduced rates, whereas out-of-network providers do not have a contract with your health insurance plan.

Utilizing in-network providers can lead to lower costs for you, as well as ensure that the services they provide are eligible for reimbursement under your plan. On the other hand, seeing an out-of-network provider can result in increased expenses and limited coverage.

To determine if your preferred doctor or hospital is included in a particular Medicare Advantage plan’s network, consult the plan’s website or contact them directly.

Generally, they have a searchable directory or a list of providers who accept their plan. By ensuring that your preferred providers are in-network, you can minimize your out-of-pocket costs and receive the best possible care.


Tips for Finding Preferred Doctors and Facilities

Locating preferred doctors and facilities within a Medicare Advantage plan’s network is essential for receiving the best healthcare coverage possible.


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To find in-network providers, you can consult your plan’s website or contact them, utilize the Care Compare tool on, and search for in-network doctors by ZIP code.

In addition to utilizing these online tools, be sure to ask friends, family, and colleagues for recommendations or referrals. Personal experiences can provide valuable insight into the quality of care provided by different doctors and healthcare facilities.

By thoroughly researching your options, you can ensure that you receive the best possible care within your Medicare Advantage plan’s network.

Comparing Medicare Advantage to Other Coverage Options

Although Medicare Advantage plans provide numerous benefits and extra coverage options, comparing these plans to other Medicare coverage options, such as Original Medicare and Medicare Supplement (Medigap) plans, is important.

By understanding the differences between these options, you can make an informed decision about which type of coverage is best suited to your healthcare needs and preferences.


Medicare Advantage vs. Original Medicare

Medicare Advantage plans consolidate Part A and Part B into one plan, while Original Medicare maintains them as separate plans. Medicare Advantage plans typically provide additional benefits beyond what is covered by Original Medicare, such as cost assistance with dental and vision care, prescription drug coverage, and an annual cap on healthcare expenses.


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On the other hand, Original Medicare offers more flexibility in terms of provider choice, as you can visit any healthcare provider that accepts Medicare.

In terms of healthcare quality, there is generally no significant difference between Medicare Advantage plans and Original Medicare. Both options provide similar benefits and coverage, ensuring that you receive the healthcare you need regardless of which plan you choose.


Medicare Advantage vs. Medicare Supplement (Medigap)

Medicare Advantage and Medigap are two distinct options for individuals with Medicare. Medigap coverage is supplemental to Original Medicare and helps cover out-of-pocket expenses such as deductibles, copayments, and coinsurance.

In contrast, Medicare Advantage is an alternate method of obtaining Medicare benefits and typically includes additional benefits such as vision, dental, and prescription drug coverage.

When deciding between Medicare Advantage and Medigap, it’s essential to consider factors such as your healthcare needs, provider preferences, and budget. By comparing these two options, you can ensure that you select the best coverage for your unique healthcare needs and preferences.


In conclusion, Medicare Advantage plans provide a comprehensive alternative to Original Medicare, offering additional benefits and coverage options tailored to your individual needs. By researching the top providers, understanding the various types of plans, and carefully considering your healthcare needs, you can confidently select the best Medicare Advantage plan for you.

Remember to review your coverage options during enrollment periods and stay informed about your healthcare choices, ensuring that you receive the best possible care and coverage throughout your healthcare journey.

Frequently Asked Questions



What are 4 types of Medicare Advantage plans for 2025?

Medicare Advantage plans come in four types: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS) and Special Needs plans (SNPs).


→  Who has the highest star-rated Medicare Advantage plans for 2025?

Humana Insurance Company is the provider of the highest-rated Medicare Advantage plans, according to industry experts.


What are the disadvantages of having a Medicare Advantage plan?

Medicare Advantage plans can limit plan choices and access to providers, potentially leading to higher out-of-pocket costs and reduced coverage. Additionally, beneficiaries may be subject to changes in copays or coverage annually.


→  What additional benefits do Medicare Advantage plans typically offer compared to Original Medicare?

Medicare Advantage plans typically offer additional benefits such as vision, dental, and hearing coverage, as well as prescription drug coverage through Part D, compared to Original Medicare.

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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.