The Best Medicare Plans for Your Needs

Medicare Advantage is a Medicare-approved plan from a private company that provides an alternative to Original Medicare for health and drug coverage. MoneyGeek's top pick for Medicare Advantage PPO plans is Blue Cross Blue Shield, while UnitedHealthcare is the best option for HMOs. The best plan for you will depend on the options available in your area and how they meet your individual needs and preferences.

If you anticipate needing hospital care, a plan that covers the Medicare Part A deductible can help protect you from a large hospital bill. In recent years, it has become increasingly common for Medicare Advantage plans to offer additional benefits. Among Humana plans that have a drug deductible, most provide Tier 1 drugs without requiring you to meet your deductible first. CMS collects data about Medicare Advantage plans from member surveys, plans themselves, and medical providers, and then assigns a star rating based on the results.

It's important to note that Kaiser Medicare plans have a limited provider network since Medicare Advantage plans are combined with Kaiser medical centers and hospitals. However, the range of costs is especially wide due to the variety of plans available and pricing factors such as age and location. MoneyGeek analyzed national statistics to help you determine the standard features of the best overall Medicare Advantage plans. Many Medicare Advantage plans also include prescription drug coverage, which people with Original Medicare can purchase separately.

To get coverage, make sure a plan provides you with solid benefits in areas you expect to need the most, such as diabetes care, prescription drugs, or inpatient surgery. Medicare Advantage plans offer good benefits and a wide network of providers. To find out about Medicare Advantage plans near you, use the Medicare plan search tool to see what is available. As with any important financial decision, the best Medicare Advantage plan for you will depend on your needs, preferences, and locally available options.

The convenience of integrating prescription drug coverage (Medicare Part D benefits) with Original Medicare benefits is one of the reasons people choose Medicare Advantage plans. Medicare Supplement Plan G is the best overall plan that offers the most coverage for older adults and Medicare members. Medicare Advantage, also known as Medicare Part C, combines Original Medicare benefits with additional services and benefits into one comprehensive health plan. Some people may want a plan without drug coverage, such as those who can get prescription drug coverage elsewhere.

Elise Woehl
Elise Woehl

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