What is the best Medicare plan for 2025?

Asked by: Mr. Colt Bins  |  Last update: May 20, 2025
Score: 4.1/5 (66 votes)

Best for ratings: Aetna Medicare Advantage. Best for low-cost plan availability: Cigna Medicare Advantage. Best for Part B Giveback: Humana Medicare Advantage.

What is the best Medicare Advantage plan for 2025?

The Best Medicare Advantage Companies of 2025 include:
  • Best Medicare Advantage Company: Aetna Medicare, Blue Cross Blue Shield of Michigan Mutual Ins. Co., Devoted Health, Inc., Highmark Health.
  • Best Medicare Part D Company: Centene Corporation, Elevance Health, Inc., Humana Inc., Medica Holding Company.

What will my Medicare premium be in 2025?

If you don't get premium-free Part A, you pay up to $518 each month. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($185 in 2025).

What will happen to Medicare Advantage in 2025?

CMS estimates that the average monthly plan premium among all Medicare Advantage enrollees in 2025, including those who pay no premium for their Medicare Advantage plan, will be $17.00 a month. In 2024, 12 percent of Medicare Advantage enrollees are in a plan that offered some reduction in Medicare Part B premiums.

Why are seniors losing Medicare Advantage plans?

Medicare vs Privatized Medicare Advantage

Beneficiaries are tossed aside because they live in an unprofitable market for their insurer or because they are actually using the insurance they signed up for to access services.

The Best Medicare Supplement Plans in 2024 and 2025

44 related questions found

Why are hospitals refusing Medicare Advantage plans?

Among the most commonly cited reasons are excessive prior authorization denial rates and slow payments from insurers. In 2023, Becker's began reporting on hospitals and health systems nationwide that dropped some or all of their Medicare Advantage contracts.

Who is the largest Medicare Advantage provider?

Why we picked it: A large network of medical providers means it may be easier to find a doctor or specialist who takes your insurance.
  • UnitedHealthcare is the largest provider of Medicare Advantage plans. ...
  • Aetna is a CVS Health company and is the fourth-largest provider of Medicare Advantage plans.

Why are people leaving the Medicare Advantage plan?

Medicare Advantage plans often have a limited network of hospitals and physicians. And while the premiums are typically low, enrollees could end up paying more in the long run in copays and deductibles if they develop a serious illness.

What is the best Medicare plan that covers everything for seniors?

Original Medicare with Medigap likely offers the most comprehensive coverage, but it may also be the most costly. A person can consider their income and how much they are able to spend before choosing a Medicare plan. Original Medicare with Medigap also offers a lot of flexibility when choosing a doctor or specialist.

Can I drop my medicare advantage plan and go back to original Medicare?

Medicare Advantage Open Enrollment Period: Between January 1 and March 31 of each year, if you already have a Medicare Advantage Plan (with or without drug coverage) you can: Switch to another Medicare Advantage Plan (with or without drug coverage). Drop your Medicare Advantage Plan and return to Original Medicare.

Does everyone have to pay $170 a month for Medicare?

Most people pay no premiums for Part A. For Medicare Part B in 2025, most beneficiaries will pay $185 per month. Certain factors may require you to pay more or less than the standard Medicare Part B premium in 2025.

What is the Medicare final rule for 2025?

The Centers for Medicare & Medicaid Services Nov. 1 released its calendar year 2025 final rule for the physician fee schedule. The rule will cut the conversion factor by 2.8% to $32.35 in CY 2025 compared to $33.29 in CY 2024.

What is the Social Security increase for 2025?

Millions of Social Security beneficiaries have now received their first benefit checks for 2025. The new 2.5% cost-of-living adjustment — which adds $50 per month to retirement benefits on average — marks the lowest increase since 2021, when inflation spiked shortly thereafter.

What will the Medicare premium be for 2025?

Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrollees will be $185.00 for 2025, an increase of $10.30 from $174.70 in 2024.

What is the biggest disadvantage of the Medicare Advantage plan?

Medicare Advantage Plan Pros And Cons

One disadvantage is that some Medicare Advantage plans may offer fewer options when it comes to doctors and hospitals, as they may have smaller plan networks than Original Medicare.

What is the best medical insurance company for seniors?

AARP/UnitedHealthcare is the best company for Medigap plans in 2025. For most people, the best company for Medigap coverage is AARP/UnitedHealthcare.

Is there a Medicare plan that pays 100%?

Medicare Advantage Plan (Part C):

Deductibles, coinsurance, and copayments vary based on which plan you join. Plans also have a yearly limit on what you pay out-of-pocket. Once you pay the plan's limit, the plan pays 100% for covered health services for the rest of the year.

What type of medical insurance do most retirees have?

Since Medicare pays first after you retire, your retiree coverage is probably similar to coverage from a Medicare Supplement Insurance (Medigap) policy. Both are likely to offer benefits that fill in some of the gaps in Medicare coverage—like coinsurance and deductibles.

What are the 6 things Medicare doesn't cover?

Some of the items and services Medicare doesn't cover include:
  • Eye exams (for prescription eyeglasses)
  • Long-term care.
  • Cosmetic surgery.
  • Massage therapy.
  • Routine physical exams.
  • Hearing aids and exams for fitting them.

Why do doctors not like Medicare Advantage plans?

Across the country, provider grumbling about claim denials and onerous preapproval requirements by Advantage plans is crescendoing. Some hospitals and physician practices are so fed up they're refusing to accept the plans — even big ones like those offered by UnitedHealthcare and Humana.

Why is a Medicare Supplement better than an advantage plan?

Consider Original Medicare with a Medigap plan if you:

Original Medicare with a Medigap plan gives you access to any doctor or hospital that accepts Medicare. Intend to travel. Medicare Advantage plans come with limited service areas; if you travel outside, you may have to pay out of pocket for medical care.

What is happening to Medicare Advantage plans in 2025?

In 2025, Medicare Part D plans and Medicare Advantage plans that include prescription drug coverage will feature lower out-of-pocket cost limits and new payment options. Changes include: Annual out-of-pocket cap reduced from $8,000 to $2,000. Elimination of the Medicare donut hole in 2025.

Why are hospitals not taking Medicare Advantage plans?

Excessive prior authorization denial rates, slow payments from health insurers among the reasons. Medicare Advantage (MA) provides health coverage to more than half of the nation's older adults, but some hospitals and health systems are opting to end their contracts with MA plans over administrative challenges.

Which health insurance denies the most claims?

According to the analysis, AvMed and UnitedHealthcare tied for the highest denial rate, with both companies denying about a third of in-network claims for plans sold on the Marketplace in 2023, respectively.

What is the highest rated Medicare Advantage plan?

The Best Medicare Advantage Plans 2025
  • Humana - Best nationwide availability.
  • Anthem - Best for special needs plans.
  • Aetna - Best value plans.
  • Wellcare - Best health and wellness amenities.
  • AARP - Best for veterans.
  • UnitedHealthCare - Best for telemedicine care.
  • Kaiser - Highest member satisfaction and ratings.