Health is important. It’s vital for our overall well-being. Usually, when we’re healthy we don’t think about what could go wrong. We shouldn’t. That’s a negative mindset. But, not thinking about it and not being prepared are two different things. You need to differentiate between the two.
Don’t worry, don’t think about the worst, but be prepared. That’s our advice. How to be prepared? Well, it’s all about having the right partners on your side. It’s about knowing a few things about medical insurance and what good care covers.
Not everyone is well-versed in this field. We understand that. This is where knowing that seeking advice is the right path would suffice. If you continue reading this article we are going to tell you what Medicare advantage plan has the highest rating. This is the knowledge you need to have if you want to be safe and secure as far as your health is concerned.
Nothing in this world is more important than health. The history of this society taught us that much. But, choosing the right option might not be as easy. Maybe the plan with the highest rating is not the most suitable for you.
This could happen. The light that shines the brightest is not always the most beautiful. We can count on that. So, what you want to know, in addition to knowing the ratings of advantage plans, is how they compare to each other. You can seek top Medicare advantage plans all over the web, but having it all in one place as we’re having it here, or on the link above as we suggested, mildly compared, is what will give you the best direction. Now, let’s jump to the core of our subject today.
UnitedHealthcare
Let’s start with this one. UnitedHealthcare is at your disposal in 49 states. That’s quite a high number. What it means is that it offers close to the best network in the USA. They’ll have you covered no matter what. Their rating stands at 4.28 out of 5 stars. Their rating is their best advantage. It screams customer satisfaction. In case of a complex health issue, they offer care coordinators that can aid you with any transition.
What you’ll love is that they have dental plans for their customers which are quite lucrative. On the downside, they’re not the best in the industry despite the high rating. As far as their special plans are concerned, they are highly priced with zero savings on premiums.
Aetna
Aetna is our second suggestion and it’s with a good reason. When it comes to drug coverage they beat out all of the other players. When it comes to overall plan value this one easily enters the top 5% of all providers. All of their plans are very well priced following what they offer and in good measure when compared to competitors.
All of their MA plans come with home visits included and they also offer concierge service which is an amazing perk. When it comes to averages it is rated quite better than your standard MA plan. If you want to look at the downsides let’s say that they don’t provide PFFS MA plans at all. Furthermore, they’re not available in Montana and Vermont, as also Alaska, Hawaii, and Minnesota too. So, if you’re living in one of those states, you won’t have too many benefits out of their positives.
Humana
Let’s talk about another amazing MA program. It is available in all 50 states including Washington D.C. and even Puerto Rico. Their standard health plans are added by covered dental and visual aspects of HI too. While we’re here let’s mention lifestyle, hearing, and transportation too. It’s no wonder we rate them this high. They’ve also rated 4.02 starts on average out of five when we count in all of the programs you have at your disposal.
That’s a great grade. It is one of the most comprehensive coverage you’ll find in this domain. Here we’re talking about the best-rated insurer in 2024. They hold the astonishing 824 rating on J.D. power which measures up to 1000. What you don’t want to hear is that they have 200 or more customer complaints in the last few years only. While this is not a massive number compared to the number of customers they have it is still a reason to worry a little bit. Also, their SNPs are only available in a few selected states.
Kaiser Permanente
This is quite a dominant name. Their service is the same. Their star rating is 4.81 out of five stars which is quite a feat. The downside, a big one, is that they’re only available in eight states, including Washington D.C. Their star rating is something else. As you can see, none of the options on our list can’t be compared. They have more than 1.8 million users which makes them the fifth largest provider in this sector. This is a number that should tell you that they’re good at what they do.
This number will overlap the 2 million mark in no time. Also, they hold 844 points on J.D. Power’s scale which counts up to 1000. Some of their plans even have a 5-star rating which is quite a feat considering the competition. On the downside, as we already mentioned, they’re only available in Georgia, Colorado, Oregon, Maryland, Hawaii, California, Virginia, and Washington D.C. Furthermore they only offer HMO plans. This means you need to be part of their MPN.
Blue Cross Blue Shield
Last, but not least on our list is the Blue Cross Blue Shield. Their star rating stands at 4.5 if you ask good people from Investopedia. As far as the industry’s rating is concerned they are at 4.27 which is still great considering that the industry’s average is set at 3.97. Among the all national insurers this one tops the highest rating charts, which is a tale of its own.
The majority of their plans also come with drug coverage. Unlike other names on our list, customer satisfaction in the case of this insurer is quite high and with a lower complaint rate average. The downside is that they’re not available in all states, and as far as the PFFS plans go there is no Medicare Advantage.
