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Medicare Advantage providers are given grades from rating agencies on different factors like financial strength and customer reviews. These metrics can be extremely useful when you are trying to analyze an insurance company and choose your best provider. Some of the most common third-party ratings can include:
A.M. Best: A.M. Best is a credit rating agency that gives Medicare Advantage providers a financial health score. A++ or "Superior" is the top grade available and usually any company above A- is in an above-average financial situation.
Better Business Bureau (BBB): The BBB rating system is a grade given to a company between A+ and F, which is determined by the complaint history and how responsive the company is to complaints.
J.D. Power: J.D. Power is a global marketing information services company that ranks some of the best Medicare Advantage companies on their customer satisfaction. Its rankings give each provider a number between 0 and 1,000 and use rating factors like price, customer satisfaction, policy offerings and interaction.
By reviewing all these ratings, you can get an excellent picture of the inner workings of many providers. Then, looking at policy prices, you can determine the best Medicare Advantage companies for you.
Company A.M. Best BBB J.D. Power
Kaiser Foundation Health Plan A- A+ 833
Highmark A A- 818
Humana A- A+ 803
Aetna A A+ 801
Centene B++ A+ 799
Anthem A A- 788
UnitedHealthcare A A+ 784
Cigna Healthspring A A+ 781
WellCare B A+ 773
BlueCross BlueShield of Minnesota A- A 769
BlueCross BlueShield of Michigan A- A+ 762
How to choose the best Medicare Advantage plan
Choosing your best Medicare Advantage plan will depend on the cost, amount of coverage and the provider network of the policy. These will vary greatly when comparing insurers but will also differ between the plans that each provider offers. That’s why it’s important to understand each of these categories and how it will change your Medicare health insurance.
Costs, coverage and benefits
Medicare Advantage costs include your monthly premium, deductible, out-of-pocket maximum, copays and coinsurance. The monthly premium for a policy usually determines the level of the deductible and out-of-pocket maximum. For example, if you select a plan with a higher monthly premium, then usually the deductible and amount you would need to pay out-of-pocket are cheaper.
Additionally, plans usually have copays for certain health events, such as visits to a primary care physician or inpatient care. If you decide to select a cheaper Medicare Advantage plan, your copays may be more expensive.
Some Medicare Advantage policies include added benefits, such as fitness programs, dental care, vision care or online concierge services. You should take these into account before deciding what is the best Medicare Advantage plan for you.
Provider networks
Provider networks are typically associated with the health insurance provider that is offering the Medicare Advantage plan. This means the company usually sets and negotiates the relationships with the doctors. For this reason, it is important to carefully review the network — either HMO, PPO, EPO or POS — for each company you are considering.
For example, if you have a preferred primary care physician who you have used throughout your life, we would recommend confirming with that doctor that they are within the new network for the policy you are choosing to purchase.