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Best Medicare Advantage Plans for 2023


When it comes to Medicare, seniors have plenty of options. Seniors enrolling in a Medicare Advantage plan may find it challenging to understand which plan works best for their needs and which carrier has the best Medicare Advantage plans.

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Private insurance companies offer Medicare Advantage plans. The costs, benefits, and perks vary between these plans, as do the needs of each senior.

If you are looking for a plan that combines all the benefits of Original Medicare, includes additional benefits (like vision and dental coverage), and has a low monthly premium, Medicare Advantage may be the right choice for you. But finding the best Medicare Advantage for your needs can feel complicated and confusing.

Fortunately, we have compiled a list of the best Medicare Advantage Plans for 2023. While the answer may be different for each individual, below, we’ll discuss the best Medicare Advantage plans and carriers, and enrolling with a suitable carrier is as important as finding the best benefits through well-established Medicare carriers.

Best Medicare Advantage Plans 2023

Finding the best Medicare Advantage plans for your needs means understanding what you need from the start. For example, are you looking for the lowest monthly premium, the lowest cost-sharing, the most benefits, the highest overall customer satisfaction rating, etc.?

The best Medicare Advantage plans will provide you with coverage that fits your needs. Your Medicare Advantage plan options depend on your ZIP Code. We recommended looking at a carrier’s nationwide ranking before assessing your options.

Below, we list the best Medicare Advantage carriers offering plans to fit your needs based on company ratings, coverage options, and benefits:

1. Aetna – Best for Extra Perks
2. Humana – Best for low-cost plans
3. Cigna – Best for member satisfaction
Medicare Advantage Enrollment
These long-standing companies offer the best Medicare Advantage plans year after year. Medicare Advantage plans pay your medical costs instead of Original Medicare (Parts A and B). When you go to the doctor, your Medicare Advantage card is your main card for Medicare.

Most Medicare Advantage plans include prescription drug coverage but check the Part D formulary before enrolling. Additionally, plans often include coverage for routine dental and eye care, fitness programs, or the Part B give-back benefit.

Choosing a reliable company to handle your Medicare Advantage benefits and offer exceptional perks is vital for your healthcare. Explore these carriers further to help determine which is the best Medicare Advantage plan for your needs.

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Which Company Has the Best Medicare Advantage Plan?

The answer to this question depends on what you define as best. Are you looking for the lowest monthly premium or the lowest cost-sharing plan? Maybe the best Medicare Advantage plan to you means the highest overall customer satisfaction rating or the plan with the most benefits. Below, we listed the best Medicare Advantage carriers based on company ratings, coverage options, and benefits.

Aetna Medicare Advantage Plans 2023

Aetna Medicare Advantage plans are number one on our list. Aetna is one of the largest health insurance carriers in the world. Not only do they offer some of the best Medicare Advantage plans, but they also have an AM Best A-rating.

There are multiple plan types, like Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). Many plans have low premiums, and some have zero-dollar premiums. You should choose the policy that is right for you and your needs.

Aetna has options to keep you healthy. These features include annual wellness visits, hearing coverage, vision check-ups, and Medicare Part D prescription drug coverage. If you want discounts on fitness centers, you can choose a plan with that option.

Medicare Advantage plans through Aetna have a vast network of doctors and hospitals. If you have more than one doctor you want to see, an Aetna plan might be best for you.

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Aetna’s network of pharmacies is also extensive, making filling your prescription nearby
easier. Many of the preferred generic drugs start at just $1.

Humana Medicare Advantage Plans 2023

Humana has been providing Medicare Advantage coverage for many years. With millions of Medicare members, Humana Medicare Advantage plans have some of the lowest out-of-pocket costs.

For example, on some plans, the maximum out-of-pocket is as low as $2,200. If such a plan is available in your service area, you could cap your copayments and coinsurances for the year at $2,200.

We consider Humana Medicare Advantage plans some of the best Medicare Advantage plans for seniors with high healthcare costs.

Many of Humana’s plans come with additional benefits to support your well-being. Most Medicare Advantage plans include fitness programs and access to more than 13,000 fitness centers, convenient mail-order pharmacy services, and a 24/7 nurse advice line.

Silver Sneakers gives you access to gyms and exercise classes throughout the United States, requiring no membership fees.

Also, two Medicare Advantage contracts in Florida and Tennessee have a 5-star rating on CMS. 5-star plans have a Special Enrollment Period option. So, if you do not currently have a 5-star plan, you can enroll in the high-quality policy anytime.

Cigna Medicare Advantage Plans 2023

Cigna has been around for hundreds of years. Just like Aetna, Cigna has an A Rating with AM Best. Cigna offers more than just experience; they provide expertise.

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This company understands that one size does not fit all when it comes to Medicare needs and plans. That is why Cigna offers many plan options, including Special Needs Plans.

Cigna has Special Needs Plans for people in nursing homes or skilled nursing care, or people with diabetes, cardiovascular issues, and options for people with Medicare and Medicaid.

Cigna has over 95 million members worldwide, and its wide range of options is precisely why so many seniors find some of the best Medicare Advantage plans around through their products.

Which Medicare Advantage Plan Has the Best Dental Coverage?

As stated before, the best Medicare Advantage plans will depend on your ZIP Code and your coverage needs. There are many carriers available that provide dental coverage, but your best option is to assess your coverage needs and then choose the plans in your area that best suit your needs.

How to Get Help Deciding on the Best Medicare Advantage Plan for You

If you are unsure which Medicare Advantage plan to enroll in, contact a licensed Medicare agent who will review all the best Medicare Advantage plans in your area.

Our licensed Medicare agents can also help review other options such as Medicare Supplement plans with you to help you make an informed decision for your healthcare.

To find the best Medicare Advantage plan for your needs, call the number above or complete our free online rate form. We look forward to helping you throughout your Medicare journey!

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Advantage Plans, Medicare . Accessed May 2022.
    https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-advantage-plans
  2. Understanding Medicare Advantage Plans, Medicare. Accessed May 2022.
    https://www.medicare.gov/Pubs/pdf/12026-Understanding-Medicare-Advantage-Plans.pdf
  3. How Do Medicare Advantage Plans Work, Medicare. Accessed May 2022.
    https://www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-advantage-plans/how-do-medicare-advantage-plans-work

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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