Best-Rated Medicare Advantage Companies
Choosing one of the best-rated Medicare Advantage companies can simplify your retirement healthcare by offering high-quality coverage, broad provider networks, and valuable extras like prescription drug, dental, and vision benefits. At Diversified Insurance Brokers, we work with top insurers that consistently deliver strong service and affordable plans so you can feel confident about your choice.
Compare Top Medicare Advantage Carriers
Explore plans from leading companies—such as Aetna, Mutual of Omaha, Humana, and others—to find the right balance of cost and benefits.
Top-Rated Medicare Advantage Providers
- Aetna: Widely recognized for strong star ratings, nationwide coverage, and affordable plans with extra benefits.
- Mutual of Omaha: Known for reliability and customer service, with competitive Medicare Advantage offerings for retirees.
- Humana: Offers a wide range of Advantage plans, including options with $0 premiums and built-in dental and vision benefits.
- Cigna: Provides solid plan designs with strong provider networks and wellness programs.
- SCAN Health Plan: Highly rated for customer satisfaction and quality, serving select regions with consistently strong performance.
Why Star Ratings Matter
Medicare rates Advantage plans on a 1–5 star system based on quality of care, service, and member satisfaction. Choosing a plan with a 4-star or higher rating ensures you’re selecting a company that meets strong performance standards year after year.
Compare Medicare Advantage Plans Instantly
Use our Medicare calculator below to see how highly rated carriers stack up in your area. Compare premiums, copays, networks, and benefits in minutes.
Choosing the Right Company
- Star Ratings: Plans with 4+ stars are considered above average in quality and service.
- Networks: Confirm that your doctors and hospitals participate in the plan’s network.
- Extras: Look for built-in dental, vision, fitness, and wellness perks that add everyday value.
- Costs: Consider not only the monthly premium but also copays, coinsurance, and annual out-of-pocket maximums.
Featured Carrier Highlights
| Provider | Strengths | Best For |
|---|---|---|
| Aetna | Affordable plans, strong star ratings, large provider network | Nationwide retirees wanting cost savings with extras |
| Mutual of Omaha | Trusted brand, simple plan designs, competitive benefits | Retirees seeking reliability and proven service |
| Humana | Dental and vision options, wide variety of plans | Those who want bundled coverage and $0 premium options |
| Cigna | Wellness extras, strong doctor network, reasonable premiums | Active seniors seeking preventive and fitness benefits |
| SCAN Health Plan | Excellent customer satisfaction and quality performance | Retirees in regions where SCAN is offered |
Case Example
Susan, 70, wanted a Medicare Advantage plan that included dental and vision coverage while keeping costs low. By comparing carriers, she selected a 4.5-star Aetna plan with no premium, prescription coverage, and access to her preferred doctor and pharmacy. This gave her peace of mind knowing she chose a highly rated provider.
Related Medicare Pages
- Medicare for People with Chronic Conditions
- How to Choose the Best Medicare Plan
- Medicare Supplement Plan G vs Plan N
Why Work With Diversified Insurance Brokers?
Since 1980, we’ve helped retirees compare Medicare Advantage carriers like Aetna, Mutual of Omaha, Humana, and Cigna. We focus on matching clients with high-quality, affordable plans that protect both their health and budget. See why families choose to work with us.
Compare Medicare Advantage Carriers
Book a free consultation with Tonia to review highly-rated Medicare Advantage plans and choose the best fit for your retirement.
FAQs: Best-Rated Medicare Advantage Companies
How do I judge the “best-rated” Medicare Advantage companies?
Look at CMS Star Ratings, plan-level costs (premium, MOOP), network breadth, Part D performance, member experience scores, and year-over-year stability of benefits.
Are higher Star Ratings always better for me?
They’re a useful quality signal, but the best plan is the one that fits your doctors, drugs, travel needs, and budget—even if its rating is slightly lower.
What’s the difference between HMO and PPO Medicare Advantage plans?
HMOs generally require in-network care and referrals; PPOs allow more out-of-network flexibility (often at higher cost). Choose based on your provider preferences and travel habits.
What costs should I compare across companies?
Monthly premium, medical copays/coinsurance, the maximum out-of-pocket (MOOP), Part D drug tiers, and extra rider costs (e.g., dental comprehensive add-ons).
How important is the Part D (drug) coverage inside a plan?
Critical—verify your medications are on the formulary, check tiers, prior auth/step therapy rules, and preferred pharmacies. Drug costs can outweigh premium differences.
Do top Medicare Advantage companies include dental, vision, and hearing?
Many do, but limits vary widely. Compare annual maximums, networks, and coverage for major services like implants or advanced hearing aids.
Can I keep my doctors with a highly rated plan?
Only if they’re in-network (HMO) or accept the PPO’s terms. Always confirm provider participation at the plan level for your ZIP code before enrolling.
What about travel and out-of-state coverage?
Emergency/urgent care is typically covered nationwide, but routine care may be limited out of area—PPOs often offer more flexibility than HMOs. Check the plan’s rules.
Do Chronic Condition or Dual-Eligible plans rank differently?
C-SNP and D-SNP plans are rated, too, but they’re tailored to specific conditions or Medicaid eligibility. If you qualify, they can provide targeted benefits and care coordination.
When can I switch to a better-rated Medicare Advantage plan?
During the Annual Enrollment Period (Oct 15–Dec 7) for a Jan 1 start, the Medicare Advantage Open Enrollment Period (Jan 1–Mar 31) for one switch, or via certain Special Enrollment Periods (including 5-Star SEP where available).
Can I move from Medicare Advantage to a Medigap plan later?
Possibly, but Medigap may require underwriting in many states after your initial window. Evaluate this before you enroll in MA if future flexibility matters.
