One reason the company can keep member costs low may be that it only offers HMO plans for Medicare coverage, which means you’ll need to stay strictly in-network. Not only this, but compared to the other largest players, Kaiser Permanente drug deductibles are the lowest nationwide- only $5.60, on average, for 2023. Medicare Advantage Study, beating the runner up (Humana) by 20 points. The company also took top billing in the 2022 J.D. And the average NCQA rating is 4.75 out of 5 stars, making Kaiser Permanente the highest-rated Medicare Advantage provider by the National Committee for Quality Assurance. All Medicare Advantage plans in 2023 receive five stars from Medicare, which is the highest rating available. Kaiser Permanente customers are very happy with their plans. But if you live in Alaska, Hawaii, Minnesota, Montana, or Vermont, or want a PFFS plan (private-fee-for-service), you’ll need to consider another provider. Some Aetna plans feature $0 copays on primary care doctors and specialists, and all plans offer a concierge service to help you find services like home health care or pet and yard care. “Plan value” weighs plan costs, such as monthly premiums, deductibles, and copays, against plan benefits, such as maximum out-of-pocket amounts, extra perks, and Medicare and NCQA star ratings. In a measure of plan value across the largest MA providers, Aetna was in the top 5%. For example, some Aetna plans have $0 copays for generic drugs in the gap. This is important because once you and your plan spend $4,660 on drugs in 2023, you’ll pay up to 25% on brand-name drugs and generics until you spend $7,400 out of pocket on drugs and leave the donut hole. More of Aetna's plans offer additional drug coverage in the Medicare gap phase than any other major providers. Read more in our UnitedHealthcare Medicare review. Also, the average plan limit on out-of-pocket expenses is $5,299 in 2023, which is higher than some competitors but slightly lower than the average across major insurers. Medicare Advantage Study, which puts it fourth out of the nine largest providers for overall customer satisfaction. Though UHC outperforms its peers in key metrics, it ranked one point below the industry average in the J.D. And most plans offer additional drug coverage during the Medicare donut hole, which can save money if your drugs cost more than $4,660 in 2023. Plus, UHC offers its HouseCalls program, which provides annual no-cost in-home care visits. Coverage is available for vision, hearing, and dental care non-emergency transportation and worldwide emergencies. The company offers a range of plan types, including HMO, PPO, and PFFS plans. Both organizations score on a five-star scale. They also have a nearly 4-star average rating from the National Committee for Quality Assurance (NCQA), which is the second-highest rating among the largest MA providers nationwide. On average, UHC Medicare Advantage plans with drug coverage have a 4.2 Medicare star rating, which is above the national average of 3.97.
This might be because UnitedHealthcare’s MA plans-co-branded with AARP-earn high marks for plan quality and member experience. UnitedHealthcare (UHC) is the largest provider of Medicare Advantage plans in 2023, capturing 28% of the Medicare Advantage market in 2022.
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