Best Medicare Advantage Plans in 2025 – Medicare Advantage is seeing some important changes in 2025. These updates come from both the federal government and insurance providers.
One key change is the introduction of a $2,000 limit on out-of-pocket spending for prescription drugs. In addition, some providers have scaled back benefits or stopped offering certain plans.
Best Medicare Advantage Plans in 2025
To help you navigate these changes, we reviewed plans that account for 85% of the Medicare Advantage market.
Our evaluation focused on several factors, including plan quality, cost, available benefits, and customer satisfaction. Below is a list of Medicare Advantage plans that stood out in our analysis.
1. Humana Gold Plus (HMO)
Humana is available throughout the United States and in Puerto Rico. The Gold Plus HMO plan includes both health and prescription drug coverage. It offers a wide range of extra benefits, including preventive and comprehensive dental care, vision, hearing, and over-the-counter medication allowances. The plan also covers eyeglasses, hearing aids, transportation to medical appointments, and emergency care outside the country.
Pros: Nationwide availability, low or no in-network copays, extensive dental, vision, and hearing coverage.
Cons: High copays for diagnostic services like MRIs, and out-of-pocket costs for ambulance services.
2. Aetna Medicare Value Select Plan (HMO)
Aetna’s Value Select Plan is a cost-effective option with a $0 monthly premium. It includes $0 copays for primary care visits and low copays for specialists and therapy sessions, depending on location. Emergency and urgent care services are always covered with a copay.
Pros: No monthly premium, national coverage, and a broad range of extra benefits including vision, dental, and hearing.
Cons: High out-of-pocket limits in some regions; not offered in Puerto Rico.
3. Cigna True Choice Medicare (PPO)
Cigna offers this PPO plan in over 25 states and Washington, D.C. It has a $0 premium and no deductibles for medical services or prescriptions. The annual maximum out-of-pocket cost is $7,300 for both in-network and out-of-network services in many areas. It includes coverage for telehealth, dental, vision, hearing, medical emergencies abroad, and non-emergency transportation.
Pros: No premium, no deductibles, and a wide range of benefits including over-the-counter drug coverage.
Cons: Not available in all states; coinsurance for lab tests can be high (20% in-network, 40% out-of-network).
4. Wellcare No Premium (HMO)
Wellcare operates in 37 states and offers a plan with $0 premiums and a $0 copay for Beltone in-network hearing aids. It also includes dental, vision, fitness benefits, and prescription drug coverage. Drug deductibles may apply and vary by region.
Pros: Free hearing aids from Beltone, no monthly premiums, and several additional coverages.
Cons: High drug deductibles in some areas and limited state availability.
5. AARP Medicare Advantage from UnitedHealthcare (HMO-POS)
This HMO-POS plan is ideal for those who spend time in multiple states. It includes some out-of-network coverage, depending on your location. The plan has no monthly premium, no health or drug deductibles, and provides dental, hearing, vision, and fitness benefits. Emergency care and telehealth are also covered.
Pros: No premiums or deductibles, includes extras like hearing aids and eyewear, and allows limited out-of-network access.
Cons: Out-of-network costs vary by location and need to be confirmed with the insurer.
6. Humana USAA Honor (PPO)
This plan is tailored for veterans but is available to all eligible individuals. It enhances VA benefits by expanding access to care. There is no monthly premium, and it includes dental, vision, hearing, non-emergency transportation, and global emergency medical coverage.
Pros: Expands access beyond VA providers, $0 premium, covers transportation and many extra services.
Cons: Does not include drug coverage; copays apply for specialists.
7. Anthem Medicare Advantage (Blue Cross Blue Shield)
Anthem, part of the Blue Cross Blue Shield network, offers Medicare Advantage plans across most states. This HMO plan includes $0 monthly premiums and no deductibles for health or prescription coverage. It also includes dental, vision, hearing, fitness benefits, and global emergency services.
Pros: Zero copays for many brand-name and generic medications, hearing aids, and medical services; broad national presence.
Cons: Not offered in all 50 states; therapy-related copays may be higher than others.
