Best 2024 Medicare Advantage Plans in Pennsylvania
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Uncovering the Best Medicare Advantage Plans in Pennsylvania
Are you considering enrolling in a Medicare Advantage plan in Pennsylvania? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Pennsylvania, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
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Unveiling the Standout Medicare Advantage Plans in Pennsylvania
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Pennsylvania's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Pennsylvania has 5-star Medicare Advantage plans available in 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Pennsylvania come from:
- Highmark
- Highmark Blue Cross Blue Shield or Highmark Blue Shield
- UPMC for Life
- Independence Blue Cross
- Erickson Advantage
- UnitedHealthcare
MedicareWire recommends evaluating plans from these Pennsylvania health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Pennsylvania, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.
Complete List of Pennsylvania's Plan Providers
Pennsylvania has 20 providers that offer Medicare Advantage plans. They include:
- Aetna Medicare
- Capital Advantage Insurance Company
- Capital Blue Cross
- Capital Blue Cross Medicare
- Cigna
- Cigna Healthcare
- Clover Health
- Devoted Health
- Erickson Advantage
- Geisinger Gold
- Health Partners Medicare
- Highmark
- Highmark Blue Cross Blue Shield or Highmark Blue Shield
- Humana
- Independence Blue Cross
- Lasso Healthcare
- UnitedHealthcare
- UPMC for Life
- Wellcare
- Wellcare by Allwell
Top Pennsylvania Plans by CMS 5-Star Score
Here's a list of the best Medicare Advantage plans available in Pennsylvania, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Pennsylvania
Provider | Plan ID | Plan Name | Premium | Limit | Stars |
---|---|---|---|---|---|
Erickson Advantage | H5652-006 | Erickson Advantage Freedom (HMO-POS) | $68.00 | $4,300 | 5.0 |
Erickson Advantage | H5652-008 | Erickson Advantage Liberty (HMO-POS) | $0.00 | $7,300 | 5.0 |
Erickson Advantage | H5652-001 | Erickson Advantage Signature (HMO-POS) | $168.00 | $2,600 | 5.0 |
Erickson Advantage | H5652-008 | Erickson Advantage Liberty with Drugs (HMO-POS) | $0.00 | $7,550 | 5.0 |
Erickson Advantage | H5652-001 | Erickson Advantage Signature with Drugs (HMO-POS) | $197.00 | $2,600 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3957-044 | Security Blue HMO-POS ValueRx (HMO-POS) | $54.00 | $5,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-015 | Freedom Blue PPO Standard (PPO) | $171.00 | $5,000 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-035 | Complete Blue PPO Distinct (PPO) | $25.00 | $6,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-005 | Freedom Blue PPO Deluxe (PPO) | $285.00 | $4,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-037 | Community Blue Medicare PPO Signature (PPO) | $0.00 | $7,550 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-034 | Community Blue Medicare PPO Distinct (PPO) | $25.00 | $6,000 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3957-042 | Community Blue Medicare HMO Signature (HMO) | $0.00 | $6,700 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-018 | Freedom Blue PPO ValueRx (PPO) | $66.00 | $5,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-041 | Complete Blue PPO Signature (PPO) | $0.00 | $7,550 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-002 | Freedom Blue PPO Classic (PPO) | $250.00 | $4,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-024 | Freedom Blue PPO Select (PPO) | $127.00 | $5,000 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3957-046 | Security Blue HMO-POS Deluxe (HMO-POS) | $220.00 | $4,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-036 | Community Blue Medicare Plus PPO Distinct (PPO) | $25.00 | $6,000 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-039 | Community Blue Medicare Plus PPO Signature (PPO) | $0.00 | $8,300 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3957-048 | Together Blue Medicare HMO Signature (HMO) | $0.00 | $6,700 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3957-039 | Community Blue Medicare HMO Prestige (HMO) | $50.00 | $5,500 | 5.0 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3957-045 | Security Blue HMO-POS Standard (HMO-POS) | $159.00 | $5,000 | 5.0 |
Independence Blue Cross | H3952-045 | Keystone 65 Preferred Rx (HMO) | $241.00 | $3,800 | 5.0 |
Independence Blue Cross | H3952-051 | Keystone 65 Select Rx (HMO) | $81.50 | $4,900 | 5.0 |
Independence Blue Cross | H3952-054 | Keystone 65 Focus Rx (HMO-POS) | $15.00 | $6,500 | 5.0 |
Independence Blue Cross | H3952-056 | Keystone 65 Basic Rx (HMO) | $0.00 | $7,550 | 5.0 |
UPMC for Life | H3907-037 | UPMC for Life HMO Deductible Rx (HMO) | $22.00 | $6,000 | 5.0 |
UPMC for Life | H3907-029 | UPMC for Life HMO Rx (HMO) | $81.00 | $5,500 | 5.0 |
UPMC for Life | H3907-049 | UPMC for Life HMO Rx Choice (HMO) | $36.00 | $4,500 | 5.0 |
UPMC for Life | H3907-006 | UPMC for Life HMO Rx Enhanced (HMO) | $295.00 | $7,550 | 5.0 |
UPMC for Life | H5533-011 | UPMC for Life PPO Premier Rx (PPO) | $0.00 | $5,900 | 5.0 |
UPMC for Life | H5533-009 | UPMC for Life PPO Rx Choice (PPO) | $23.00 | $4,900 | 5.0 |
UPMC for Life | H5533-003 | UPMC for Life PPO High Deductible Rx (PPO) | $33.00 | $7,550 | 5.0 |
UPMC for Life | H5533-005 | UPMC for Life PPO Rx Enhanced (PPO) | $134.00 | $7,550 | 5.0 |
UPMC for Life | H3907-046 | UPMC for Life HMO Premier Rx (HMO) | $0.00 | $5,500 | 5.0 |
Aetna Medicare | H3959-046 | Aetna Medicare Advantra Washington Prime (HMO) | $0.00 | $6,500 | 4.5 |
Aetna Medicare | H5522-021 | Aetna Medicare Value Plus (PPO) | $45.00 | $6,700 | 4.5 |
Aetna Medicare | H5522-020 | Aetna Medicare Advantra Central Value (PPO) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-052 | Aetna Medicare Advantra Value (HMO) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-049 | Aetna Medicare Advantra Excela Prime (HMO-POS) | $0.00 | $6,500 | 4.5 |
Aetna Medicare | H3959-051 | Aetna Medicare Beaver Valley Prime (HMO) | $0.00 | $6,500 | 4.5 |
Aetna Medicare | H3959-051 | Aetna Medicare Beaver Valley Prime (HMO-POS) | $0.00 | $6,500 | 4.5 |
Aetna Medicare | H5522-026 | Aetna Medicare Essentials Plan (PPO) | $0.00 | $4,850 | 4.5 |
Aetna Medicare | H3959-045 | Aetna Medicare PennHighlands Prime (HMO-POS) | $0.00 | $6,300 | 4.5 |
Aetna Medicare | H5522-023 | Aetna Medicare Deluxe Plan (PPO) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-033 | Aetna Medicare Value Plus (HMO-POS) | $27.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-052 | Aetna Medicare Advantra Value (HMO-POS) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H5522-025 | Aetna Medicare SmartSaver Elite (PPO) | $0.00 | $4,850 | 4.5 |
Aetna Medicare | H5522-028 | Aetna Medicare Freedom Core (PPO) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-047 | Aetna Medicare Advantra Butler Prime (HMO-POS) | $0.00 | $5,500 | 4.5 |
Aetna Medicare | H5522-029 | Aetna Medicare PinnacleHealth Prime (PPO) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-046 | Aetna Medicare Washington Prime (HMO-POS) | $0.00 | $6,500 | 4.5 |
Aetna Medicare | H3959-053 | Aetna Medicare Advantra Philly Prime (HMO-POS) | $0.00 | $6,900 | 4.5 |
Aetna Medicare | H3959-047 | Aetna Medicare Advantra Butler Prime (HMO) | $0.00 | $5,500 | 4.5 |
Aetna Medicare | H3959-053 | Aetna Medicare Advantra Philly Prime (HMO) | $0.00 | $6,900 | 4.5 |
Aetna Medicare | H3959-037 | Aetna Medicare Advantra Gold (HMO-POS) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-033 | Aetna Medicare Advantra Premier (HMO) | $27.00 | $7,550 | 4.5 |
Aetna Medicare | H5522-013 | Aetna Medicare Advantra Silver Plus (PPO) | $18.00 | $7,000 | 4.5 |
Aetna Medicare | H5522-002 | Aetna Medicare Advantra Premier Plus (PPO) | $77.00 | $6,500 | 4.5 |
Aetna Medicare | H3959-039 | Aetna Medicare Advantra Premier (HMO-POS) | $23.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-045 | Aetna Medicare PennHighlands Prime (HMO) | $0.00 | $6,300 | 4.5 |
Aetna Medicare | H5522-005 | Aetna Medicare Advantra Silver (PPO) | $17.00 | $6,001 | 4.5 |
Aetna Medicare | H3959-011 | Aetna Medicare Advantra Silver (HMO-POS) | $0.00 | $5,900 | 4.5 |
Aetna Medicare | H5522-022 | Aetna Medicare Silver Back (PPO) | $0.00 | $7,550 | 4.5 |
Aetna Medicare | H3959-002 | Aetna Medicare Advantra Gold (HMO) | $35.00 | $5,500 | 4.5 |
Aetna Medicare | H5522-017 | Aetna Medicare Advantra Credit Value (PPO) | $0.00 | $7,550 | 4.5 |
Capital Blue Cross | H3923-029 | Capital Blue Cross | WellSpan Health Advantage (PPO) | $0.00 | $6,600 | 4.5 |
Capital Blue Cross | H3923-030 | Capital Blue Cross | WellSpan Health AdvantagePlus (PPO) | $19.00 | $5,900 | 4.5 |
Capital Blue Cross | H3923-031 | Capital Blue Cross | WellSpan Health Value (PPO) | $0.00 | $8,000 | 4.5 |
Capital Blue Cross | H3923-013 | BlueJourney Classic (PPO) | $51.00 | $6,700 | 4.5 |
Capital Blue Cross | H3923-017 | BlueJourney Prime (PPO) | $174.00 | $4,000 | 4.5 |
Capital Blue Cross | H3923-035 | Capital Blue Cross Enhanced (PPO) | $20.00 | $6,000 | 4.5 |
Capital Blue Cross | H3923-028 | Capital Blue Cross Select (PPO) | $0.00 | $7,000 | 4.5 |
Capital Blue Cross | H3923-033 | Capital Blue Cross Value (PPO) | $0.00 | $8,000 | 4.5 |
Geisinger Gold | H3954-158 | Geisinger Gold Classic Complete Rx (HMO) | $38.00 | $4,900 | 4.5 |
Geisinger Gold | H3954-157 | Geisinger Gold Classic Advantage Rx (HMO) | $155.00 | $3,450 | 4.5 |
Geisinger Gold | H3954-161 | Geisinger Gold Classic Essential Rx (HMO) | $0.00 | $7,550 | 4.5 |
Geisinger Gold | H3954-160 | Geisinger Gold Classic 360 Rx (HMO) | $0.00 | $7,550 | 4.5 |
Geisinger Gold | H3924-062 | Geisinger Gold Preferred Enhanced Rx (PPO) | $45.00 | $7,550 | 4.5 |
Geisinger Gold | H3924-065 | Geisinger Gold Preferred Complete Rx (PPO) | $0.00 | $6,700 | 4.5 |
Geisinger Gold | H3924-059 | Geisinger Gold Preferred Advantage Rx (PPO) | $109.00 | $4,000 | 4.5 |
Geisinger Gold | H3924-066 | Geisinger Gold Preferred 360 Rx (PPO) | $0.00 | $7,550 | 4.5 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-045 | Community Blue Medicare PPO Premier (PPO) | $46.00 | $4,900 | 4.5 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-044 | Complete Blue PPO Premier (PPO) | $46.00 | $4,900 | 4.5 |
Highmark Blue Cross Blue Shield or Highmark Blue Shield | H3916-046 | Community Blue Medicare Plus PPO Premier (PPO) | $46.00 | $4,900 | 4.5 |
Humana | H6622-036 | Humana Gold Plus H6622-036 (HMO) | $0.00 | $6,700 | 4.5 |
Humana | H5216-051 | HumanaChoice H5216-051 (PPO) | $43.00 | $6,300 | 4.5 |
Humana | H5216-117 | Humana Value Plus H5216-117 (PPO) | $41.10 | $7,000 | 4.5 |
Humana | H5216-120 | HumanaChoice H5216-120 (PPO) | $123.00 | $6,700 | 4.5 |
Humana | H6622-054 | Humana Gold Plus H6622-054 (HMO) | $0.00 | $6,700 | 4.5 |
Humana | H5216-023 | HumanaChoice H5216-023 (PPO) | $36.00 | $6,200 | 4.5 |
Humana | H6622-052 | Humana Gold Plus H6622-052 (HMO) | $0.00 | $7,200 | 4.5 |
Humana | H6622-037 | Humana Gold Plus H6622-037 (HMO) | $0.00 | $6,900 | 4.5 |
Humana | H6622-035 | Humana Gold Plus H6622-035 (HMO) | $0.00 | $6,700 | 4.5 |
Independence Blue Cross | H3909-016 | Personal Choice 65 Saver Rx (PPO) | $0.00 | $8,300 | 4.5 |
Independence Blue Cross | H3909-017 | Personal Choice 65 Elite Rx (PPO) | $25.60 | $7,250 | 4.5 |
Independence Blue Cross | H3909-014 | Personal Choice 65 Prime Rx (PPO) | $0.00 | $7,550 | 4.5 |
Independence Blue Cross | H3909-001 | Personal Choice 65 Rx (PPO) | $247.00 | $5,000 | 4.5 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Pennsylvania County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Pennsylvania by County
Choose your Pennsylvania County below to see the best (and the worst) plans.
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Navigating Your Options: How to Select the Best Medicare Advantage Plan in Pennsylvania
There are various reasons you might be considering a plan change, such as turning 65 or the Annual Enrollment Period. You might also be navigating a special enrollment event, such as moving into a new region. There are some important details to consider in all these situations.
1. Examine Your Projected Utilization Needs
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.
2. Evaluate Your Prescription Costs
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Pennsylvania Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Assess Your Need for Supplemental Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Consider Your Healthcare Providers
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Pennsylvania shoppers, finding a plan that their doctors accept is exhausting. We can help!
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Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much does Medicare Advantage cost in Pennsylvania?
The average cost of a Medicare Advantage plan in Pennsylvania is $34.56. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What do Medicare Advantage plans include?
All Medicare Advantage plans offered in Pennsylvania must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Explore your Medicare coverage options", Last Accessed October 27, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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