best medicare plan for seniors

Best Medicare Plan for Seniors: Top Picks 2023

As seniors strive to ensure they have the best healthcare coverage in place, choosing the right Medicare plan becomes crucial. Medicare Advantage plans, also known as Medicare Part C, offer additional benefits beyond Original Medicare, making them an attractive option for seniors. To help you navigate the options and find the best Medicare plan for seniors in 2023, we have curated a list of top picks that provide comprehensive coverage and senior-friendly benefits.

Key Takeaways:

  • Medicare Advantage plans offer additional benefits beyond Original Medicare.
  • UnitedHealthcare provides the largest network of healthcare providers.
  • Aetna offers a variety of extra perks, including dental, vision, and hearing care.
  • Blue Cross Blue Shield offers affordable options and local support.
  • Humana provides low-cost plan availability and comprehensive coverage.

UnitedHealthcare – Best for Size of Network

best medicare plan coverage

When it comes to Medicare Advantage plans, UnitedHealthcare stands out as the best option for seniors seeking a wide network of healthcare providers. With over 1 million providers in their network, UnitedHealthcare offers extensive coverage and accessibility for Medicare beneficiaries. This means that regardless of where you live, you’re likely to find a healthcare professional in your area who accepts UnitedHealthcare.

UnitedHealthcare’s network extends across all 50 states, with plans available in 49 states and Washington, D.C. This ensures that no matter where you reside, there is a high chance that a UnitedHealthcare Medicare Advantage plan is available to you. This level of coverage is crucial for seniors who want access to quality healthcare services and specialists.

In addition to its vast network, UnitedHealthcare offers comprehensive coverage options designed to meet the specific needs of seniors. These plans often include not just medical coverage, but also dental and vision benefits. This ensures that you have access to a wide range of healthcare services, promoting your overall well-being.

While member experience ratings may be average, UnitedHealthcare’s size of network and coverage options make them a top pick for seniors. Their commitment to offering senior-friendly Medicare plans that are both comprehensive and affordable makes UnitedHealthcare a reliable choice for Medicare beneficiaries looking for peace of mind.

Key Benefits of UnitedHealthcare Medicare Advantage Plans

  • Extensive network with over 1 million providers
  • Availability in 49 states and Washington, D.C.
  • Dental and vision coverage options
  • Senior-friendly Medicare plans
  • Affordable options for comprehensive coverage

Aetna – Best for Extra Perks

Aetna Extra Perks

Aetna Medicare Advantage plans offer a variety of extra benefits that make them the best choice for seniors seeking comprehensive coverage. With Aetna, you not only get essential medical services, but also additional perks that enhance your overall well-being.

Benefits at a Glance:

  • Dental Care: Aetna’s plans include dental coverage, ensuring that your oral health needs are taken care of. From preventive services to major dental work, you can enjoy peace of mind knowing that your smile is protected.
  • Vision Care: Aetna understands the importance of clear vision, which is why they provide coverage for vision services. Whether you need eyeglasses, contact lenses, or regular eye exams, Aetna has you covered.
  • Hearing Care: Aetna’s plans also include coverage for hearing services, allowing you to maintain good hearing health. From hearing aids to hearing tests, Aetna ensures that you have access to the care you need.
  • In-Home Health Visits: Aetna goes above and beyond by offering in-home health visits. This service allows healthcare professionals to provide care in the comfort of your own home, ensuring convenience and personalized attention.
  • Meal Delivery: Aetna understands the importance of proper nutrition, especially for seniors. That’s why they offer meal delivery services to help you maintain a healthy diet and stay nourished.

With Aetna, you can truly experience the best medicare plan benefits for seniors. Their commitment to providing senior-friendly and affordable medicare plans sets them apart from the competition.

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Blue Cross Blue Shield – Best for Local Support

Blue Cross Blue Shield - Best for Local Support

When it comes to finding a Medicare plan that offers local support, Blue Cross Blue Shield (BCBS) is a top choice. With plans available in 48 states and Puerto Rico, BCBS ensures that seniors across the country have access to affordable and reliable Medicare Advantage coverage.

One of the standout features of BCBS plans is their commitment to providing excellent support for their members. Whether you have questions about your coverage, need assistance navigating the healthcare system, or require guidance on managing a chronic condition, BCBS is there to help.

BCBS plans also offer additional benefits that cater specifically to seniors’ needs. They include features such as chronic condition management programs, which can provide valuable support and resources for individuals with ongoing health issues. Additionally, BCBS plans often offer allowances for over-the-counter items, giving you the flexibility to purchase necessary healthcare products.

It’s important to note that member satisfaction may vary among different BCBS companies. However, the overarching Blue Cross Blue Shield network is known for its wide availability and commitment to local support.

“Blue Cross Blue Shield plans offer affordable options for Medicare Advantage coverage with local support.”

If you value having a Medicare plan that understands your unique needs and provides local assistance, Blue Cross Blue Shield could be the ideal choice for you. Their widespread availability and commitment to affordable and comprehensive coverage make them a reliable option for seniors seeking top-quality Medicare plans.

Take a look at the table below to see an overview of Blue Cross Blue Shield’s key features:

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Key FeaturesAvailabilityBenefitsMember Support
Widely available in 48 states and Puerto RicoExtra benefits for chronic condition management and over-the-counter allowancesLocal support and assistance

Humana – Best for Low-Cost Plan Availability

affordable medicare plans

When it comes to finding affordable Medicare plans with comprehensive coverage, Humana is a standout choice for seniors. With their commitment to providing high-quality healthcare solutions, Humana offers Medicare Advantage plans that prioritize low-cost plan availability.

Humana’s Medicare Advantage plans are available in 49 states, including Washington, D.C., and Puerto Rico, ensuring accessibility for a wide range of individuals. Whether you’re residing on the mainland or in these regions, Humana has you covered.

One of the key advantages of choosing Humana is their impressive track record in providing high-rated plans to their members. With a high percentage of members in top-rated plans, you can rest assured knowing that you’re receiving quality coverage and excellent medical services.

Members’ experiences with Humana plans also consistently rate above average. With a focus on delivering exceptional customer satisfaction, Humana ensures that seniors receive the care and support they deserve.

Humana offers a diverse range of benefits to their members, including comprehensive coverage and high network availability. With their Medicare Advantage plans, you can have peace of mind knowing that you’ll receive the care you need when you need it.

Key Benefits of Humana Medicare Advantage Plans
Low-cost plan availability
Comprehensive coverage options
High network coverage
Above-average member experience ratings

With Humana, affordable Medicare plans with extensive coverage are within reach. Take advantage of their low-cost plan availability and experience the peace of mind that comes with comprehensive healthcare solutions.

Anthem – Best for Special Needs Plans

Anthem Special Needs Plans

Anthem offers a range of Medicare Advantage plans, including special needs plans, designed to cater to individuals with chronic conditions or specific healthcare needs. With a strong commitment to providing personalized care, Anthem ensures that its special needs plans offer targeted benefits and services tailored to the unique requirements of its members.

One of the key advantages of Anthem’s special needs plans is their affordability. These plans come with low premiums and deductibles, making them accessible to seniors seeking affordable Medicare coverage.

In addition to cost-effective options, Anthem’s special needs plans prioritize comprehensive care for individuals with chronic illnesses or specialized healthcare needs. Through these plans, members gain access to a network of healthcare providers who are experienced in managing chronic conditions and delivering specialized treatments.

Moreover, Anthem’s special needs plans provide additional benefits to address specific healthcare requirements. These may include coverage for prescription drugs, dental care, vision care, and transportation to medical appointments, among others.

By offering specialized support and a range of benefits, Anthem’s special needs plans focus on improving the overall well-being and quality of life for individuals with unique healthcare needs.

Kaiser Permanente – Highest Member Satisfaction and Ratings

Kaiser Permanente - Highest Member Satisfaction and Ratings

Kaiser Permanente is known for its commitment to providing comprehensive healthcare services and has consistently earned high member satisfaction and ratings. With plans available in 9 states and Washington, D.C., Kaiser Permanente offers senior-friendly Medicare plans that prioritize the well-being of its members.

As a Health Maintenance Organization (HMO), Kaiser Permanente ensures that seniors have access to a wide range of healthcare services, including preventive care, specialist consultations, hospital stays, and prescription drugs. They focus on delivering comprehensive care in a coordinated manner, promoting the overall health and wellness of their members.

Kaiser Permanente has received the highest ratings from reputable organizations such as the Centers for Medicare and Medicaid Services (CMS) and the National Committee for Quality Assurance (NCQA). These ratings reflect the exceptional quality of care, customer service, and overall member satisfaction provided by Kaiser Permanente.

With their senior-friendly Medicare plans, Kaiser Permanente offers benefits that cater specifically to the needs of seniors, such as preventive screenings, preventive dental care, vision coverage, and fitness programs. Through their comprehensive healthcare approach, Kaiser Permanente ensures that seniors receive the best possible care and support.

If you value high member satisfaction, comprehensive healthcare coverage, and exceptional ratings, Kaiser Permanente is an excellent choice for your Medicare needs.

BenefitDescription
Comprehensive healthcare servicesKaiser Permanente provides a wide range of healthcare services, including preventive care, specialist consultations, hospital stays, and prescription drugs.
Senior-friendly benefitsKaiser Permanente offers benefits tailored to the needs of seniors, such as preventive screenings, preventive dental care, vision coverage, and fitness programs.
High member satisfactionKaiser Permanente consistently earns high member satisfaction ratings, reflecting their commitment to delivering exceptional care and support.
Exceptional ratingsKaiser Permanente has received top ratings from reputable organizations such as the Centers for Medicare and Medicaid Services (CMS) and the National Committee for Quality Assurance (NCQA).

Cigna – Best Customer Service

Cigna Medicare Plan Benefits

Cigna Medicare Advantage plans are known for their exceptional customer service, ensuring that seniors receive the support they need when navigating their healthcare options. With plans available in 26 states, Cigna provides comprehensive and senior-friendly Medicare plans that prioritize the well-being of their members.

One of the standout features of Cigna’s Medicare Advantage plans is their low-cost options. Seniors can enjoy quality coverage without breaking the bank, making Cigna a popular choice for those seeking affordable and reliable healthcare solutions.

What sets Cigna apart is their dedication to customer support and satisfaction. Whether it’s answering queries, resolving concerns, or assisting with claims, Cigna’s friendly and knowledgeable customer service team is readily available to provide assistance every step of the way.

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Cigna’s Medicare Advantage plans also offer a range of additional benefits, including dental and vision coverage. These comprehensive plans ensure that seniors have access to the necessary healthcare services beyond just basic medical care.

Furthermore, Cigna stands out among major insurers with their competitive average premiums and drug deductibles. This affordability combined with their exceptional customer service makes Cigna an excellent choice for seniors seeking comprehensive and cost-effective Medicare coverage.

Key Benefits of Cigna Medicare Advantage Plans:

  • Low-cost options with competitive premiums and drug deductibles
  • Exceptional customer service and support
  • Comprehensive coverage, including dental and vision benefits
  • Availability in 26 states, ensuring accessibility for many seniors

When it comes to finding the best Medicare plan that offers optimal customer service and comprehensive benefits, Cigna stands out as a top choice for seniors seeking reliable and affordable healthcare coverage.

InsurerCustomer ServiceAverage PremiumsDrug Deductibles
CignaExcellentLowest among major insurersLowest among major insurers
UnitedHealthcareAverageCompetitiveCompetitive
AetnaGoodAffordableAffordable

Wellcare – Best Health and Wellness Amenities

When it comes to senior-friendly Medicare plans that prioritize health and wellness, Wellcare stands out as a top choice. With plans available in 36 states, Wellcare offers comprehensive healthcare solutions tailored to the unique needs of seniors.

What sets Wellcare apart is its focus on providing a wide range of health and wellness amenities. These amenities go beyond traditional healthcare coverage, ensuring that seniors have access to the support they need to live a healthy and active lifestyle.

One of the key benefits of Wellcare’s Medicare Advantage plans is the inclusion of telehealth services. Telehealth allows seniors to connect with healthcare providers remotely, saving time and effort while still receiving the necessary medical attention. Whether it’s a virtual doctor visit or remote monitoring, telehealth services provide convenience and peace of mind.

In addition to telehealth, Wellcare offers no-cost health and wellness support to its members. This may include preventative screenings, wellness programs, and resources for managing chronic conditions. By prioritizing overall well-being, Wellcare aims to empower seniors to take control of their health.

Wellcare also provides additional coverage for dental, vision, and hearing care, recognizing the importance of these essential services for seniors’ overall well-being. By offering comprehensive benefits that extend beyond traditional healthcare, Wellcare ensures that seniors have the support they need to maintain their health and quality of life.

Wellcare – Health and Wellness Amenities Overview

Key BenefitsStates Available
Telehealth services36 states
No-cost health and wellness support36 states
Additional coverage for dental, vision, and hearing care36 states

With a strong focus on health and wellness amenities, Wellcare goes above and beyond to provide senior-friendly Medicare plans that prioritize overall well-being. By offering telehealth services, no-cost health and wellness support, and additional coverage for essential services, Wellcare ensures that seniors can lead healthy and fulfilling lives.

AARP – Best for Veterans

AARP offers Medicare Advantage plans that cater specifically to the unique healthcare needs of veterans. These plans, offered through UnitedHealthcare, provide veterans with comprehensive medical coverage and a range of additional benefits.

With high Medicare star ratings, AARP plans ensure that veterans receive top-notch healthcare services. They go beyond the standard benefits provided by Original Medicare and offer additional coverage for dental, vision, and more.

AARP understands the importance of senior-friendly medicare plans. Their veteran-friendly medicare plans are designed to meet the specific needs of veterans, providing them with the care and support they deserve.

As an organization committed to promoting the well-being of seniors, AARP strives to offer the best medicare plan benefits to its members. Their comprehensive medicare plans for seniors ensure that veterans have access to quality healthcare services and the specialized care they may require.

By choosing AARP’s veteran-friendly medicare plans, veterans can enjoy peace of mind knowing that their healthcare needs are covered.

BenefitsDetails
Comprehensive Medical CoverageAARP’s Medicare Advantage plans offer extensive coverage, including hospital stays, doctor visits, prescription drugs, and more.
Dental and Vision CoverageAARP plans provide additional benefits for dental and vision care, ensuring veterans receive essential services for optimal health.
Wide Network of ProvidersWith UnitedHealthcare’s extensive network, veterans can choose from a wide range of healthcare providers, giving them flexibility and access to quality care.
Personalized Care and SupportAARP’s veteran-friendly plans prioritize personalized care, ensuring veterans receive the attention and support they need for their specific healthcare requirements.

When it comes to veteran-friendly medicare plans, AARP stands out as a trusted provider, offering comprehensive coverage and a commitment to meeting the healthcare needs of veterans.

UnitedHealthcare – Best for Telemedicine Care

When it comes to Medicare Advantage plans, UnitedHealthcare stands out as the best choice for telemedicine care. Seniors can now access virtual doctor visits and telehealth services, bringing quality medical care directly to their homes. This innovative approach to healthcare allows seniors to conveniently consult with healthcare professionals and receive necessary treatments without leaving their residences.

UnitedHealthcare’s commitment to telemedicine reflects their dedication to providing accessible and senior-friendly Medicare plans. By leveraging telemedicine technology, they ensure that seniors can receive the care they need, even in remote areas where access to medical facilities might be limited. This convenience is especially beneficial for seniors with mobility issues or those living in rural communities.

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Moreover, UnitedHealthcare’s Medicare Advantage plans go beyond telemedicine care and offer comprehensive benefits. These plans include coverage for dental, vision, and hearing care, ensuring seniors have access to the healthcare services they require for their overall well-being.

Benefits of UnitedHealthcare’s Medicare Advantage Plans:

  • Telemedicine care for virtual doctor visits and telehealth services
  • Comprehensive coverage for dental, vision, and hearing care
  • Senior-friendly approach to healthcare
  • Access to a wide network of healthcare providers
  • Flexible plan options tailored to individual needs

With UnitedHealthcare, seniors can have peace of mind knowing that their healthcare needs are prioritized. By combining the convenience of telemedicine with comprehensive coverage, UnitedHealthcare’s Medicare Advantage plans offer a holistic approach to healthcare for seniors.

Conclusion

Choosing the best Medicare plan for seniors requires careful consideration of coverage, benefits, and affordability. In 2023, the top Medicare Advantage plans for seniors include UnitedHealthcare, Aetna, Blue Cross Blue Shield, Humana, and Anthem. These plans offer a range of benefits and features that cater to the unique healthcare needs of seniors.

When evaluating your options, it’s important to assess factors such as network size, extra perks, local support, and cost. UnitedHealthcare stands out for its extensive network coverage, while Aetna offers a variety of extra benefits. Blue Cross Blue Shield provides local support and affordability, and Humana offers low-cost plan availability with comprehensive coverage. Anthem specializes in special needs plans, and Kaiser Permanente excels in member satisfaction and ratings.

Consider your healthcare needs and preferences before making a decision. Take into account the benefits and features offered by each plan, ensuring they align with your desired coverage. Whether you prioritize affordability, a wide network, special needs coverage, or comprehensive benefits, there is a Medicare Advantage plan that can best meet your needs. Take advantage of the available options and find the plan that provides you with the most value and peace of mind.

FAQ

What are Medicare Advantage plans?

Medicare Advantage plans, also known as Medicare Part C, are an alternative to Original Medicare and are offered by private insurers. These plans provide additional benefits such as dental and vision care.

What are the best Medicare Advantage plans for seniors in 2023?

Our top picks for the best Medicare Advantage plans for seniors in 2023 include UnitedHealthcare, Aetna, Blue Cross Blue Shield, Humana, Anthem, Kaiser Permanente, Cigna, Wellcare, AARP, and UnitedHealthcare (telemedicine care).

Why is UnitedHealthcare a top pick for seniors?

UnitedHealthcare offers the largest Medicare Advantage network with over 1 million providers, dental coverage, and a wide range of options in 49 states and Washington, D.C.

What makes Aetna a good choice for seniors?

Aetna Medicare Advantage plans offer extra benefits like dental, vision, and hearing care, in-home health visits, and meal delivery. They have high member experience scores and offer $0-premium plans to many beneficiaries.

Why is Blue Cross Blue Shield a good option for seniors?

Blue Cross Blue Shield plans are widely available and offer affordable options for Medicare Advantage coverage in 48 states and Puerto Rico. They also provide extra benefits like chronic condition management and over-the-counter allowances.

What makes Humana a top choice for seniors?

Humana offers Medicare Advantage plans with low-cost plan availability, high member ratings, and a wide range of benefits including high network coverage and comprehensive plan options in 49 states, Washington, D.C., and Puerto Rico.

Why is Anthem a good choice for seniors with specific healthcare needs?

Anthem offers Medicare Advantage plans, including special needs plans, for individuals with chronic conditions or specific healthcare needs. They have plans available in 14 states and offer low premiums, deductibles, and personalized care.

What makes Kaiser Permanente stand out for seniors?

Kaiser Permanente has high member satisfaction and ratings, offers comprehensive healthcare services, and has the highest ratings from CMS and NCQA. They have plans available in 9 states and Washington, D.C.

Why is Cigna known for its customer service?

Cigna Medicare Advantage plans offer a high level of customer service, low-cost options, and the lowest average premiums and drug deductibles among major insurers. They have plans available in 26 states.

What health and wellness amenities does Wellcare offer?

Wellcare offers Medicare Advantage plans that focus on health and wellness amenities, including telehealth services, no-cost health and wellness support, and additional coverage for dental, vision, and hearing care in 36 states.

Why are AARP Medicare Advantage plans beneficial for veterans?

AARP offers Medicare Advantage plans through UnitedHealthcare that provide access to a wide range of healthcare services. These plans have high Medicare star ratings, additional benefits like dental and vision coverage, and are designed to meet the unique needs of veterans.

What telemedicine care does UnitedHealthcare offer?

UnitedHealthcare offers Medicare Advantage plans that prioritize telemedicine care, providing access to virtual doctor visits and telehealth services. These plans also offer comprehensive benefits, including dental, vision, and hearing coverage.

How should I choose the best Medicare plan for seniors?

When selecting the best Medicare plan for seniors, consider factors such as coverage, benefits, affordability, network size, extra perks, local support, and your healthcare needs and preferences.

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