Medicare Advantage Plans 2025

Are you ready for the changes coming to Medicare Advantage plans in 2025?

With new market entrants, expanded coverage, and additional benefits, understanding these changes is crucial for selecting the right plan.

In this comprehensive guide, we’ll walk you through the landscape of Medicare Advantage Plans 2025, helping you make the most informed decision for your healthcare needs.


Key Takeaways



  • Maximize your plan by taking advantage of preventive services and choosing an appropriate provider network.




The Best Medicare Advantage Plans in 2025

In 2025 the best Medicare Advantage Plans for you may be offered from:

  • Aetna
  • Humana
  • UnitedHealthcare
  • BCBS
  • Kaiser

The best Medicare Advantage plans are ones that fit your own needs and budget. Humana, Aetna, and UnitedHealthcare often have a large percentage of enrollees each year in many states due to their large offering of plans, some with additional benefits included such as dental, hearing, vision, and prescription drug coverage.

Understanding the 2025 Medicare Advantage Landscape


Compare Medicare advantage plans for 2025


As 2025 unfolds, the Medicare Advantage landscape is expected to experience changes such as shifts in market participants, broader coverage, and extra benefits. For Medicare consumers, staying updated with these changes is advised. The total number of Medicare Advantage plans available for individual enrollment in 2025 reaches 3,959, each with a Medicare contract.

Approximately 31 million Medicare beneficiaries are enrolled in a Medicare Advantage plan in 2024. With Medicare Advantage plans projected to cover 89% of Medicare beneficiaries in 2025, it’s crucial to understand the changes and how they may affect your coverage options.


In 2025, Medicare Advantage plans will see improvements in the following areas:

  • Mental health coverage
  • Support for cultural and language diversity
  • Digital health education
  • Reduced delays in care


For instance, Medicare Advantage plans will include coverage for chronic pain treatment.

Also, the expected standard Medicare Part B premium monthly cost is $174.70, an increase of $9.80 (or 5.9%) from 2023. Remembering these changes when selecting a Medicare Advantage plan for 2025 is advised.


Navigating Plan Selection

When choosing a Medicare Advantage plan for 2025, it’s recommended to evaluate costs and coverage and verify that the plan aligns with your healthcare needs and budget. When comparing Medicare Advantage plans, consider the following:

  • Coverage
  • Network
  • Costs
  • Prescription Drug Coverage
  • Additional Benefits


Utilize the Medicare Plan Finder tool on or other online comparison tools to compare plan benefits, Medicare Advantage prescription drug coverage, and costs.

Taking into account these factors will assist in efficiently selecting a plan that best aligns with your needs.

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Types of Medicare Advantage Plans in 2025

Medicare Advantage plans come in several types, each with its unique structure and benefits.

Understanding these differences in Medicare Part C is key to choosing the plan that best fits your healthcare needs.


HMO plansHealth Maintenance Organizations (HMOs)

HMO plans require beneficiaries to use healthcare providers within a specified network and typically need referrals to see specialists.

These plans focus on integrated care and preventive services to keep members healthy.



PPO PlansPreferred Provider Organizations (PPOs)

Medicare Advantage PPO plans offer more flexibility, allowing members to see providers inside or outside their network.

Out-of-network services are usually covered at a higher cost, providing a balance between flexibility and cost.


PFFS plansPrivate Fee-for-Service (PFFS) Plans

PFFS plans allow members to see any Medicare-approved doctor or hospital that accepts the plan’s payment terms.

These plans offer flexibility without the need for a provider network.


SNP plansSpecial Needs Plans (SNPs)

SNPs cater to specific groups of people, including those with certain chronic conditions, those living in institutions, or those eligible for both Medicare and Medicaid.

These plans tailor benefits, provider choices, and drug formularies to meet the specific needs of their members.


Medicare Medical Savings Account (MSA) Plans

MSA plans combine a high-deductible health plan with a medical savings account. Medicare deposits funds into the account, which can be used to pay for healthcare services.



The Benefits of Enrolling in a Medicare Advantage Plan in 2025


Humana Medicare Advantage plasn 2025


Medicare Advantage plans may offer extra coverage beyond Original Medicare, including:


These plans are required to provide the same coverage as Original Medicare, excluding hospice care.

Enrollment in a Medicare Advantage plan, offered by a Medicare Advantage organization, provides access to expanded Medicare coverage and additional benefits tailored to your healthcare needs.


Extra Coverage Under Medicare Advantage

Extra coverage options in Medicare Advantage plans can vary, with some offering telehealth services and additional benefits without a premium increase. Dental benefits can vary significantly. For example, they may include cleanings and preventive care, as well as more comprehensive Medicare coverage options. Typically, these plans are subject to an annual limit on the amount covered.

In 2025, Medicare Advantage plans will also provide coverage for vision, hearing, and dental services that are not included in Original Medicare.


Comparing Costs: Premiums and Out-of-Pocket Maximums

Comparing costs is essential when choosing a Medicare Advantage plan. Consider the following factors:

  • Premiums
  • Deductibles
  • Copayments
  • Out-of-pocket maximums


In 2025, the projected average monthly plan premium among all Medicare Advantage enrollees is $18.50, while the average out-of-pocket maximum for Medicare Advantage Plans is estimated to be $8,850 for approved services.

Examining these factors aids in making a knowledgeable decision about the plan that offers the best value for your healthcare needs.


Eligibility and Enrollment: Getting Started with Medicare Advantage in 2025

Eligibility for Medicare Advantage plans depends on enrollment periods, such as the Initial Enrollment Period (IEP) or Annual Enrollment Period (AEP). Understanding these periods and acting during the suitable enrollment windows helps secure your coverage.


Medicare Advantage open enrollment period


First-Time Enrollees: What You Need to Know

For first-time enrollees, the IEP is a crucial opportunity to enroll in a Medicare Advantage plan. This 7-month window typically commences 3 months before the month of your 65th birthday, includes the month of your 65th birthday, and concludes 3 months after your 65th birthday.

Enrollment during your IEP guarantees prompt coverage and helps avoid possible penalties related to late enrollment.


Contract Renewal and Switching Plans

Contract renewal and switching Medicare Advantage plans can occur during the AEP, which runs from October 15 to December 7 each year. To ensure a smooth transition, carefully review your current plan, research other plans, compare the options, enroll in a new plan, and disenroll from your current plan.

Staying updated and proactive helps optimize your Medicare Advantage coverage.


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Prescription Drug Coverage in 2025: What’s New?


Medicare Part D plans 2025


Prescription drug coverage in 2025 will see changes in premiums, deductibles, and access to medications. The projected average monthly premium for a Medicare Part D prescription drug plan in 2025 is $55.50.

Understanding these changes and their potential impact on your prescription drug coverage can help manage your healthcare costs, especially when it comes to prescription drugs.


Managing Medications: Formularies and Tiered Pricing

Formularies and tiered pricing can affect medication costs, so it’s essential to review these factors when selecting a Medicare Advantage plan.

Here are some key points to consider:

  • Tiered pricing categorizes drugs into various tiers on the formulary, with each tier having a distinct cost.
  • The exact pricing for each tier is decided by the plan and can vary.
  • Understanding these factors becomes important when managing your medication costs.

Access to Medications: Network Pharmacies and Mail-Order Options

Network pharmacies and mail-order options can impact access to medications. Medicare Advantage plans with prescription drug coverage offer the option to use mail-order pharmacies for convenience and potential cost savings. Copayments for prescriptions filled through mail-order may be lower than those filled at a retail pharmacy, making mail-order options an attractive choice for managing medication costs and access.


Staying Connected: Telehealth Services in Medicare Advantage Plans


Medicare telehealth in 2025


Telehealth services in Medicare Advantage plans are expanding, but limitations still exist. In 2025, Medicare Advantage plans will provide coverage for intensive outpatient program services for mental health care, as well as telepsychiatry and tele-stroke services. However, coverage may dwindle after 2025, particularly in non-rural areas.


Telehealth Expansion and Limitations

Telehealth expansion includes better access to mental health services, though coverage may decrease after 2025, especially in non-rural areas. Comprehending the limitations of telehealth services in Medicare Advantage plans is important when choosing a plan that aligns with your healthcare needs.

As telehealth continues to evolve, staying informed about these changes will help you make the most of your Medicare Advantage plan.


Collaborating for Your Health: Medicare Advantage and State Medicaid Programs



Medicare Advantage HMOs vs PPOs



Medicare Advantage plans can coordinate with the state Medicaid program for dual-eligible beneficiaries. Being dual-eligible for Medicare and Medicaid indicates that an individual is qualified to receive coverage from both programs, offering numerous advantages and help with healthcare expenses.


Understanding Dual Eligibility

Dual eligibility refers to individuals who qualify for both Medicare and Medicaid, which can provide additional financial assistance and benefits. To be dually eligible for Medicare and Medicaid, one must meet the eligibility criteria for both programs and be enrolled in both.

Dual eligibility can provide significant cost savings and additional assistance for healthcare expenses.


Navigating Coordination of Benefits

Coordination of benefits involves understanding how Medicare and Medicaid work together to cover healthcare costs and services. For dual-eligible beneficiaries, Medicare is the primary health insurance provider, with additional assistance from Medicaid also available.

Understanding the coordination of benefits process allows you to optimize your healthcare coverage and limit out-of-pocket costs.


How to Maximize Your Medicare Advantage Plan for 2025

Maximizing your Medicare Advantage plan involves utilizing preventive and wellness services and choosing the right provider network. These strategies can help you make the most of your Medicare Advantage coverage, ensuring that you receive the best possible care at the lowest possible cost.



Utilizing Preventive and Wellness Services

Preventive and wellness services can help maintain overall health and detect potential health issues early. Medicare Advantage plans cover a range of preventive and wellness services, including Medicaid services, such as:

  • Screenings
  • Counseling
  • Shots
  • Other preventive care measures


These services are designed to help maintain your health.

Taking advantage of these services allows you to manage your health proactively and potentially avoid severe health issues in the future.



Choosing the Right Provider Network

Choosing the right provider network ensures access to quality care and can help manage out-of-pocket costs. A robust provider network not only offers a diverse range of healthcare providers but also facilitates coordinated care and continuity of care, ultimately improving your healthcare experience and outcomes.




In conclusion, understanding the 2025 Medicare Advantage landscape and the changes it brings is crucial for selecting the right plan for your healthcare needs. By considering factors such as coverage, cost, and provider networks, and taking advantage of the benefits offered by Medicare Advantage plans, you can make an informed decision that maximizes your healthcare coverage and minimizes out-of-pocket costs.


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Frequently Asked Questions


What is the best Medicare Advantage plan for 2025?

For the best Medicare Advantage plan for 2025, Humana is certainly one of the recommended choices due to its high ratings, customer satisfaction, large availability of plans, and numerous $0-per-month options.  That being said, plans & coverage vary by area and company. There are many options that offer comprehensive coverage from several different companies.

Enter your zip code on this page to begin comparing plans in your area.


What are the proposed changes to Medicare in 2025?

In 2024, the standard monthly premium for Medicare Part B will increase to $174.70, an increase of $9.80 from 2023, and the annual deductible for all Medicare Part B beneficiaries will be $240, an increase of $14 from 2023. All of these amounts will likely change for 2025, so keep checking back.


What are Medicare Advantage Plans?

Medicare Advantage Plans, also known as Medicare Part C, are an alternative way to receive Medicare benefits. These plans are offered by private insurance companies approved by Medicare. They provide all Part A (Hospital Insurance) and Part B (Medical Insurance) coverage and may offer additional benefits such as dental, vision, hearing, and prescription drug coverage.


How do Medicare Advantage Plans differ from Original Medicare?

The main difference between Medicare Advantage Plans and Original Medicare (Part A and B) is how services are covered and costs are shared. Medicare Advantage Plans often come with network restrictions, meaning beneficiaries must see doctors and use hospitals within the plan’s network. Additionally, these plans may offer extra benefits not covered by Original Medicare, like routine vision or dental care, and typically include prescription drug coverage (similar to Medicare Part D). Medicare Advantage plans also differ from Medicare Supplement plans.


Can anyone with Medicare join a Medicare Advantage Plan?

Most individuals who have Medicare Parts A and B are eligible to join a Medicare Advantage Plan, but there are exceptions. For instance, people with End-Stage Renal Disease (ESRD) may have limited options, although there are now some Medicare Advantage Plans specifically designed for people with ESRD.


What are the costs associated with Medicare Advantage Plans?

Costs in Medicare Advantage Plans vary and may include monthly premiums (some plans have $0 premiums), deductibles, copayments, and coinsurance. These costs are in addition to the Part B premium. The plan sets these costs, which can change each year. Some plans also cap your annual out-of-pocket expenses, providing financial protection against high medical costs.


How do beneficiaries choose a Medicare Advantage Plan?

Beneficiaries can compare plans based on several factors, including cost, coverage, network of providers, and available extra benefits. They should consider their healthcare needs, including how often they visit healthcare providers, their prescription medications, and any routine services they use.

Beneficiaries can use this website to compare plans in their area and enroll online during designated enrollment periods.


What changes can I expect in the 2025 Medicare Advantage landscape?

In 2025, the Medicare Advantage landscape will see new market entrants and exits, expanded coverage, and additional benefits, so staying informed about these changes when selecting a plan is essential.


What is Durable Medical Equipment (DME)?

Durable Medical Equipment (DME) refers to specialized, reusable medical devices designed to provide therapeutic benefits or assist individuals in managing certain health conditions. Examples include wheelchairs, crutches, and hospital beds.


What is a Medicare Flex Card?

A Medicare Flex Card is a payment card that provides a convenient and flexible way for Medicare beneficiaries to access their healthcare funds. It’s designed to streamline the process of paying for eligible medical expenses.

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