Discovering Maryland’s Elite Medicare Advantage Plans for 2025
You might be wondering, what are the top-rated Medicare Advantage plans in Maryland for 2025? Look no further than UnitedHealthcare and Humana. These two powerhouses are at the forefront of Maryland’s Medicare Advantage landscape, with UnitedHealthcare boasting the only 5-star rated offering in the state.
Humana, not too far behind, carries a 4.5-star CMS rating for its high-quality Medicare Advantage plans.
But what makes these plans stand out? Key factors like customer satisfaction, coverage quality, and additional benefits such as dental and vision play a pivotal role in their high ratings.
However, remember that the best plan for you is the one that aligns with your healthcare needs and budget. Thus, it’s beneficial to evaluate different Medicare Advantage plans considering the CMS Star Ratings, a vital metric for assessing plans’ quality and performance, with five-star plans being the most sought after.
Finding the best plan might seem like looking for a needle in a haystack, but it doesn’t have to be. The Medicare.gov’s plan finder tool is a handy resource. Here’s how to use it:
- Input your ZIP code to find Medicare Advantage plans in your region.
- Look for the CMS star ratings for each plan. These ratings indicate the quality and performance of the plan.
- Compare the plans based on their coverage, costs, and star ratings.
- Make an educated choice about your health coverage.
This tool makes it easier than ever to compare plans and make an educated choice about your health coverage.
Navigating the Landscape of Medicare Advantage Plans in Maryland
So, you’ve decided to enroll in a Medicare Advantage plan. But what type should you choose?
In Maryland, the common types of Medicare Advantage Plans include Medicare Advantage HMO and Preferred Provider Organizations (PPOs). Making an informed choice between these two types of plans involves understanding their costs, provider networks, and coverage flexibility.
HMOs are typically more affordable and require in-network doctor visits and referrals for specialists. On the other hand, PPO plans offer benefits like using in-network providers at a lower cost, not requiring a primary care doctor, and allowing access to out-of-network providers at a higher cost without needing referrals for specialists.
Bear in mind, PPO members enjoy the flexibility of accessing emergency and urgent care from any provider, albeit typically at the cost of an additional monthly premium atop their Medicare Part B premium.
Despite PPOs’ increased flexibility, it’s vital to verify coverage before availing services from out-of-network providers to be certain that treatments are covered and medically necessary.
Some specific services like chemotherapy, dialysis, and skilled nursing care are capped at the same cost as Original Medicare in PPO plans, with a 90-day transition period when switching plans.
Excellence in Health Coverage: Maryland’s Premier Medicare Advantage Providers
Now that you’re familiar with the types of Medicare Advantage plans, let’s delve into Maryland’s premier Medicare Advantage providers.
UnitedHealthcare leads the pack with the best Medicare Advantage plans in the state, boasting a 5-star rating from CMS for 2025. But that’s not all. UnitedHealthcare offers a variety of high-quality plans, including the Erickson Advantage Liberty with a 5-star rating and no monthly premium.
Some elite options for Medicare Advantage coverage in Maryland include:
- Humana, which has a 4.5-star rating from CMS
- Johns Hopkins Advantage MD, which has a robust provider network comprising over 10,000 Maryland providers and has been a trusted name in community healthcare for over 125 years
With these options, Maryland residents have a plethora of choices for their Medicare Advantage coverage.
Of course, UnitedHealthcare, Humana, and Johns Hopkins Advantage MD are not the only medicare advantage companies contributing to the diverse range of Medicare Advantage options in Maryland. Other providers like Alterwood Advantage, Communicare Advantage, and Johns Hopkins Health Plans also offer competitive Medicare Advantage plans.