To help you navigate these options and find the best plan for your needs, we’ve teamed up with Chapter to provide personalized, 1-1 guidance.


Choosing the right Medicare Advantage plan can feel overwhelming, especially with the multitude of options available. However, understanding the ratings and reviews of these plans can make the decision easier. Medicare Advantage plan ratings offer valuable insights into the quality and performance of different plans, helping you make an informed choice that best suits your needs.

What Are Medicare Advantage Plan Ratings?

Medicare Advantage plans, also known as Medicare Part C, are rated annually by the Centers for Medicare & Medicaid Services (CMS). These ratings are based on a 5-star system, with one star being the lowest and five stars being the highest. The ratings are designed to measure the quality of care and customer service that each plan provides. Learn more about how Medicare Advantage plans are rated. Medicare updates these ratings each fall for the following year, and they can change annually.

The star ratings are based on various factors, including:

  • Customer Service: How well does the plan handle member inquiries and complaints? Are they resolving issues promptly and satisfactorily?
  • Member Experience: How do members feel about the plan? Are they satisfied with the services and care provided?
  • Health Outcomes: How well does the plan help members stay healthy? This includes screenings, vaccines, and managing chronic conditions.
  • Drug Plan Performance: For plans that include prescription drug coverage, how well does the plan manage members' medications and provide necessary support?

Why Do These Ratings Matter?

Medicare Advantage plan ratings are crucial because they provide a snapshot of how well a plan performs in key areas. A plan with a higher rating is generally a better option because it indicates better service, higher satisfaction among members, and more effective health management. On the other hand, a plan with a lower rating may signal issues with customer service, member care, or overall effectiveness. Understand the importance of Medicare star ratings.

Plans with less than 3 stars for 3 consecutive years may be removed from the Medicare program. Moreover, CMS provides financial incentives to plans that achieve high ratings, which can lead to better services and benefits for you as a member. Plans with 5-star ratings also have special enrollment periods, allowing you to switch to a top-rated plan outside the usual enrollment windows. Learn more about the Special Enrollment Period for 5-star plans.

Understanding Plan Reviews

In addition to ratings, plan reviews are another valuable resource when choosing a Medicare Advantage plan. Reviews are typically written by current or former members and can offer a real-world perspective on the plan's strengths and weaknesses. While ratings provide a broad overview, reviews can give you detailed insights into specific experiences with the plan.

When reading reviews, consider the following:

  • Consistency: Are the comments consistently positive or negative? A single negative review may not be significant, but multiple similar complaints could be a red flag.
  • Specific Issues: Look for recurring themes, such as difficulties with customer service, problems with accessing care, or billing issues.
  • Reviewer Background: Keep in mind that individuals' health needs and expectations can vary. A plan that works well for someone with minimal health needs might not be as suitable for someone with more complex medical conditions.


To help you navigate these options and find the best plan for your needs, we’ve teamed up with Chapter to provide personalized, 1-1 guidance.


How to Use This Information

When selecting a Medicare Advantage plan, start by reviewing the star ratings to identify the top-performing plans in your area. Then, dive into the reviews to get a sense of what actual members are saying. This combination of data-driven ratings and personal experiences will help you make a more informed decision.

If you find a plan with high ratings and positive reviews, it’s likely a solid choice. However, if the plan has mixed reviews, weigh the pros and cons carefully. Consider your own healthcare needs, preferences, and the specific issues raised in the reviews.

Finally, remember that your health needs can change over time, so it’s a good idea to review your Medicare Advantage plan each year during the open enrollment period. This ensures that you continue to have the coverage that best meets your needs. Learn more about open enrollment and your Medicare options.

Choosing the right Medicare Advantage plan is essential for your health and peace of mind. If you want to learn more about Medicare Advantage plans and how to choose the best one for you, consider taking a Medicare class on GetSetUp. Our classes provide valuable insights and guidance to help you navigate your Medicare options with confidence.

Reviewed By: Keith Gilbert