Medicare Ratings Guide

Author: Dr. Patricia Chen

  • Medicare Advantage Plans in Iowa 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Iowa: 2026 At a Glance

    Total MA Plans Available 28
    Average Monthly Premium $7.20/month
    Average CMS Star Rating 3.8 / 5.0 stars
    Part D Plans (standalone) 22
    Medicare Beneficiaries in State 720,000

    How Medicare Advantage Works in Iowa

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Iowa, there are 28 Medicare Advantage plans available, with an average CMS star rating of 3.8 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Iowa Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Iowa is rated 3.8 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Iowa

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Iowa

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Iowa

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $7.20/month (average in Iowa)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 3.8 stars in Iowa

    How to Choose a Medicare Advantage Plan in Iowa

    When comparing Medicare Advantage plans in Iowa, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 28 plans available in your ZIP code.

  • Medicare Advantage Plans in Indiana 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Indiana: 2026 At a Glance

    Total MA Plans Available 42
    Average Monthly Premium $8.40/month
    Average CMS Star Rating 3.9 / 5.0 stars
    Part D Plans (standalone) 24
    Medicare Beneficiaries in State 1,380,000

    How Medicare Advantage Works in Indiana

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Indiana, there are 42 Medicare Advantage plans available, with an average CMS star rating of 3.9 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Indiana Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Indiana is rated 3.9 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Indiana

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Indiana

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Indiana

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $8.40/month (average in Indiana)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 3.9 stars in Indiana

    How to Choose a Medicare Advantage Plan in Indiana

    When comparing Medicare Advantage plans in Indiana, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 42 plans available in your ZIP code.

  • Medicare Advantage Plans in Illinois 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Illinois: 2026 At a Glance

    Total MA Plans Available 58
    Average Monthly Premium $10.80/month
    Average CMS Star Rating 4.0 / 5.0 stars
    Part D Plans (standalone) 26
    Medicare Beneficiaries in State 2,480,000

    How Medicare Advantage Works in Illinois

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Illinois, there are 58 Medicare Advantage plans available, with an average CMS star rating of 4.0 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Illinois Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Illinois is rated 4.0 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Illinois

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Illinois

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Illinois

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $10.80/month (average in Illinois)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 4.0 stars in Illinois

    How to Choose a Medicare Advantage Plan in Illinois

    When comparing Medicare Advantage plans in Illinois, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 58 plans available in your ZIP code.

  • Medicare Advantage Plans in Idaho 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Idaho: 2026 At a Glance

    Total MA Plans Available 16
    Average Monthly Premium $5.20/month
    Average CMS Star Rating 3.7 / 5.0 stars
    Part D Plans (standalone) 21
    Medicare Beneficiaries in State 340,000

    How Medicare Advantage Works in Idaho

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Idaho, there are 16 Medicare Advantage plans available, with an average CMS star rating of 3.7 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Idaho Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Idaho is rated 3.7 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Idaho

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Idaho

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Idaho

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $5.20/month (average in Idaho)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 3.7 stars in Idaho

    How to Choose a Medicare Advantage Plan in Idaho

    When comparing Medicare Advantage plans in Idaho, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 16 plans available in your ZIP code.

  • Medicare Advantage Plans in Hawaii 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Hawaii: 2026 At a Glance

    Total MA Plans Available 12
    Average Monthly Premium $0/month
    Average CMS Star Rating 4.3 / 5.0 stars
    Part D Plans (standalone) 19
    Medicare Beneficiaries in State 290,000

    How Medicare Advantage Works in Hawaii

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Hawaii, there are 12 Medicare Advantage plans available, with an average CMS star rating of 4.3 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Hawaii Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Hawaii is rated 4.3 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Hawaii

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Hawaii

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Hawaii

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $0/month (average in Hawaii)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 4.3 stars in Hawaii

    How to Choose a Medicare Advantage Plan in Hawaii

    When comparing Medicare Advantage plans in Hawaii, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 12 plans available in your ZIP code.

  • Medicare Advantage Plans in Georgia 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Georgia: 2026 At a Glance

    Total MA Plans Available 48
    Average Monthly Premium $9.60/month
    Average CMS Star Rating 3.8 / 5.0 stars
    Part D Plans (standalone) 25
    Medicare Beneficiaries in State 1,840,000

    How Medicare Advantage Works in Georgia

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Georgia, there are 48 Medicare Advantage plans available, with an average CMS star rating of 3.8 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Georgia Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Georgia is rated 3.8 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Georgia

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Georgia

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Georgia

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $9.60/month (average in Georgia)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 3.8 stars in Georgia

    How to Choose a Medicare Advantage Plan in Georgia

    When comparing Medicare Advantage plans in Georgia, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 48 plans available in your ZIP code.

  • Medicare Advantage Plans in Florida 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Florida: 2026 At a Glance

    Total MA Plans Available 112
    Average Monthly Premium $7.80/month
    Average CMS Star Rating 3.9 / 5.0 stars
    Part D Plans (standalone) 29
    Medicare Beneficiaries in State 4,900,000

    How Medicare Advantage Works in Florida

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Florida, there are 112 Medicare Advantage plans available, with an average CMS star rating of 3.9 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Florida Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Florida is rated 3.9 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Florida

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Florida

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Florida

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $7.80/month (average in Florida)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 3.9 stars in Florida

    How to Choose a Medicare Advantage Plan in Florida

    When comparing Medicare Advantage plans in Florida, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 112 plans available in your ZIP code.

  • Medicare Advantage Plans in Delaware 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Delaware: 2026 At a Glance

    Total MA Plans Available 18
    Average Monthly Premium $11.40/month
    Average CMS Star Rating 3.9 / 5.0 stars
    Part D Plans (standalone) 20
    Medicare Beneficiaries in State 210,000

    How Medicare Advantage Works in Delaware

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Delaware, there are 18 Medicare Advantage plans available, with an average CMS star rating of 3.9 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Delaware Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Delaware is rated 3.9 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Delaware

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Delaware

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Delaware

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $11.40/month (average in Delaware)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 3.9 stars in Delaware

    How to Choose a Medicare Advantage Plan in Delaware

    When comparing Medicare Advantage plans in Delaware, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 18 plans available in your ZIP code.

  • Medicare Advantage Plans in Connecticut 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Connecticut: 2026 At a Glance

    Total MA Plans Available 22
    Average Monthly Premium $14.20/month
    Average CMS Star Rating 4.1 / 5.0 stars
    Part D Plans (standalone) 21
    Medicare Beneficiaries in State 720,000

    How Medicare Advantage Works in Connecticut

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Connecticut, there are 22 Medicare Advantage plans available, with an average CMS star rating of 4.1 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Connecticut Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Connecticut is rated 4.1 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Connecticut

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Connecticut

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Connecticut

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $14.20/month (average in Connecticut)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 4.1 stars in Connecticut

    How to Choose a Medicare Advantage Plan in Connecticut

    When comparing Medicare Advantage plans in Connecticut, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 22 plans available in your ZIP code.

  • Medicare Advantage Plans in Colorado 2026: Ratings, Costs & Best Plans

    Medicare Advantage in Colorado: 2026 At a Glance

    Total MA Plans Available 38
    Average Monthly Premium $9.10/month
    Average CMS Star Rating 4.0 / 5.0 stars
    Part D Plans (standalone) 24
    Medicare Beneficiaries in State 920,000

    How Medicare Advantage Works in Colorado

    Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurers approved by CMS. In Colorado, there are 38 Medicare Advantage plans available, with an average CMS star rating of 4.0 out of 5.0. Unlike Original Medicare, most MA plans include prescription drug coverage (MAPD), dental, vision, and hearing benefits, often at a lower out-of-pocket cost for people who stay in-network.

    CMS Star Ratings for Colorado Medicare Advantage Plans

    CMS evaluates every Medicare Advantage plan annually on 40+ quality measures and assigns a star rating from 1 to 5. Plans rated 4 stars or higher receive quality bonus payments, which insurers typically pass on to enrollees through lower premiums or richer benefits. The average MA plan in Colorado is rated 4.0 stars.

    What CMS Star Ratings Measure

    Category Weight Examples
    Managing Chronic Conditions High Diabetes control, blood pressure management, cholesterol screening
    Member Experience High Getting needed care, getting appointments, customer service
    Preventive Care Medium Flu shots, cancer screenings, medication adherence
    Health Plan Administration Medium Appeals decisions, call center performance
    Drug Plan Quality (if MAPD) Medium Drug pricing accuracy, formulary accuracy

    Types of Medicare Advantage Plans in Colorado

    Plan Type Network Referrals Required Out-of-Network Coverage
    HMO (Health Maintenance Organization) Restricted network Yes (for specialists) Emergency only
    PPO (Preferred Provider Organization) Preferred + out-of-network No Yes (higher cost)
    PFFS (Private Fee-for-Service) Any provider accepting plan terms No Yes (if provider accepts)
    SNP (Special Needs Plan) Varies Varies Limited

    2026 Medicare Advantage Enrollment Periods in Colorado

    Period Dates What You Can Do
    Annual Enrollment Period (AEP) Oct 15 – Dec 7 Switch plans, join, or drop MA
    Medicare Advantage Open Enrollment Jan 1 – Mar 31 Switch MA plans or return to Original Medicare
    Initial Enrollment Period 3 months before to 3 months after turning 65 First-time enrollment
    Special Enrollment Period Varies by qualifying event Moving, losing other coverage, etc.

    Medicare Advantage vs. Original Medicare in Colorado

    Feature Original Medicare Medicare Advantage
    Monthly premium Part B: $185/month (2026) $9.10/month (average in Colorado)
    Annual out-of-pocket max No limit Capped (varies by plan)
    Prescription drugs Separate Part D plan required Usually included (MAPD)
    Dental/vision/hearing Not covered Usually included
    Provider choice Any Medicare provider nationwide Network restrictions apply
    Prior authorization Rarely required Common for specialist visits and procedures
    Star rating N/A Average 4.0 stars in Colorado

    How to Choose a Medicare Advantage Plan in Colorado

    When comparing Medicare Advantage plans in Colorado, prioritize these factors in order: (1) whether your current doctors and preferred hospitals are in-network, (2) whether your current prescriptions are on the plan formulary at a reasonable tier, (3) the plan’s CMS star rating — aim for 4 stars or higher, (4) the annual out-of-pocket maximum, and (5) any extra benefits like dental or vision that you’ll actually use. Use the Medicare Plan Finder at medicare.gov/plan-compare to compare all 38 plans available in your ZIP code.