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By David Bynon [3] · Last updated January 15, 2025

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Medicare Advantage
 » 
Pennsylvania

2025 Guide to Medicare Advantage Plans in Pennsylvania

by David Bynon, last updated January 15, 2025

We partner with HealthCompare for some plans. Compensation does not influence our content. Learn more.

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Finding the Top Medicare Advantage Plan in Pennsylvania Starts Here

If you live in Pennsylvania and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.

This page aims to assist you in uncovering the highest-rated Medicare Advantage (MA) plans in Pennsylvania, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific region. This information is vital since plan availability varies across different areas.

Table of Contents

Who Has The Best Plans in Pennsylvania? Complete List of Providers Best Plans By CMS Rating Best Plans By County How To Find The Best Plan Next Steps
If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

Comparing the Leading Medicare Advantage Plans in Pennsylvania

Every year, the Centers for Medicare & Medicaid Services (CMS) reviews and rates all Medicare Advantage plans in Pennsylvania based on a 5-star scale. Input for the ratings comes from information that each plan self-reports, as well as individual member complaints. (Read more about Medicare star ratings.)

Pennsylvania has 5-star Medicare Advantage plans available in 2025. Not all states and locations do. This year, the highest rated Medicare plans available in Pennsylvania come from:

    We recommend evaluating the health plans from these Pennsylvania health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.

    CRUCIAL: Benefits are not the same throughout Pennsylvania. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.

    Complete List of Pennsylvania's MA Plan Companies

    Pennsylvania's Medicare Advantage plans are offered by 15 plan providers, including:

    • Aetna Medicare
    • Capital Blue Cross
    • Cigna Healthcare
    • Clover Health
    • Devoted Health
    • Geisinger Gold
    • Highmark Blue Cross Blue Shield or Highmark Blue Shield
    • Humana
    • Independence Blue Cross
    • Jefferson Health Plans
    • UnitedHealthcare
    • UnitedHealthcare®
    • UPMC for Life
    • Wellcare
    • Wellcare by Allwell

    Top Ranked Plans in Pennsylvania

    According to the Centers for Medicare & Medicaid Services, here are the top-ranked Medicare Advantage Plans available in Pennsylvania:

    Top Medicare Advantage Plans in Pennsylvania

    Best Medicare Advantage Plans in Pennsylvania for 2025
    Provider Plan ID Plan Name Premium Limit Stars

    The top providers listed above do not tell the full story. That's because your Pennsylvania County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.

    Top-Rated Medicare Advantage Plans in Pennsylvania by County

    Choose your Pennsylvania County below to see the best (and the worst) plans.

    Adams County, PA Medicare Advantage Plans
    Allegheny County, PA Medicare Advantage Plans
    Armstrong County, PA Medicare Advantage Plans
    Beaver County, PA Medicare Advantage Plans
    Bedford County, PA Medicare Advantage Plans
    Berks County, PA Medicare Advantage Plans
    Blair County, PA Medicare Advantage Plans
    Bradford County, PA Medicare Advantage Plans
    Bucks County, PA Medicare Advantage Plans
    Butler County, PA Medicare Advantage Plans
    Cambria County, PA Medicare Advantage Plans
    Cameron County, PA Medicare Advantage Plans
    Carbon County, PA Medicare Advantage Plans
    Centre County, PA Medicare Advantage Plans
    Chester County, PA Medicare Advantage Plans
    Clarion County, PA Medicare Advantage Plans
    Clearfield County, PA Medicare Advantage Plans
    Clinton County, PA Medicare Advantage Plans
    Columbia County, PA Medicare Advantage Plans
    Crawford County, PA Medicare Advantage Plans
    Cumberland County, PA Medicare Advantage Plans
    Dauphin County, PA Medicare Advantage Plans
    Delaware County, PA Medicare Advantage Plans
    Elk County, PA Medicare Advantage Plans
    Erie County, PA Medicare Advantage Plans
    Fayette County, PA Medicare Advantage Plans
    Forest County, PA Medicare Advantage Plans
    Franklin County, PA Medicare Advantage Plans
    Fulton County, PA Medicare Advantage Plans
    Greene County, PA Medicare Advantage Plans
    Huntingdon County, PA Medicare Advantage Plans
    Indiana County, PA Medicare Advantage Plans
    Jefferson County, PA Medicare Advantage Plans
    Juniata County, PA Medicare Advantage Plans
    Lackawanna County, PA Medicare Advantage Plans
    Lancaster County, PA Medicare Advantage Plans
    Lawrence County, PA Medicare Advantage Plans
    Lebanon County, PA Medicare Advantage Plans
    Lehigh County, PA Medicare Advantage Plans
    Luzerne County, PA Medicare Advantage Plans
    Lycoming County, PA Medicare Advantage Plans
    McKean County, PA Medicare Advantage Plans
    Mercer County, PA Medicare Advantage Plans
    Mifflin County, PA Medicare Advantage Plans
    Monroe County, PA Medicare Advantage Plans
    Montgomery County, PA Medicare Advantage Plans
    Montour County, PA Medicare Advantage Plans
    Northampton County, PA Medicare Advantage Plans
    Northumberland County, PA Medicare Advantage Plans
    Perry County, PA Medicare Advantage Plans
    Philadelphia County, PA Medicare Advantage Plans
    Pike County, PA Medicare Advantage Plans
    Potter County, PA Medicare Advantage Plans
    Schuylkill County, PA Medicare Advantage Plans
    Snyder County, PA Medicare Advantage Plans
    Somerset County, PA Medicare Advantage Plans
    Sullivan County, PA Medicare Advantage Plans
    Susquehanna County, PA Medicare Advantage Plans
    Tioga County, PA Medicare Advantage Plans
    Union County, PA Medicare Advantage Plans
    Venango County, PA Medicare Advantage Plans
    Warren County, PA Medicare Advantage Plans
    Washington County, PA Medicare Advantage Plans
    Wayne County, PA Medicare Advantage Plans
    Westmoreland County, PA Medicare Advantage Plans
    Wyoming County, PA Medicare Advantage Plans
    York County, PA Medicare Advantage Plans
    Need assistance finding the best Medicare Advantage for you? Let the professionals at HealthCompare [1] answer your questions and show you your best plan options.

    For fast, friendly assistance call 1-855-728-0510 (TTY 711) .

    Find Your Perfect Fit: How to Pick the Best Medicare Advantage Plan in Pennsylvania

    You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.

    1. Evaluate How You Plan to Use Your Benefits

    Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.

    2. Examine Your Prescription Medication Expenses

    Prescription drugs are often the main reason that seniors pay more for healthcare. Because most Pennsylvania Medicare Advantage plans include Part D coverage for prescriptions, it is important to ensure you get the right plan that covers your drugs at a cost you can afford.

    3. Consider Your Needs for Additional Coverage

    Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.

    4. Think About Your Preferred Healthcare Providers

    Medicare Advantage plans have healthcare provider networks. Unfortunately, not all specialists and primary care doctors accept all plans. Many people on Medicare in Pennsylvania tell us it's difficult to find a plan their doctors take. We can help!

    Find Plans in your area with your ZIP Code

    Next Steps

    If you qualify for Medicare Advantage but don't know where to begin, we have licensed agents[1] who can answer your questions and help you get enrolled.

    Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.

    Frequently Asked Questions

    Still have questions? These common questions and answers might help.

    What are the disadvantages of a Medicare Advantage plan?

    Medicare Advantage plans may have several disadvantages. Most plans require that their members use their network providers. It is also difficult to budget for healthcare costs as costs are largely determined by your use of healthcare services. Many plans require that members obtain referrals to a specialist before they are authorized to receive a service. Discover more disadvantages of Medicare Advantage plans.

    How much do Medicare Advantage plans cost in Pennsylvania?

    A Medicare Advantage plan in Pennsylvania costs an average of $nan. This is just the monthly premium. You should also consider the out-of-pocket expenses of a plan if you have any chronic conditions, which include a plan's copays and deductibles. Prescription drug benefits are also included in most Medicare Advantage plans, but they have their own out-of-pocket costs.

    What are Medicare Advantage plans required to cover?

    At a minimum, every Medicare Advantage plan sold in Pennsylvania must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.

    Citations & References

    • CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
    • Medicare.gov, "5-star special enrollment period", Last Accessed October 20, 2022
    • Medicare.gov, "Medicare Advantage Plans", Last Accessed October 1, 2022
    • KFF.org, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
    • Medicare.gov, "Things to know about Medicare Advantage Plans", Last Accessed October 12, 2022
    • CMS.gov, Part C and D Performance Data, Last Accessed October 13, 2024
    • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed October 10, 2024

    For details on how we research, analyze, and construct plan information for Pennsylvania using CMS data, see our Medicare Plan Research Methodology.

    Plans Offered

    Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.

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    [3]About the Author

    David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

    Previously, David served as Vice President of Global Systems at Sony Pictures Entertainment and Director of Systems and Networks at HealthNet, focusing on secure HMO and Medicare infrastructures. His military career includes serving as Command Chief at TACRON-11, earning multiple Navy Commendation Medals and other commendations.

    Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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