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Pennsylvania

Top Medicare Advantage Plans in Pennsylvania for 2024

by David Bynon, last updated September 22, 2023

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Find Plans in your area with your ZIP Code

2024 Medicare Advantage Open Enrollment Begins October 15

Be the first to know about the best new plans in Pennsylvania for 2024. Sign-up for our 2024 Medicare Advantage plan notification service HERE. The 2024 Medicare Part C information will be available in early October.

Finding the Best Medicare Advantage Plan in Pennsylvania Starts Here

If you live in Pennsylvania and you're thinking about enrolling in a 2024 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 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Pennsylvania come from:

  1. Highmark
  2. UPMC for Life
  3. Independence Blue Cross
  4. UnitedHealthcare

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 Advantage Insurance Company
  • Capital Blue Cross Medicare
  • Cigna
  • Clover Health
  • Geisinger Gold
  • Health Partners Medicare
  • Highmark
  • Humana
  • Independence Blue Cross
  • Lasso Healthcare
  • 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 2023
Provider Plan ID Plan Name Premium Limit Stars
Highmark H3916-037Community Blue Medicare PPO Signature (PPO)$0.00$8,3005.0
Highmark H3957-031Security Blue HMO-POS ValueRx (HMO-POS)$59.00$5,5005.0
Highmark H3957-045Security Blue HMO-POS Standard (HMO-POS)$193.00$5,0005.0
Highmark H3957-046Security Blue HMO-POS Deluxe (HMO-POS)$256.00$4,5005.0
Highmark H3916-022Freedom Blue PPO Select (PPO)$166.00$5,0005.0
Highmark H3916-001Freedom Blue PPO Classic (PPO)$278.00$4,5005.0
Highmark H3916-041Complete Blue PPO Signature (PPO)$0.00$7,5505.0
Highmark H3916-035Complete Blue PPO Distinct (PPO)$25.00$6,5005.0
Highmark H3957-039Community Blue Medicare HMO Prestige (HMO)$50.00$5,5005.0
Highmark H3957-048Together Blue Medicare HMO Signature (HMO)$0.00$6,7005.0
Highmark H3916-018Freedom Blue PPO ValueRx (PPO)$66.00$5,5005.0
Highmark H3916-015Freedom Blue PPO Standard (PPO)$171.00$5,0005.0
Highmark H3916-005Freedom Blue PPO Deluxe (PPO)$285.00$4,5005.0
Highmark H3916-034Community Blue Medicare PPO Distinct (PPO)$25.00$6,0005.0
Highmark H3957-042Community Blue Medicare HMO Signature (HMO)$0.00$6,7005.0
Highmark H3916-039Community Blue Medicare Plus PPO Signature (PPO)$0.00$8,3005.0
Highmark H3916-036Community Blue Medicare Plus PPO Distinct (PPO)$25.00$6,0005.0
Independence Blue CrossH3952-049Keystone 65 Select Rx (HMO)$55.50$4,9005.0
Independence Blue CrossH3952-055Keystone 65 Basic Rx (HMO)$0.00$7,5505.0
Independence Blue CrossH3952-020Keystone 65 Preferred Rx (HMO)$214.00$3,8005.0
Independence Blue CrossH3952-053Keystone 65 Focus Rx (HMO-POS)$0.00$6,5005.0
UnitedHealthcareH5652-001Erickson Advantage Signature with Drugs (HMO-POS)$197.00$2,6005.0
UnitedHealthcareH5652-008Erickson Advantage Liberty with Drugs (HMO-POS)$0.00$7,5505.0
UnitedHealthcareH5652-006Erickson Advantage Freedom (HMO-POS)$68.00$4,3005.0
UPMC for LifeH5533-003UPMC for Life PPO High Deductible Rx (PPO)$33.00$7,5505.0
UPMC for LifeH3907-037UPMC for Life HMO Deductible Rx (HMO)$22.00$6,0005.0
UPMC for LifeH3907-029UPMC for Life HMO Rx (HMO)$81.00$5,5005.0
UPMC for LifeH3907-049UPMC for Life HMO Rx Choice (HMO)$36.00$4,5005.0
UPMC for LifeH3907-006UPMC for Life HMO Rx Enhanced (HMO)$295.00$7,5505.0
UPMC for LifeH5533-011UPMC for Life PPO Premier Rx (PPO)$0.00$5,9005.0
UPMC for LifeH5533-009UPMC for Life PPO Rx Choice (PPO)$23.00$4,9005.0
UPMC for LifeH5533-008UPMC for Life PPO Rx Enhanced (PPO)$58.00$7,5505.0
UPMC for LifeH3907-046UPMC for Life HMO Premier Rx (HMO)$0.00$5,5005.0
Aetna MedicareH3959-047Aetna Medicare Advantra Butler Prime (HMO)$0.00$5,5004.5
Aetna MedicareH3959-046Aetna Medicare Advantra Washington Prime (HMO)$0.00$6,5004.5
Aetna MedicareH5522-017Aetna Medicare Advantra Credit Value (PPO)$0.00$7,5504.5
Aetna MedicareH3959-053Aetna Medicare Advantra Philly Prime (HMO)$0.00$6,9004.5
Aetna MedicareH3959-052Aetna Medicare Advantra Value (HMO)$0.00$7,5504.5
Aetna MedicareH5522-020Aetna Medicare Advantra Central Value (PPO)$0.00$7,5504.5
Aetna MedicareH3959-049Aetna Medicare Advantra Excela Prime (HMO-POS)$0.00$6,5004.5
Aetna MedicareH5522-021Aetna Medicare Value Plus (PPO)$45.00$6,7004.5
Aetna MedicareH3959-051Aetna Medicare Beaver Valley Prime (HMO)$0.00$6,5004.5
Aetna MedicareH3959-037Aetna Medicare Advantra Gold (HMO-POS)$0.00$7,5504.5
Aetna MedicareH3959-045Aetna Medicare PennHighlands Prime (HMO)$0.00$6,3004.5
Aetna MedicareH3959-033Aetna Medicare Advantra Premier (HMO)$27.00$7,5504.5
Aetna MedicareH3959-001Aetna Medicare Advantra Gold (HMO)$35.00$5,5004.5
Aetna MedicareH3959-039Aetna Medicare Advantra Premier (HMO-POS)$23.00$7,5504.5
Aetna MedicareH5522-002Aetna Medicare Advantra Premier Plus (PPO)$77.00$6,5004.5
Aetna MedicareH5522-004Aetna Medicare Advantra Silver (PPO)$0.00$7,5504.5
Aetna MedicareH5522-013Aetna Medicare Advantra Silver Plus (PPO)$18.00$7,0004.5
Aetna MedicareH5522-022Aetna Medicare Silver Back (PPO)$0.00$7,5504.5
Aetna MedicareH3959-010Aetna Medicare Advantra Silver (HMO-POS)$0.00$5,9004.5
Capital Advantage Insurance CompanyH3923-028Capital Blue Cross Select (PPO)$0.00$7,0004.5
Capital Advantage Insurance CompanyH3923-013BlueJourney Classic (PPO)$51.00$6,7004.5
Capital Advantage Insurance CompanyH3923-017BlueJourney Prime (PPO)$174.00$4,0004.5
Capital Advantage Insurance CompanyH3923-029Capital Blue Cross | WellSpan Health Advantage (PPO)$0.00$6,6004.5
Capital Advantage Insurance CompanyH3923-030Capital Blue Cross | WellSpan Health AdvantagePlus (PPO)$19.00$5,9004.5
Capital Advantage Insurance CompanyH3923-031Capital Blue Cross | WellSpan Health Value (PPO)$0.00$8,0004.5
Capital Advantage Insurance CompanyH3923-037Capital Blue Cross Enhanced (PPO)$20.00$6,0004.5
Capital Advantage Insurance CompanyH3923-036Capital Blue Cross Value (PPO)$0.00$8,0004.5
Geisinger GoldH3924-065Geisinger Gold Preferred Complete Rx (PPO)$0.00$6,7004.5
Geisinger GoldH3924-062Geisinger Gold Preferred Enhanced Rx (PPO)$45.00$7,5504.5
Geisinger GoldH3954-158Geisinger Gold Classic Complete Rx (HMO)$34.00$4,9004.5
Geisinger GoldH3924-059Geisinger Gold Preferred Advantage Rx (PPO)$84.00$4,0004.5
Geisinger GoldH3924-066Geisinger Gold Preferred 360 Rx (PPO)$0.00$7,5504.5
Geisinger GoldH3954-161Geisinger Gold Classic Essential Rx (HMO)$0.00$7,5504.5
Geisinger GoldH3954-160Geisinger Gold Classic 360 Rx (HMO)$0.00$7,5504.5
Geisinger GoldH3954-157Geisinger Gold Classic Advantage Rx (HMO)$144.00$3,4504.5
HumanaH6622-052Humana Gold Plus H6622-052 (HMO)$0.00$7,2004.5
HumanaH6622-035Humana Gold Plus H6622-035 (HMO)$0.00$6,7004.5
HumanaH6622-036Humana Gold Plus H6622-036 (HMO)$0.00$6,7004.5
HumanaH6622-054Humana Gold Plus H6622-054 (HMO)$0.00$6,7004.5
HumanaH5216-117Humana Value Plus H5216-117 (PPO)$41.10$7,0004.5
HumanaH5216-051HumanaChoice H5216-051 (PPO)$43.00$6,3004.5
HumanaH5216-120HumanaChoice H5216-120 (PPO)$123.00$6,7004.5
HumanaH6622-037Humana Gold Plus H6622-037 (HMO)$0.00$6,9004.5

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.

Best MA 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 $39.11. 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 January 13, 2023
  • CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
  • CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
  • CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023

Plans Offered

Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.

For Researchers

Next State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/puerto-rico/

Previous State of Best Medicare Advantage Plans:

  • https://medicarewire.com/medicare-advantage/oregon/

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[3] Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.


[4] The standard Part B premium for 2023 is $164.90. Monthly savings vary and may be subject to processing delays and may not be immediate. Not available with all plans. Availability varies by carrier and location.


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