Side-by-side comparison · Plain English
Compare Medicare plans from the four biggest carriers
UnitedHealthcare, Humana, Aetna and Anthem — their typical Medicare Advantage costs, coverage and ratings, side by side.
| What to compare | UnitedHealthcare | Humana | Aetna | Anthem Blue Cross Blue Shield |
|---|---|---|---|---|
| Monthly premium | Many $0-premium plans | Many $0-premium plans | Many $0-premium plans | Many $0-premium plans |
| Medical deductible | $0 on most plans | $0 on most plans | $0 on most plans | $0 on most plans |
| Yearly out-of-pocket cap | Typically $3,400–$5,900/yr | Typically $3,400–$6,700/yr | Typically $3,400–$5,900/yr | Typically $3,900–$6,700/yr |
| Prescription drug coverage | Included on most plans | Included on most plans | Included on most plans | Included on most plans |
| Extra benefits | Dental, vision, hearing, OTC allowance, fitness (Renew Active) | Dental, vision, hearing, OTC allowance, meal delivery after hospital stays | Dental, vision, hearing, OTC allowance, SilverSneakers fitness | Dental, vision, hearing, OTC allowance, transportation help |
| Often a good fit for | Largest doctor network and broad extra benefits | Strong ratings and rich drug coverage | Value plans with solid everyday benefits | Everyday extras like rides and grocery benefits |
| Medicare star rating | 4.0 | 4.5 | 4.0 | 3.5 |
Star ratings are Medicare's official quality scores (out of 5), averaged across each carrier's plans. Ratings and benefits vary by plan and county.
These are typical ranges, not quotes. Exact premiums, deductibles and benefits depend on your ZIP code, the specific plan, and the year. The only way to know your real numbers is a personalized comparison — which we do at no cost to you.
How to read this table
- $0 premium doesn't mean free. You still pay your Part B premium to Medicare. $0 means the plan itself adds no extra monthly charge.
- The out-of-pocket cap is your safety net. It's the most you'd pay in a year for covered medical care. Lower is better if you use care often.
- Star ratings come from Medicare. Medicare scores plans 1 to 5 on quality and member experience. 4 stars and above is considered strong.
- The best plan is personal. The right choice depends on your doctors, prescriptions and budget — not just the carrier's name.
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