Is a 5-Star Medicare Advantage Plan Right for You?
There's an increasing number of 5-star Medicare Advantage plans. But it's not wise to pick a plan based solely on the number of stars it has, says Jae Oh, author of Maximize Your Medicare.
Key Takeaways
- Five-star Medicare Advantage plans allow you to enroll or switch during four separate windows per year (Q1, Q2, Q3, and October 15th annual period), not just during standard enrollment periods
- Don't automatically switch to a five-star plan based on ratings alone—verify that your current doctors are in-network and your specific medications are covered, as these factors matter more for individual circumstances
- Star ratings reflect aggregate performance metrics for the general population, not personalized recommendations for your unique health needs and provider preferences
- A four-star plan with your preferred doctor or coverage for your specific medication (like a particular insulin brand) may be a better choice than a five-star plan that lacks these benefits
There's an increasing number of 5-star Medicare Advantage plans. But it's not wise to pick a plan based solely on the number of stars it has, says Jae Oh, author of Maximize Your Medicare.
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