Compare Medicare Advantage plans for 2025
Find HMO, PPO, and Special Needs Plans that may include prescription drugs, dental, vision, hearing, and fitness. Check eligibility in minutes or talk with a licensed advisor.
Available 7 days a week (AEP)
Available in many ZIP codes
We verify networks & formularies
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
How Medicare Advantage works
Medicare Advantage (Part C) is offered by private insurers approved by Medicare. Plans combine Part A and Part B, and many include Part D drug coverage plus dental, vision, and hearing. Benefits vary by county and carrier.
HMO vs PPO vs SNP: key differences
| Feature | HMO | PPO | SNP |
|---|---|---|---|
| Primary care doctor | Usually required | Not required | Required; tailored management |
| Referrals to specialists | Often required | Usually not required | Often required |
| Out-of-network coverage | Emergencies only | Allowed at higher cost | Limited; varies by plan |
| Typical monthly premium | Often $0 or low | Higher than HMO | Often $0 for eligible members |
| Best for | Lower costs, local care | Flexibility across providers | Dual-eligible or specific conditions |
Choosing a plan depends on your doctors, medications, and budget. We help you compare options in your county.
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Frequently asked questions
When is Medicare AEP for 2025?
October 15 to December 7. Changes take effect January 1.
Are $0 premium plans available?
$0 premium options exist in many ZIP codes. Availability and copays vary by county and carrier.
What’s the difference between HMO and PPO?
HMO typically requires in-network care and referrals; PPO allows out-of-network care at higher cost and usually no referrals.
Can I keep my doctor?
Yes if the doctor is in the plan’s network. We help you verify network status before you enroll.
Talk with a licensed advisor
Have your doctor list and medications handy. We confirm network and formulary fit and explain costs in plain language.
Not connected with or endorsed by the U.S. government or the federal Medicare program. Enrollment depends on contract renewal.