Plan Star Ratings

The Centers for Medicare & Medicaid Services (CMS) created a Star Rating system to help you compare performance and quality for Medicare Advantage plans, Medicare Prescription Drug Plans, and Medicare Cost plans. The Ratings are updated each Fall to provide the most current reviews of plans available in your area. Medicare Advantage plans can vary in cost and coverage, as well as their overall quality and performance, so if you’re enrolled in a Medicare Advantage plan, be sure to check the Medicare star ratings every Fall so you can make an informed decision about whether to stay on the plan or switch to a different plan. The same holds true for Prescription Drug Plans.

What the stars indicate:

Medicare plans are rated on a scale of 1 to 5 stars, with more stars indicating better quality and performance, and a 5-star rating being the highest score a plan can receive.

Essentially, the system indicators are:

  • 5-star rating: Excellent
  • 4-star rating: Above Average
  • 3-star rating: Average
  • 2-star rating: Below Average
  • 1-star rating: Poor

What the ratings are based on:

Star ratings are based on a number of factors, which can be summarized by looking at the main categories.

For plans that provide health coverage, such as Medicare Advantage, the plan is rated on how it performs across 5 main categories:

  1. Staying healthy: Plans are rated on whether members had access to preventive services to keep them healthy. This includes physical examinations, vaccinations like flu shots, and preventive screenings.
  2. Chronic conditions management: Plans are rated for care coordination and how frequently members received services for long-term health conditions.
  3. Member experience: Plans are rated for overall satisfaction with the health plan.
  4. Member complaints: Plans are rated on how frequently members submitted complaints or left the plan, whether members had issues getting needed services, and whether plan performance improved from one year to the next.
  5. Customer service: Plans are rated for quality of call center services (including TTY and interpreter services) and processing appeals and new enrollments in a timely manner.

For Medicare Part D stand-alone Prescription Drug Plans and Medicare Advantage plans that include drug coverage, Medicare star ratings are also based on the following criteria:

  1. Member experience
  2. Member complaints
  3. Customer service
  4. Drug safety and drug pricing accuracy

The drug safety score is based on factors such as how accurate the plan’s pricing information is and how often members with certain medical conditions are prescribed drugs in a way that is safer and clinically recommended for their condition. Plans are also rated for whether drug pricing information on Medicare Part D Prescription Drug Plan and Medicare Advantage Prescription Drug plan websites is up-to-date and accurate. In addition, the percentage of plan members who got prescriptions for certain drugs with a high risk of serious side effects when there may have been a safer drug choice is also reviewed and scored.

Getting more details:

The overall rating gives a quick summary of a plan’s performance, but you can also look up how the plan scored for individual areas within the above main categories. For more information on the criteria Medicare considers when rating its plans, visit Medicare.gov.

Enrollment in a 5-star plan:

You can sign up for a Medicare Advantage or Medicare Prescription Drug Plan during the Annual Election Period, from October 15 through December 7.  Additionally, if your Medicare plan doesn’t have a 5-star rating, you can switch to a Medicare 5-star rated plan within your service area one time during the 5-Star Special Election Period (SEP) from December 8 to November 30. Please note that if you have just switched Medicare Advantage plans during your AEP, this SEP is only available the following year.

It’s also important to note that if you decide to switch from your current Medicare Advantage plan to one with a 5-star rating, make sure you choose a plan that has prescription drug coverage, if you want this kind of coverage. Otherwise, you could pay a late-enrollment penalty if you add drug coverage at a later date.

I represent many of the best companies, and I’m happy to discuss the ratings of all companies.

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