What it is
Medicare Advantage star ratings are a quality scorecard published each year by the federal Medicare program for Medicare Advantage plans. Higher star counts generally indicate that a plan scored better on the measures used, while lower counts suggest it scored less well.
The ratings typically draw on several areas, such as how members rate their experience, how well a plan helps people with preventive care and chronic conditions, how customer service performs, and how the plan manages its operations. For plans that include drug coverage, drug plan performance is often part of the picture too.
Because the ratings are updated regularly and the measures can change, a plan's stars may differ from one year to the next. Star ratings are one snapshot of a plan, not a full description of what it covers or costs. For the current ratings, visit Medicare.gov, which is an official government resource that we do not operate.
How it’s traditionally been approached
Many people have traditionally used star ratings as a starting point when comparing Medicare Advantage plans in their area. Seeing a plan's overall score can be a quick way to narrow a long list of options.
Others look beyond the overall number and check the individual measures that matter most to them, such as customer service or care coordination. Some also weigh ratings alongside practical details like whether their doctors and pharmacies are in the plan's network and whether their medications appear on the formulary.
It's also common for people to compare Medicare Advantage with Original Medicare paired with a Medicare Supplement (Medigap) policy. Star ratings apply to Medicare Advantage plans, so they are not used the same way when reviewing Medigap, which is typically compared on other factors. Each approach has its own strengths, and the best fit depends on the person.
How the right agent may help
A licensed independent agent who works with Medicare may be able to explain what a plan's star rating includes and, just as importantly, what it leaves out. They may also help you see how ratings fit alongside your doctors, medications, and preferences.
A conversation with an agent generally starts with questions about you: which doctors and hospitals you like to use, what prescriptions you take, how you prefer to receive care, and what matters most to you. From there, an agent may walk through plans available where you live and point out how each one is rated.
Helpful questions to ask include: What do the star ratings measure for this plan? Have the ratings changed recently? Are my doctors and medications covered? How does this compare with Original Medicare plus a Medigap policy? An agent can't promise outcomes, but may help you ask the right questions before you decide.
The bigger picture
Choosing a health plan is about more than numbers. It touches your peace of mind, your sense of control over your care, and your household budget. Feeling confident that you understand your options can ease some of the stress that often comes with Medicare decisions.
A plan with strong ratings may feel reassuring, but the right plan is the one that fits your whole life, including your health needs, routines, and comfort level. If you're also looking for providers who support your overall wellbeing, Providers.plus is one place you can explore. Every approach has value, and what works for one person may differ for another.
Keep in mind
- Star ratings are one tool among many and do not guarantee your personal experience, coverage, or savings.
- Ratings, plan details, and availability vary by location and change from year to year, so check current information.
- Always verify networks, drug formularies, and plan details directly with the carrier, the official Medicare resources, or a licensed agent before enrolling.
- Enrollment periods and rules are set by the government and change, so visit Medicare.gov for current dates and personalized information. This site is independent and not affiliated with any government agency.
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Frequently asked questions
What are Medicare Advantage star ratings?
Medicare Advantage star ratings are yearly quality scores, generally shown from one to five stars, that summarize how a Medicare Advantage plan performed on measures like member satisfaction, preventive care, and customer service. They are published through the federal Medicare program. Check Medicare.gov for the current ratings.
What is a good Medicare Advantage star rating?
Higher star counts generally indicate stronger performance on the measures used, and a plan with more stars is typically viewed more favorably. Still, "good" depends on what matters to you, such as doctor access or drug coverage. It's worth looking at the details behind the overall number.
How often do Medicare Advantage star ratings change?
Star ratings are generally updated every year, and a plan's score can go up, down, or stay the same. The measures used may also change over time. Review the most recent ratings on Medicare.gov when comparing plans.
Do star ratings apply to Medigap plans?
No, star ratings are used for Medicare Advantage (Part C) plans, not Medicare Supplement (Medigap) policies. Medigap is typically compared on other factors, such as the carrier and how the policy works alongside Original Medicare. A licensed agent can explain how the two approaches differ.
Should I choose a Medicare Advantage plan based only on star ratings?
Star ratings can be a helpful starting point, but they're usually not the only factor to consider. Your doctors, medications, location, and personal preferences often matter just as much. Verify networks and formularies with the carrier or a licensed agent before enrolling.
How can an agent help me understand Medicare Advantage star ratings?
A licensed independent agent may help explain what the ratings measure and how they relate to the plans available in your area. They may also help you compare options based on your needs. Agents can't guarantee outcomes, and this site is an independent directory, not a government agency or advisor.
Educational resource. Government Health Plan shares general information and connects people with independent agents. It is not professional advice. Talk with a qualified professional about your own situation.