Central Health Medicare Plan
2.5
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
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Central Health Medicare Plan pros and cons
$0 premiums: All of Central Health’s Medicare Advantage plans that aren’t SNPs have $0 premiums for 2025.
Low out-of-pocket maximums: The out-of-pocket spending caps for Central Health Medicare Plan are often below $3,000 per year — significantly undercutting the average for major companies.
Star ratings: Central Health Medicare Plan scores well below the industry average on star ratings from the Centers for Medicare & Medicaid Services.
Member experience: Central Health Medicare Plan gets the lowest score for CMS’ measures of member experience.
Compare against other providers
UnitedHealthcare
3.82
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Aetna
4.27
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Speak to a licensed insurance agent on askchapter.org
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M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
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Speak to a licensed insurance agent on askchapter.org
Humana
3.63
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
5am – 8pm, daily PST
Call Humana
5am – 8pm, daily PST
Call Humana
Cigna
3.93
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
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Speak to a licensed insurance agent on askchapter.org
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Compare against other providers
UnitedHealthcare
3.82
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Humana
3.63
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
5am – 8pm, daily PST
Call Humana
5am – 8pm, daily PST
Call Humana
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Central Health Medicare Plan Medicare star ratings
Average star rating, weighted by enrollment: 2.5
Central Health Medicare Plan Medicare Advantage plans are rated below the industry average, receiving an average rating of 2.5 stars out of 5 from the Centers for Medicare & Medicaid Services (CMS) for 2025, weighted by enrollment.
For comparison, the average weighted star rating from all providers is 3.92.
CMS maintains star ratings for Medicare Advantage plans on a 5-point scale, ranking plans from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.
What does Central Health Medicare Plan Medicare Advantage cost?
In 2025, all Central Health Medicare Plan Medicare Advantage prescription drug plans that aren’t special needs plans (SNPs) have a $0 premium. You’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024 ($185 in 2025).
Requirements for copays, coinsurance and deductibles vary depending on your plan, location and the services you use. Other out-of-pocket costs to consider include:
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Whether the plan covers any part of your monthly Medicare Part B premium.
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The plan’s yearly deductibles and any other deductibles, such as a drug deductible.
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Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.
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The plan’s in-network and out-of-network out-of-pocket maximums.
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Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.
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Whether you require extra benefits, and if the plan charges for them.
To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only Central Health plans or compare across carriers.
Available Central Health Medicare Plan Medicare Advantage plans
Central Health Medicare Plan offers Medicare Advantage prescription drug plans as well as Medicare Advantage plans without drug coverage.
Plan offerings include the following types:
A health maintenance organization (HMO) generally requires that you use a specific network of doctors and hospitals. You may need a referral from your primary doctor in order to see a specialist, and out-of-network benefits are usually very limited.
Special needs plans (SNPs) restrict membership to people with certain diseases or characteristics. Hence, the benefits, network and drug formularies are tailored to the needs of those members. Central Health Medicare Plan offers two types of SNP:
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Chronic Condition SNP: For people diagnosed with chronic health conditions such as diabetes, cardiovascular disorders or chronic heart failure.
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Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.
Central Health Medicare Plan Medicare Advantage service area
Compare Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.
Find the right Medicare Advantage plan
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What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
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Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
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Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
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Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
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Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Central Health Medicare Plan
2.5
CMS Star RatingAverage Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).
Central Health Medicare Plan offers $0 premiums and low out-of-pocket maximums in California, but its star ratings and member satisfaction scores are poor.
M-F 8am-10pm EST, Sa-Su 9am-9pm EST
Speak to a licensed insurance agent on askchapter.org
GET A QUOTE
on NerdWallet
We will connect you with Medicare companies based on the information you provide. They will help you find a plan that suits your needs. If you prefer to speak to a licensed insurance agent right away, please call the number listed above.
Members in high-rated plansPercentage of members who are in rated contracts with a Medicare star rating of 4 or higher.
Low (49% or less)
Member experienceThe average of CMS’ star ratings for quality measures in the domain “Member Experience with the Health Plan,” weighted by contract enrollment.
1 (Below average)
Pros
- All standard plans have $0 premiums.
- Maximum out-of-pocket spending caps are often below $3,000.
Cons
- Below-average star ratings.
- Lowest scores for measures of member experience.
Members in high-rated plansPercentage of members who are in rated contracts with a Medicare star rating of 4 or higher.
Low (49% or less)
Member experienceThe average of CMS’ star ratings for quality measures in the domain “Member Experience with the Health Plan,” weighted by contract enrollment.
1 (Below average)
Pros
- All standard plans have $0 premiums.
- Maximum out-of-pocket spending caps are often below $3,000.
Cons
- Below-average star ratings.
- Lowest scores for measures of member experience.
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