How Medicare Star Ratings can help you choose—and help you save

Medicare uses information from member satisfaction surveys, health plans and healthcare providers to determine Star ratings. The rating system uses more than 40 different quality measures across multiple categories including:

It’s important to understand that Star ratings are not tied to plan premiums. A 3-Star plan may require a monthly premium and a 5-Star plan may have a $0 premium.

Here’s how it works: The federal Medicare program provides financial rewards to insurers for highly rated plans. Insurers may use those rewards to reduce member premiums, copays, deductibles or to beef up a plan’s added benefits. So a 4- or 5-Star plan may include extra like dental, vision and hearing coverage. And that additional coverage may help lower your out-of-pocket healthcare costs.

Begin with what matters most to you.

• Is your doctor in our network?
• Are the drugs you’re taking included in our list of covered drugs?
• Are there preferred cost-sharing pharmacies in your area?
• Is the plan affordable?

Once you’ve answered the big questions and narrowed down your plan choices, look at the Star rating Medicare has assigned to each plan. Here’s why: In 2022, the typical shopper has 39 Medicare Advantage plans available to them.³ That’s a lot to sort through! Coverage and costs are key factors, but if you’ve found more than one plan that meets your needs, you can use Star ratings to help you choose.

To find each Humana plan’s Star rating, select your plan and then select, “See plan summary.”