The Best Medicare Advantage Providers in San Francisco

An alternative way to get Original Medicare coverage, Medicare Advantage plans offer coverage that is equal to or greater than that of Medicare Parts A and B. In most cases, Medicare Advantage plans also provide additional coverage for prescription medications, vision care, and hearing health, among others. 

In San Francisco County, there are currently 11 companies that offer Medicare Advantage plans. While all of these plans will, at a minimum, provide coverage equal to that of Original Medicare, the best plans will also come with affordable premiums, minimal out-of-pocket costs, and high ratings from the Centers for Medicare and Medicaid Services (CMS), the federal agency that oversees all of these plans. 

Average Cost of Medicare Advantage Plans in San Francisco County

With Medicare Advantage plans, there are three primary costs to consider: monthly premiums, out-of-pocket limits, and––if a plan includes prescription drug coverage––Part D deductibles. 

In San Francisco County, the average monthly premium is $22.98 per month. The average out-of-pocket limit is $5,238 per year, and the average Part D deductible is $164.35 per year.

Keep in mind that Medicare Advantage beneficiaries still must pay their monthly Part B premium ($164.90 in 2023).

How We Chose the Best Providers

We chose our favorite Medicare providers above based on the following criteria:

• Additional benefits: Every Medicare Advantage provider is legally required to, at a minimum, match the coverage of Original Medicare; however, most Medicare Advantage providers offer additional benefits on hearing health, dental, and in-home services. Since basic coverage will be the same, these additional benefits can make one provider a better fit over another.
• Low...