Pennsylvania · 2026 plan year

Medicare Advantage PPO plans in Pennsylvania

There are 142 Medicare Advantage PPO plans in Pennsylvania from 13 carriers, averaging 4.28 out of 5 stars across the 139 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

142
PPO plans
13
Carriers
67
Counties covered
4.3
Avg stars (139 of 142 rated)
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Pennsylvania PPO plans rate well above the national average.

Averaged across the 139 rated plans here, PPO coverage in Pennsylvania scores 4.28 stars against a national median of 3.81 for this plan type — 1st highest of 51 states. Star ratings measure the contract's performance on care quality, member experience and complaints.

Most PPO plans in Pennsylvania rate 4 stars or better.

116 of 142 plans here carry an overall rating of at least 4 stars. Where ratings cluster this high they stop being a useful way to sort plans — network, drug coverage and out-of-pocket limits will separate these more than the star count will.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated PPO plans in Pennsylvania

Showing 5 of 142. See all PennsylvaniaMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
Highmark Blue Cross Blue Shield or Highmark Blue SHighmark Health434.5
Capital Blue CrossCAPITAL BLUE CROSS234.5
HumanaHumana Inc.163.62
Aetna MedicareCVS Health Corporation144.5
UPMC for LifeUPMC Health System144.5
UnitedHealthcareUnitedHealth Group, Inc.84.11
Devoted HealthDevoted Health, Inc.63.5
Geisinger GoldRisant Health, Inc.54.5
Independence Blue CrossIndependence Health Group, Inc.54.0
Jefferson Health PlansThomas Jefferson University3
Cigna HealthCareHealth Care Service Corporation23.0
Peak HealthWest Virginia United Health System, Inc.24.5
Other plan types in Pennsylvania

How PPO compares

All PennsylvaniaMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Common questions

Pennsylvania Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in Pennsylvania?
Of the Pennsylvania PPO plans with a published premium, 72% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Pennsylvania PPO plans?
The 139 rated PPO plans in Pennsylvania average 4.28 out of 5 stars, with 116 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Pennsylvania?
There are 142 PPO plans from 13 carriers, sold across 67 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 3 of them are Special Needs Plans with extra eligibility rules (see below).
Do Pennsylvania PPO plans include prescription drug coverage?
142 of the 142 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Pennsylvania?
3 of the 142 PPO plans in Pennsylvania are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Pennsylvania Medicare Advantage plans.

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