Peoples Health Medicare Advantage 2024 Review

Peoples Health Medicare Advantage plans are available in Louisiana and get above-average overall star ratings from CMS.
Kate Ashford, CSA®
By Kate Ashford, CSA® 
Edited by Holly Carey

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Peoples Health


CMS Star Rating

Peoples Health sells Medicare Advantage plans in Louisiana only. Its plans get above-average star ratings from CMS, and member experience scores are also above the average for major providers.

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States available

1 state

Members in high-rated plans

High (90% or more)

Member experience

4.62 (Above average)

States available

1 state

Members in high-rated plans

High (90% or more)

Member experience

4.62 (Above average)


  • Weighted by enrollment, average star ratings are above the industry average.
  • Member experience ratings are above the average for major providers.
  • All standard Medicare Advantage plans have a $0 premium.


  • Plans available only in Louisiana.
  • Most members are in the company's 5-star plans, but many other plans are rated 3 stars.

Peoples Health Medicare Advantage plans are available in Louisiana, and the provider’s average star ratings from the Centers for Medicare & Medicaid Services (CMS) are well above the industry average. Member experience ratings are also above the average for major providers. Peoples Health is a part of UnitedHealthcare.

Here’s what you should know about Peoples Health Medicare Advantage.

Peoples Health Medicare Advantage pros and cons

Peoples Health’s offerings have advantages and disadvantages.


  • Stellar star ratings: Peoples Health Medicare Advantage plans’ average weighted star rating from CMS is 4.93 stars, versus 4.04 for the industry as a whole. In fact, Peoples Health offers the only 5-star Medicare Advantage plans in Louisiana. 

  • Members give high marks: Member experience ratings on metrics like customer service and getting appointments and care quickly are above the average for major providers. 

  • $0 plans: All Peoples Health Medicare Advantage plans (other than special needs plans) offer a $0 premium. 


  • Limited availability: Peoples Health offers Medicare Advantage plans in Louisiana only.

  • Uneven plan offerings: Although 96% of plan members are in Peoples Health’s 5-star plans, three-quarters of the provider’s plans get 3 stars from CMS. 

Peoples Health Medicare star ratings

Average star rating, weighted by enrollment: 4.93

The Centers for Medicare & Medicaid Services 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.

Based on the most recent year of data and weighted by enrollment, Peoples Health’s 2024 Medicare Advantage plans get an average rating of 4.93 stars

Centers for Medicare & Medicaid Services. 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP). Accessed Jan 10, 2024.

For comparison, the average star rating for plans from all providers is 4.04

Centers for Medicare & Medicaid Services. 10.13.23 Fact Sheet - 2024 Medicare Advantage and Part D Ratings (PDF). Accessed Jan 10, 2024.

You can find a plan’s rating with the Medicare plan finding tool.

What does Peoples Health Medicare Advantage cost?

Costs for Medicare Advantage plans depend on your plan, your geographic location and your health needs.


One of the costs to consider is the plan’s premium. In 2024, all of Peoples Health Medicare Advantage plans that aren’t special needs plans have a $0 premium

Centers for Medicare & Medicaid Services. CY2024_Landscape_Files_Final_20231005 (ZIP). Accessed Jan 10, 2024.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is $174.70 per month in 2024

Centers for Medicare & Medicaid Services. Costs. Accessed Jan 10, 2024.
, although some plans cover part or all of this cost. (Most people pay this standard amount, but if your income is above a certain threshold, you'll pay more.)

Copays, coinsurance and deductibles

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:

  • Whether the plan covers any part of your monthly Medicare Part B premium.

  • The plan’s yearly deductibles and any other deductibles, such as a drug deductible.

  • 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.

  • The plan’s in-network and out-of-network out-of-pocket maximums.

  • Whether your medical providers are in-network or out-of-network, or how often you may go out of network for care.

  • 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 Peoples Health plans or compare across carriers. You can also shop directly from Peoples Health’s website by entering your ZIP code.

Available Medicare Advantage plans

There are a few kinds of Peoples Health Medicare Advantage plans, and they vary in terms of structure, costs and benefits. Peoples Health offers Medicare Advantage prescription drug plans (MAPDs) as well as Medicare Advantage plans without drug coverage.

Plan offerings include the following types:

HMO plans

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.

HMO-POS plans

HMO point of service (POS) plans are HMO plans that allow members to get some out-of-network services, but they’ll pay more for those services.

PPO plans

Preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. You may not need to choose a primary doctor, and you don’t need referrals to see specialists. You can seek out-of-network care, although it may cost more than seeing an in-network doctor.


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. Peoples Health offers one type of SNP:

  • Dual-Eligible SNP: For people who are entitled to Medicare and who also qualify for assistance from a state Medicaid program.

Peoples Health Medicare Advantage service area

Peoples Health offers Medicare Advantage plans in Louisiana only. Peoples Health covers more than 100,000 Medicare Advantage beneficiaries

Centers for Medicare & Medicaid Services. Monthly Enrollment by Contract. Accessed Jan 10, 2024.

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

It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:

  • 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?

  • Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.

  • 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?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

  • Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?

If you have additional questions about Medicare, visit or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medicare Advantage plans

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